Best of the Best 2013
For 12 years now Money's Best of the Best edition has delivered award-winning products, helping you to save time and money when it comes to building up your own winning financial portfolio.
Our experts highlight the things to come in super, managed funds, ETFs, property and banking. All in all it looks as though 2013 will present some good investment opportunities. To take advantgage of the things to come, you'll need the right investment vehicles. Which is what Best of the Best is all about. A good product means value for money.
But don't just take our word for it. It's important that you agree too - so you'll find the methodology for each of the awards next to the tables in our Best of the Best issue. It's this transparency that we hope helps you determine what products are right for you.
With thousands of products from hundreds of different institutions, Money - with the assistance of our research partners - has identified 103 gold winners.
Here's a little taste of Money's Best of the Best categories and winners for 2013:
Cheapest Home Loans: UBank (Bank); Pacific Mortgage Group (Non-Bank) Money says: What's interesting about UBank's UHomeLoan is that it offers more than just a fee-free redraw facility and flexibility in repayments.
Cheapest three-year fixed home loans: UBank (Bank); EMoney (Non-Bank) Money says: Last year's gold winner, ME Bank, lost out only marginally to UBank, a subsidiary of NAB. UBank's home loans are only available online and for refinancing.
Cheapest Home Loan Package: Suncorp (Bank); Newcastle Permanent (Non-Bank) Money says: The majority of all new mortgages written by the major banks have been packaged home loans. The beauty of a package is a fully featured home loan plus a whole lot of other financial perks at a discounted rate.
Best Cash-Back Provider Yourshare Money says: Did you know cash-back providers can claw back fees and commissions on products such as insurance, superannuation, margin and home loans? Australians are missing out on reclaiming up to $14.5 billion every year!
Best Saving Account: UBank(Bank); Newcastle Permanent (Non-Bank) Money says: In a low-rate environment it's essential to shop around for a decent interest rate on your spare cash. UBank comes up trumps among the banks with a competitive rate and a surprising range of features and sweeteners.
Best Reward Credit Cards: ANZ (Bank); American Express (Non-Bank) Money says: American Express really dominates this category with four out of the six featured cards having an American Express card link.
Best Frequent Flyer Program: American Express (International); American Express (Domestic) Money says: If you're after a good reward credit card, the American Express David Jones Card gives you the most bang for your buck.
Best Frequent Flyer Credit Cards: American Express (International); American Express (Domestic) Money says: AMEX wins both categories for the second year in a row. Accruing points while spending has never been easier.
Best Unlimited Mobile Plan: Amaysim Money says: Amaysim's unlimited plan is perfect for those addicted to their phones.
Cheapest Broadband Plans: aaNet & eftel Money says: Both providers offer a generous unlimited plan for $30 a month!
Best Balanced Super Fund:REST Money says: REST deserves praise for holding on to the top spot in what has been a volatile period for the Aussie sharemarket.
Lowest Cost Super Fund: ING Direct Living Super (Default); HOSTPLUS (Balanced) Money says: HOSTPLUS's ultra-cheap indexed balanced option was a deserving winner in the balanced option category.
Cheapest Non-Advisory Phone Broker: First Prudential Markets Money says: FP Markets has taken out this award for the fourth year in a row. Its flexible broking service and unique pricing structure makes them a market leader.
Cheapest Home and Contents Insurance: Real Insurance Money says: At almost $100 cheaper on average than its nearest competitor, Real Insurance is the clear winner.
Best-Value Cars: Skoda Superb (Family); Mazda CX-5 (SUV) Money says: For the third year we have placed the Superb atop the family car podium.