LEGAL

Terms of use

Copyright

© The copyright in all information displayed on this website is owned by or licensed to Absolutely Pty Ltd. Except as expressly permitted, no information may be copied, reproduced, downloaded, transmitted or re-distributed.

Intellectual Property

You acknowledge that the Content on the Site(s) is subject to copyright, trade mark and possibly other intellectual property rights. In these Terms and Conditions, “Content” means anything that you may see, read, hear, upload, download or access on or via the Site(s) (including but not limited to messages, files, data, software, images, artwork, graphics, design, photographs, illustrations, text, music, songs, videos, tags and other materials or subject-matter on theSite(s).

Unless you are expressly authorised by us, or otherwise by law, you must not do any of the following yourself, or permit or authorise any other person to:

  • sell, reproduce, publish, distribute, communicate to the public(e.g. by making available online or electronically transmitting) modify, display, perform in public, prepare derivative works based on or make an adaptation of, repost or otherwise use any of the Content (or any readily identifiable portion of the Content) in any way without our prior written consent; or
  • otherwise infringe the intellectual property rights of any person in using the Site(s) or any Content.

Limitation of Liability

While the information displayed on this website is based on information obtained from sources which are believed to be reliable, it has not been independently verified and no warranties are given that it is complete, accurate, up to date or fit for any purpose. Past performance is not a reliable indicator of future performance. All information displayed on the website, including but not limited to product and service information, fees, unit and share prices, gearing and interest rates, tax information and performance figures, is subject to change without notice. 

To the maximum extent permitted by law, Absolutely Pty Ltd will not be liable to any party in contract, tort (including for negligence) or otherwise for any loss or damage arising either directly or indirectly as a result of reliance on, use of or inability to use any information displayed on this website. Where liability cannot be excluded by law then, to the extent permissible by law, liability is limited to the resupply of the information or the reasonable cost of having the information resupplied.

Third Party Information and Links

Some of the information displayed on this website may be provided by third parties who are not related to Absolutely Pty Ltd (“Third Party Information”). Whilst such material is published with necessary permission, Absolutely Pty Ltd does not accept responsibility for the accuracy or completeness of, or endorses any such, Third Party Information.

This website may also contain links to websites operated by third parties (“Third Parties”) who are not related to Absolutely Pty Ltd (“Third Party Web Sites”). These links are provided for convenience only and do not represent any endorsement or approval by Absolutely Pty Ltd of those Third Parties or the information, products or services displayed or offered on the Third Party Web Sites.

To the maximum extent permitted by law, Absolutely Pty Ltd will not be liable to any party in contract, tort (including for negligence) or otherwise for any loss or damage arising either directly or indirectly from reliance on, the use of or inability to use any Third Party Information or Third Party Web Sites.  

Use of Cookies

During your use of the Site, we may issue to and request from your device blocks of data known as “cookies”. We use cookies to enable the website to work more efficiently and to provide us with information about your activities on the Site.

Our cookies will not allow us  to  obtain information of a  personal nature that will identify you to us, such as your name and address. We will only be aware of such information if you   provide the information to us, or you have set the preferences in your browser to provide this information automatically.

Details of the cookies we use on the Site are as follows:

  • cookies that are essential in order to enable you to move around the Site and use its features;
  • cookies that collect information about how visitors use the Site, for instance which pages visitors go to most. All information these cookies collect is aggregated and therefore anonymous.

By using this website, you agree that we can place these types of cookies on your device.

 

Absolutely

Super or Pension

 

Our intital advice will review your super funds and/or pension funds and their investment options.

Where you are employed we will also provide recommendations for your employer contributions.

If you are in a transition to retirement our advice may result in the need for both a super and pension account.

 

We do not provide initial advice for SMSF's, however if you have decided to close your SMSF's please contact us directly.

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Absolutely

Preferred investment

 

Our initial advice will make recommendations for your available cash and existing investment products, such as shares and funds.

Most investment products we recommend have regular cash deposit and withdrawal features.

Investment products can generally be held in either an individual’s name or in joint names.

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Absolutely

Life Insurance option

 

Our initital advice will review your existing life insurance products and/or life insurance needs and make approriate recommendations.

Life insurance can be held within your super plan or held personally for the following types of cover:

✓ Income protection

✓ Death cover

✓ Total & permanent disability

✓ Trauma cover

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Absolutely

Portfolio updates

 

Absolutely Advisers maintains model investment portfolios that are constructed using combinations of exchange traded funds (ETFs), managed funds, and Australian direct shares. When our research providers update or make changes to investments or strategic asset allocations, we typically update our model portfolios.

Portfolio reviews will rebalance your portfolio to bring it in line with our latest model portfolios.

Portfolio updates is part of our portfolio review core service under both our 'digital' and 'plus' annual fee arrangements and is applied to any super, pension or investment accounts under our advice.

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Absolutely

Portfolio rebalancing

 

Changes to your actual asset allocation can be caused by movements in investment markets and share prices. It can also change when you cash account changes. For example a super account may receive a large employer super contribution.

Portfolio reviews will rebalance your actual asset allocation to bring it inline with your target asset allocation.

Portfolio rebalancing is part of our portfolio review core service under both our 'digital' and 'plus' annual fee arrangements and is applied to any super, pension or investment accounts under our advice.

 

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Absolutely

Retained investment option

 

If you have one or more existing investments, e.g. a share, wholesale unlisted managed fund or exchange traded fund (ETF) and would like to keep it for any reason, it can be retained in your portfolio under this ancillary service. e.g. you may have a large unrealised capital gain.

Rebalancing of your portfolio will review the remainder of your portfolio excluding any retained investments.

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Absolutely

Absolutely customer service

 

This ancillary service can assist you with establishing and then mananging some of the day to day tasks on your accounts and life insurance policies under our advice, including assistance with:

✓ Establishment and updates: account applications, life insurance applications, updating your contact details on accounts and policies

✓ Super: contributions, withdrawals, consolidating super funds, personal tax deduction notices, updating beneficiary details

✓ Pension: changing pension payments, lump sum withdrawals, updating beneficiary details

✓ Personal Investments: cash deposits or withdrawals, establishing or changing regular cash deposits and withdrawals, changing a linked bank account

✓ Life insurance: notifying the insurer of a potential claim, increasing or decreasing the amount of cover, adjusting product features, updating your occupation category, updating beneficiary details, updating premium payment details

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Absolutely

Online access

 

You can view your super, pension or investment portfolios online at any time. You will also receive your statements online as soon as they become available.

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Absolutely

Retirement strategies

 

Our annual advice under our Plus package entitles you to a review of your needs, financial circumstances and objectives as they relate to your retirement.

This means we will have a yearly discussion during the year relating to progression towards achieving your retirement goals and any recommendations for variances to our agreed strategy.

The discussions are usually scheduled as either a phone call or face to face meeting.

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Absolutely

Preferred investments option

 

This is an ancillary service that provides you with the option to add or exclude specific Australian shares, wholesale unlisted managed funds or exchange traded funds (ETF’s) in your portfolio.

The service is provided via a transaction only service where you personally authorise each transaction prior to implementation

Availability of the share or fund may be limited by the platform provider and the account type.

 

Absolutely Advisers reserves the right to limit the number of transactions in any period or the total additions or exclusions in a portfolio.

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Platform Wrap Fee Comparison Report

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Absolutely

Initial advice fee assumption

 

 

Absolutely's initial advice and set-up fees vary depending on the number of accounts. For a single account the cost is $390 inclusive GST. For each additional account the fee increases by $100 inclusive of GST. Our client(s) average two accounts resulting in an average set-up fee of $490. The initial set-up fee includes the cost of your statement of advice. Implementation of the initial product recommendations in included under our annual fee arrangement.

The traditional adviser initial advice and set-up fees are based on the Financial Planning Association (FPA) research published on 21 October 2020, which states "the average cost for a statment of advice is around $2,700". Read the full article at https://www.moneysmart.gov.au/investing/financial-advice/financial-advice-costs

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Absolutely

Retirement Strategies

 

Our intital advice under our plus package can include retirement strategy advice.

These strategies are suitable for pre-retirees and retirees and are generally applied to your super, pension and investment products.

 

We do not provide initial strategy advice for SMSF's, however if you have decided to close your SMSF's please contact us directly.

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Absolutely

Advanced Super Contribution Strategies

 

Our intital advice under our plus package can include advanced super contribution strategies.

These strategies are generally suitable for wealth accumulators building up super, pre-retirees that are restructuring assets to be more tax effective for retirement, and retirees that are downsizing their home.

 

We do not provide initial strategy advice for SMSF's, however if you have decided to close your SMSF's please contact us directly.

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Absolutely

Advanced super contribution strategies

 

Our annual advice under our Plus package entitles you to a review of your needs, financial circumstances and objectives as they relate to your super contributions.

This means we will have a yearly discussion during the year relating to progression towards achieving your super contribution goals and any recommendations for variances to our agreed strategy.

The discussions are usually scheduled as either a phone call or face to face meeting.

You have Successfully Subscribed!