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What the aged care reform meansFrom July 1 a series of reforms will come into effect, aiming to make aged care more simple. However, some of these changes may result in unintended complexity or confusion. Beware of balance transfersThe idea of transferring debt from a credit card paying, say 17 percent, to an offer of, zero percent, makes good sense. Sadly, the savings may not be as great as you would hope. Are ETFs for you?It is hard to go past the advantages of low-cost, diversified exchange traded funds (ETFs). Most asset classes are on offer and it is becoming popular to build a portfolio of ETFs.

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