LATEST INSIGHTS
4 fool-proof ways to keep on top of your credit card
Credit cards certainly make life easier – they are simple to use, accepted almost everywhere, and help you to buy what you want, when you want, particularly online. So much so that living close to the credit limit has become the norm for many people and spending can quickly get out of hand.
Six Steps to a Successful Debt Master Plan
Australian households are the fifth most indebted in the world, according to data from the OECD. A typical family with disposable income of $100,000 has an average debt of approximately $210,000. And with rising interest rates and rampant inflation, the cost of living...
Don’t leave your family’s future in the hands of a Crowdfund
If there is anything we have learnt in the last two years, it is just how quickly things can change. Between devastating bushfires, floods, and a life-altering pandemic (just to name a few), being prepared for the unexpected has never been made more apparent. As...
What is your carbon footprint?
Ignoring all of the politicising of climate change and carbon emissions, have you ever actually wondered what a carbon footprint is? A simple explanation Human activity is increasing atmospheric levels of known greenhouse gases such as carbon dioxide and methane....
What do I need to know before investing in property?
It is no secret that Australians love investing in property. And while it can be an exciting prospect, it is essential to consider the finer details before jumping in, especially any ongoing costs and expenses you’ll have to pay. Investment property tax deductions It...
The effect of rising inflation
The word ‘inflation’ doesn’t only dominate business news headlines, but finds its way into general news reports too. So, what is inflation and how does it affect you? In simple terms, inflation signifies a rise in the price of goods and services, meaning you pay for...
When love blossoms later in life…
Identifies some of the financial issues that clients need to be aware of when starting a new relationship later in life. Adult children may also be affected by their parents’ decisions.
Building financial resilience
Building resilience is key to quickly recover from setbacks. While financial setbacks are inevitable, these five tips will help grow and sustain wealth for the longer term.
What you need to know about sustainable investing
With the hype around sustainable investing gaining interest globally, ‘what is ethical investing?’
5 ways to ramp up your job appeal now!
The COVID-19 Global Pandemic seemed to come from nowhere. Just as we thought we were chugging along quite nicely, it crept up and went, whammo! We didn’t see that coming! Within a week, more than 700,000 Australian jobs were lost and by June 2020 Australia was...
be safe rather than sorry
Not everyone will do it, but most people will consider it at some stage in their lives – borrowing to buy their very own home. It can be an exciting venture, but also a scary one if you don’t plan well. Whether you are borrowing to buy your first home, or upgrade your...
Taking care of business
Owning a business has its distinct advantages. Choosing your work hours and being able to make decisions for your own future are just two, but this higher level of freedom takes a back seat when things go wrong… and as any business owner knows, things can and do go...
Mistakes new investors should avoid
You’re young, expecting a satisfying future brimming with friends, family and a comfortable lifestyle. You’re young, expecting a satisfying future brimming with friends, family and a comfortable lifestyle. According to an Australian Stock Exchange study, nearly a...
Financial planning for a family member with a disability
With over 4.4 million Australians living with a disability, most families either have a family member with a disability or know of a family supporting a disabled loved one. In 2018, the Australian Bureau of Statistics found 4.5 per cent, or approximately 211,200...
Who gets your super?
Who decides what happens to your superannuation savings when you die? You may think that you do, but that isn’t always the case. The ultimate decision may be made by someone you don’t even know – the trustee of your superannuation fund. Let’s look at how you can have...
Managing the largest movement of wealth in our history
More than $3.5 trillion dollars in inherited funds are expected to change hands within Australia during the next 20 years, with Australians enjoying one of the highest inheritance payout rates anywhere in the world. According to investment bank HSBC’s Future of...
Don’t lose your home! Alternative ways to pay for aged care
Anyone who has helped an elderly relative make the move into aged care knows that it can be a traumatic experience. It involves a move from the familiar – a home that a loved one may have lived in for decades – to the unfamiliar, a care facility with many residents...
Why financial advice may be your best investment
It is commonly assumed that seeking financial advice is for the wealthy, and it only helps the rich become richer, yet financial advice can prove useful to anyone who wishes to better their financial future. Financial advice is like getting a health check-up for your...
Where’s your ‘In Case of Emergency’ file?
When Mike died suddenly and unexpectedly Sally, his wife of over 30 years, was overcome not just with grief, but also with panic. Not only did she lose her best friend and soul mate, Mike had always been the family money manager. While Sally knew they were financially...
to stay on track, it pays to look back
Financial planning is, by its nature, forward-looking. What counts is where you are now and what you do in the coming months and years. That said; there’s good reason to pause and take a look over your shoulder to see how far you’ve come. Why? Because taking stock of...
Protect your estate from these mistakes
It’s a sad but unavoidable fact: one day we are all going to die. You will most likely have clear ideas as to how you would like your hard-earned wealth – your ‘estate’ – to be divided amongst your loved ones or other beneficiaries. However, estate planning is a...
Hitting an insurance home run
Most people either cringe or yawn when the word insurance is mentioned but regardless of whether you find it scary or boring, managing risk is a necessity in the world in which we now live.
Super in your 50s. It’s time to push the pedal down!
If 50 really is the new 40, then life has just begun. The kids are gaining independence or may have left home, and the mortgage could be a thing of the past. Bliss. But galloping towards you is… retirement!.
Super in your 40s. It’s time to get focused.
The forties is an important decade for wealth creation with many things to consider. As you pass the halfway mark of your working life, it’s time to give retirement planning a bit more attention.
Super in your 30s. It’s important to squeeze it in.
Are you really expected to think about super at a time like this?
Well, yes, there are a few things you need to pay attention to.
Super in your 20s. Boring? Doesn’t have to be!
Superannuation is for the oldies, right? In some ways that’s true, but even in your twenties there are good reasons to take a bit more interest in your super.
Can you afford to retire early?
Ever dreamt of throwing in your nine-to-five job and retiring early? I think we all have! Yet without winning Tattslotto or inheriting a fortune from a long lost relative, just how possible is it to structure your finances so you never have to work again?
Investing in trends
So, you want to invest into mining companies because you’ve heard that lithium is the “next big thing”. But, with a myriad of options, where do you begin?
The greatest challenges facing future retirees
Will you retire with enough money in your super fund?
What to do if you aren’t a financially compatible couple?
With financial issues cited as one of the major reasons for marriage and relationship breakdowns, discussing financial goals and values with significant others is important.
Quarterly Economic Update April – June 2021
The last quarter has been very positive for the economy and investors alike.
When was the last time you paid cash for something?
As we steadily move towards a cashless society, technology such as “tap and go” has meant that Australian households are one of the most in debt in the world.
How an increase to super may result in a pay cut
Superannuation guarantee (SG) rates will increase from 1 July 2021.
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