Can you believe the festive season is almost upon us, and it's nearly a wrap on another year? It is a busy time of year, but it's also the perfect time of year to celebrate all your achievements, no matter how big or small, for 2019.

We kick off this final edition for the year with a reminder about the benefits of delayed gratification.

Are Australians getting it right when it comes to drawing down superannuation in retirement? We take a look at the different options and alternatives for taking your super.

Find out exactly how dividends work and how often you'll get paid.

We do some myth-busting around the cost of setting up renewable energy in a home.

We explore four overseas holiday destinations that won't break the budget, with great-value accommodation, cheap cuisine and spectacular attractions.

If you would like to discuss any of the articles, please contact this office on (08) 8379 3307 or geoff@needsfs.com.au.

Regards,

Geoff Needs

Good things come to those who wait

Do you know which popular vehicle name reads the same forwards and backwards? Find the answer at the end of this article.

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Taking your super – options and alternatives

Payment of superannuation as an income stream, rather than a lump sum, is on the increase. Are Australians getting it right with this growing trend, or is there a better way?

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Dividends explained

If you are a shareholder of a company, you may receive payments known as dividends. These payments represent your share of the company’s profits and are your reward for investing. Dividends may be a great way to boost your income and are often considered tax effective. Find out exactly how they work and how often you’ll get paid.

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Myth busting: the cost of setting up renewable energy in a home

Renewable energy is increasingly being understood as a necessity, not a choice, to future-proof energy sources for homes and businesses.

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Budget Travel: Holidays that won’t break the bank

There’s nothing quite like jetting off for a holiday, but wouldn’t it be great to do so without stretching the budget too far?

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GR & KA Pty Ltd (trading as Needs Financial Services) Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327 AFS Licence Number 232706 Level 8, 33 Alfred Street Sydney NSW 2000 Australia
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