AUSCOAL Super (for members) - The Gym

January 2012

Hi

Welcome to the latest issue of The Gym's newsletter

For the last few months we’ve been emailing you The Gym newsletter as part of a trial. We hope you’ve enjoyed it!

We’re now ending the trial and plan to email the newsletter to all members to help them make better financial decisions and increase their confidence in managing their money. To make sure we’re offering a useful and engaging service we’d appreciate if you could answer a few questions about your experience with The Gym newsletters. This will help us plan future newsletters and ensure we meet your needs.

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Happy New Year and welcome to 2012

This communication is full of interesting and helpful information. There's a new competition open. It's not a hard one this quarter. You can enter the competition by logging in to The Gym through your Member Account.

Goodbye 2011 - Year in review Time flies by so quickly. Take a moment to watch some of the major events of 2011. Titled - Spirit of Times, 2011. What will 2012 hold? Watch this video..
When is the right time to invest? One way to ride out the financial market volatility is dollar cost averaging. This is a simple investment strategy that takes the guesswork out of the right time to invest. Read more...
Defining your financial success Financial success has different meanings for different people. Being clear on what financial success means to you can be extremely challenging due to all of the social beliefs on what financial success is. Before you buy into the 'Great Australian Dream' or the 'great dream' of anybody else, take a moment to explore what you actually want. Read more...
Life Events: Getting Married Did you know 70% of people are in conflict around money? Read and learn some useful tips and tools to help you and your partner decide on what you both want to achieve (financially) before and after the wedding. Read more... Watch this video...
Crunch some numbers Start the New Year off by crunching the numbers on the credit card that may have got a little extra work out over the holiday season. Try our credit card calculator...
Margin lending Margin lending is a gearing (or borrowing) arrangement that can be used to borrow to invest in shares and managed funds. The margin lending provider typically allows you to borrow up to a certain limit on investments. For example, this may be up to 75% of the value of certain managed funds or shares. The lender uses the shares or managed funds as security. However the actual amount you can borrow varies depending on how risky the investment is. Read more...

Competition!

Last quarter's competition has now closed. We'd like to congratulate Ian Goodwin on winning the $100 Westfield voucher - happy spending.

This means there's now a new competition open for entry. The focus of this quarter is cash flow.

To enter the competition login to your Member Account and then access The Gym. You'll find the competition in the quiz or activities section of The Gym. Get four or more right and you're in the draw to win a $100 Westfield voucher.

A quote to finish...

'Life moves pretty fast. If you don't stop and look around once in a while, you could miss it.' - Ferris Bueller

The Gym is provided solely by innergi Pty Ltd ABN 43 120 557 539, an independent provider of financial education. AUSCOAL Super has arranged for members to access The Gym, but has no oversight of information or services innergi provide.