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In this edition

  • 2018 Federal Budget Overview
  • Energy Locals and the Green Electricity Guide
  • Recycle your Oral care at Biome – Balmoral
  • Future Super and Impact Investment Group event
  • ‘The Rich Greenie’ book talk at Riverbend Books

2018 Federal Budget Overview


Scott Morrison’s third budget is headlined by $140 billion in tax cuts over the next decade, immediate tax relief of up to $1,060 a year for middle-income households and a fundamental reform of the tax system.

Key measures include:

  1. Low and middle income earners are to benefit from tax savings of up to $530 per person (or $1,060 per couple).
  2. The Medicare Levy will remain at 2%.
  3. The $20,000 instant asset write-off for business with aggregate turnover less than $10m will be extended until 30 June 2019.
  4. Funding for home care services and residential aged care will increase.
  5. A one year exemption from the ‘work test’ will apply to recent retirees who have less than $300,000 in total super savings.
  6. Life insurance can only be offered in super on an ‘opt-in basis’ to new members under 25 years of age or members with inactive accounts or an account balance under $6,000.
  7. Fees when exiting a super fund will be banned and administration/investment fees will be capped at 3% pa on accounts with balances of less than $6,000.
  8. The ATO will work to proactively reunite Australians’ dormant superannuation funds with their active account, with inactive balances less than $6,000 to be transferred to the ATO.
  9. The Pension Loans Scheme will be available to all Australians over Age Pension age and the maximum payments will increase to 150% of the full Age Pension.

Click Here for a full analysis of the Federal Budget

Energy Locals and the Green Electricity Guide


There is a good choice of electricity retailers that support renewable energy, examples are Powershop, Energy Locals, Diamond Energy, most energy retailers also offer GreenPower.

The People’s Solar is currently a scale-able, replicable model for crowd-funding small-scale community solar power, which:

  1. Supports community development at the local level
  2. Bridges the gap between those who support renewable energy, and those dedicated to financial and/or social objectives, who have historically been at odds with renewable energy and
  3. Leverages corporate and philanthropic funding to deliver secure financial support, via clean energy, for community benefits.

The Balunu Foundation is a Northern Territory-based charity that delivers cultural healing programs to at-risk youth and families. The People’s Solar have partnered with the foundation to support this great team.

It costs Balunu more than $15,000 a year in diesel fuel and generator maintenance to supply electricity to their camps. By switching to solar power and batteries, the community can use the money saved to grow their program, helping an additional 20 kids every year re-connect with Indigenous culture and prevent youth suicide in the region.

Recycle your Oral care at Biome – Balmoral


Biome on Riding Road, Balmoral have a Terracycle Recycle box where you can drop off your empty Colgate oral care for recycling.

TerraCycle and Colgate® have partnered to create a free recycling program for oral care product packaging as well as a fundraising opportunity for participants.

Future Super and Impact Investment Group event


Future Super and Impact Investment Group event – launch of ‘Supercharging Australia’s Clean Energy Transition’, a report by the Institute of Sustainable Futures commissioned by Future Super and

Guest speaker, Bill McKibben, a climate change activist and founder of, noted that investors have previously acted to the detriment of the environment and climate change yet now can create potential solutions and mitigate climate risks.
McKibben also spoke about how individuals can no longer ignore the impacts of climate change and referenced his most recent visit to the Great Barrier Reef and the effects of coral bleaching.

“Get outside your comfort zone, the planet is outside of its comfort zone already.
You are an influential group that can influence financial capital and human capital. Use your influence to help the planet even if it is an uncomfortable ask.” – Bill McKibben
source: caer corporate monitor 

The Rich Greenie author Stuart Barry Speaks at Riverbend Books


“This would change the world
What if our actions to save the planet required no sacrifices, made financial sense, and, even better, contributed to us leading brilliant, happy lives?”

Great turnout to see our Hobart based adviser, Stuart Barry at Riverbend Books Bulimba, if you missed it more details at this link:



The contents of this newsletter are intended as general advice only.  No specific person’s circumstances, financial situation or objectives have been taken into consideration.  You should not act on the information provided without seeking personal advice from an appropriately qualified financial planner. Research sources: CAER Corporate Monitor & Eco Investor. While the source has been verified as reliable, the actual content has not been checked for accuracy.  Consequently Ethical Investment Advisers does not warrant the accuracy of the information nor accept liability for any errors in the data.

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