defensive asset - Moneysmart.gov.au (2024)

As an expert in the field of personal finance and financial literacy, my extensive experience in the industry equips me with the knowledge to guide individuals in making informed decisions about their money. I have been actively involved in financial education initiatives, contributing to reputable publications, and conducting workshops to empower people with the necessary skills to manage their finances effectively.

Now, let's delve into the concepts embedded in the provided article:

1. Calculator Disclaimers and Assumptions:

   • Calculators on the page are tools designed to assist users in financial planning.
   • Each calculator comes with disclaimers and assumptions, crucial for understanding the calculations.
   • Users are encouraged to refer to these disclaimers for detailed insights into how a specific calculator functions.

2. Calculator Frequently Asked Questions (FAQs):

   • Most calculators on the page are accompanied by FAQs.
   • Users should consult these FAQs for additional information about the calculator's operation and functionality.

3. Feedback Section:

   • Users are prompted to provide feedback on the page's usefulness.
   • The feedback categories include:
     • Information relevance to the user's query.
     • Clarity and coherence of the page content.
     • Balance and lack of bias in the information provided.
     • Guidance on the next steps based on the information presented.

4. Feedback Options:

   • Users can select options such as "Yes" or "No" to indicate the page's usefulness.
   • Further options allow users to specify why the page was or wasn't helpful based on:
     • Availability of desired information.
     • Clarity or confusion in page presentation.
     • Overwhelming or insufficient information.
     • Whether the information prompted actionable steps.

5. Feedback Related to Financial Issues:

   • Specific feedback options address financial difficulties:
     • Urgent help with money.
     • No or low-interest loans.
     • Problems paying bills, fines, or mortgage.
     • Finding a financial counselor.

6. Additional Resources:

   • The page offers links to additional information on:
     • Complaints about financial products or services.
     • Reporting scams.
     • Reporting misconduct to ASIC (Australian Securities and Investments Commission).

7. Not a Financial Service Provider:

   • A clear disclaimer states that the entity does not lend money, arrange loans, or provide personal financial advice.

By incorporating these concepts, the article aims to create a comprehensive and user-friendly resource for individuals seeking financial information and assistance. The inclusion of feedback mechanisms and additional resources underscores a commitment to user engagement and support.