Superannuation is your financial safety net, so you can retire comfortably when the time arises. If you want to know more about how your super balance compares, where your money’s invested, or who’ll get your super if you pass away, this list is for you. Continue reading →
It’s one of the most common questions financial advisers get – should you pay down the mortgage or salary sacrifice into your super? Deciding on the best approach is different for each individual and depends on economic factors such as interest rates and the performance of your investment mix. Here’s some tips on what to consider to be in the best position possible. Continue reading →
Should I still change jobs despite COVID-19? Changing jobs has always had its challenges. With the added impacts of COVID-19 on the employment landscape, the unknown can become daunting. If you’re looking for a new job or a shift in career, here’s a guide on what to consider depending on your skills within the industry. Continue reading →
If you're among the many who are now working from home, you've probably realised that having the right home-office set is essential - but it does come at a cost. With the end of the financial year fast approaching, here is an overview of the items you may be able to claim in your tax return. Continue reading →
Surviving on a student budget isn’t easy, but it can be done. Whether you’re studying remotely this year, or returning to campus, we’ve gathered some tips to help you manage your finances. Continue reading →
It could take months, even years, to clear debt – especially if you used your credit card and you know you’ll be slugged with snowballing compound interest each month you don’t pay it off. That’s why we always recommend having an emergency fund. It’s a pool of money you always have on hand to cover any unexpected expenses. Here’s how you can set one up Continue reading →
The ongoing impact of the Covid-19 pandemic has taken its toll on the wellbeing of many Australians. It’s well known that mental health and financial wellbeing are linked, with prolonged financial stress associated with anxiety and depression. If you’re experiencing financial stress, here are some practical steps you can take to get back on track. Continue reading →
If you’re receiving a tax refund this year it can be tempting to splurge out on things you want but don’t
necessarily need. Here are some ways you can use your tax refund
to build a stronger financial future. Continue reading →
Boosting your superannuation savings is one of the best ways to grow your retirement nest egg, and
the Australian government offers a range of incentives to encourage Australians to do just that. One
approach is called ‘salary sacrifice’ and it can help you to grow your super savings while potentially
paying less tax. Here’s how it works, the benefits, and some things to consider when deciding
whether it’s right for you.
Continue reading →
In the past, wealth was often passed on through an inheritance. But with our longer lifespans, and
the higher cost of living (especially housing), the desire to help our kids while we’re alive and well is
increasing. But how can you help your children without compromising your own security and
comfort in retirement? Here’s what you need to know. Continue reading →
Every age has its inner turmoil. Teenagers, adults, retirees; everyone goes through emotional angst.
But only one age group has a name for it - a ‘midlife crisis.’ Despite what we’re led to believe, a midlife crisis isn’t inevitable, the key is to reassess what’s really important to you and start setting goals
for the next chapter of your life. It’s never too late to make a change. Continue reading →
Did you know that when it comes to super, you have the same rights regardless of whether you're married, in a de facto relationship or in a civil partnership? Meaning, your partner could be entitled to receive part of your super if your relationship breaks down. Here's five things every couple should know about super. Continue reading →
Being in debt can really wear you down, both financially and emotionally. Whether it’s a single large credit card balance or multiple loans, store and credit cards owing, getting clear of your debts is going to make a big difference Continue reading →
It seems the bad news on coronavirus doesn’t let up. The lockdown in NSW looks like going longer. There is endless debate about whether governments are doing the right thing, whether the vaccines will work and when we can Continue reading →
For years, commentators have said Australia is experiencing a property bubble - with house prices in
the country’s capital cities rising so much that they’ve been called unaffordable - even by global
standards. What are the key drivers behind this growth and will the bubble burst?
Continue reading →
With one in four Australians reporting more financial stress after COVID, it’s no surprise many of us are concerned about the future. Between mounting bills, unexpected expenses and a lack of understanding around our needs in retirement, getting our savings Continue reading →
It’s fair to say that most of us aren’t crazy about budgeting. Even with the latest budgeting apps that aim to make this common sense habit into something easy and fun, the thought of keeping tabs on what we’re spending from month-to-month fills many people with boredom or anxiety. Continue reading →
Your 60s are the time in which you’re most likely to retire – according to the Australian Bureau of Statistics, of the Aussies who are planning their retirement, the average age they intend to retire is 65.5 years. But just Continue reading →
There’s no denying the pandemic has significantly affected the finances of many Australians. Some of us are spending more, some are cutting back on non-essential spending and for others, the uncertainty has challenged us to save money for a rainy day, Continue reading →
Financial setbacks can appear in our lives when we least expect it. Paying back a loan like a mortgage or settling debt can be overwhelming to deal with. As individuals, we must take control and choose how to react in Continue reading →
According to figures from the Australian Bureau of Statistics (ABS), the total value of new loan commitments for housing and within that, the value of owner occupier home loan commitments has reached record highs.
If you’re in your 20s, chances are that life could feel like a bit of a rollercoaster right now.
Learning to juggle competing financial priorities and save for the future is essential.
Continue reading →
A financial plan can help you build wealth over time, aiding the protection of your financial future. If that sounds like a good idea, it could be good to find a trusted financial adviser who can help you on this Continue reading →
Has COVID-19 made you unsure about managing the risks of owning an investment property? This article will update you on what landlord insurance will and won’t cover in light of COVID-19. And, a forewarning, there are a lot of grey Continue reading →
2020 was dominated by the Coronavirus pandemic but shares saw okay returns on the back of policy stimulus and vaccine optimism, resulting in constrained but positive returns for balanced growth super funds.
The effects of cutting or cancelling your business interruption insurance
Economic uncertainty may have prompted you to reduce, change or cancel your business interruption insurance. That’s a natural reaction in these uncertain times. However, as your broker/advisor, we’re mindful of Continue reading →
The US election has significant potential to add to volatility in investment markets. A Trump victory will mean more of the same and would likely initially be more positive for US than global and Australian shares.
The COVID-19 pandemic has had a profound impact on Australia’s health system, community and economy. The Government has provided $257 billion in support to cushion the economic impact of COVID-19. In doing so, the Treasurer had the unenviable task Continue reading →
The COVID-19 crisis has seen many Australians taking steps to stay afloat with their finances. With women more likely than men to withdraw super to make up the shortfall in their income, what does this mean for their long-term financial Continue reading →
We live in a culture of smartphones, WIFI, home delivery, online shopping and online gaming, where most needs and wants can be met almost instantly. With so much temptation to spend, it’s vital to teach your kids the money skills Continue reading →
There are only certain people who can inherit your super when you die. There are also two different types of nominations you can make. Here’s what you need to know before making your super beneficiary nomination. Continue reading →
As the Coronavirus continues to spread, many people are naturally fearful for their health, their livelihoods and those they care for. During times of great uncertainty, it’s natural to be anxious however it’s also important to keep things in perspective. Continue reading →
In recent weeks, investment markets around the world have experienced significant volatility as investors try to assess the impact of the coronavirus (COVID-19) outbreak – an event that no-one anticipated for 2020.
Have you received an unexpected email or text asking you to ‘confirm’ personal details by clicking on a link or opening an attachment? It could be an attempt to steal your information for financial gain. Identity theft is on the Continue reading →
The blanket coverage of coronavirus and its impact on the economy can lead to a lot of confusion. Some reports are hopeful of anti-viral drugs, others say a vaccine is at least a year away. There is talk of Continue reading →
In addition to the terrible health consequences, the coronavirus is having a massive impact on global economies and the way we live, work, and interact with each other. Loss of income and uncertainty about the future can place a great Continue reading →
Is Coronavirus driving a recession, depression or an economic hit like no other? Key points: • Global share markets have fallen into a bear market, but whether this turns out to be long or short depends on how long the Continue reading →
If you’re looking for inspiration this year, we’ve rounded up six podcasts to help you flip your thinking on your 2020 plans, whatever they look like for you. From money know-how to new skills to strategies for facing fears, these Continue reading →
It may not be something you think about much. It
may even make you uncomfortable to examine the way you manage money and think
about whether you’d be able to cope if you suffer a significant financial setback.
But your Continue reading →
Following the enactment of legislation in late 2019, the ATO can disclose certain business tax debt information to external credit reporting bureaus. This information will primarily be used when issuing external creditworthiness reports in relation to relevant businesses, effectively treating Continue reading →
The ATO has revealed it will request a further five years’ worth of policy information from over 30 insurance companies about taxpayers who own marine vessels, thoroughbred horses, fine art, high value motor vehicles and aircraft.
Funny thing, money. On the one hand it can get us excited or
give us a real sense of achievement (think reaching a savings goal). On the
other hand, it’s something we tend to keep to ourselves. Whether our finances Continue reading →
It’s the getaway you take when a getaway’s out of the
question – the staycation. Whether it’s venturing out locally and returning
each evening, or taking a few nights to explore places within driving distance
of home, the staycation is Continue reading →
If it is indeed better to give than to receive, then Australians are a happy lot. According to the Financial Planning Association of Australia, 85% of us find more joy in giving gifts to others than in getting them ourselves. Continue reading →
Picture the scene. You’ve moved past the honeymoon period of a new relationship and you think this could finally be the one.
You’re starting to think about the medium-term future and setting up your lives together.
So you’re at your Continue reading →
Parents and guardians want to send children out into the world armed with the skills and knowledge they need to succeed. So we talk to them about the birds and the bees, we teach them to catch a ball and Continue reading →
When you access your super at retirement your super fund may
ask you to sign a declaration stating that you intend to never be employed
again. But there may be compelling reasons why someone would subsequently
return to work.
In the 21st century era of digital transformation, being
able to browse, choose and pay for our purchases anywhere, anytime has taken
shopping to a whole new level. The way we consume and spend has changed dramatically
as a result. Continue reading →
Estimates of the size of the sustainable investment market
vary from around $23 trillion to almost $31 trillion, with responsible
investment taking into account environmental, social and governance (ESG)
factors in investment decisions, whereas ethical investing being more of a Continue reading →
If you’ve taken a look at your finances recently, you may
have found yourself with a few debts. While it’s possible to pay them off by
simply keeping up your minimum repayments, you may want to get them sorted
quicker. Continue reading →
Many of us like to keep an eye on our superannuation
balance. It’s only natural, as we all want to retire in relative comfort, and
for many people super is their second largest asset, after their family home.
Is sticking to a budget the money magic wand that can sort
out your finances, once and for all? Discover what budgeting can and can’t do
for you and how to turn new budget habits into positive lifestyle changes.
When share markets fall, every investor has a different
emotional response. Some investors get anxious and sell up at the first drop in
value, whereas others are happy to ride out short term fluctuations to realise
the long-term benefits of Continue reading →
While the count continues to confirm whether the Coalition
will hold a majority it is now clear that the Coalition will form Government.
As such it may be an opportune time to review some of the major positions that
the Continue reading →