Making the most of your retirement finances
You’ve waited a long time to reach retirement, so how do you make sure your hard earned savings go the distance with you? There are a range of steps you can take before and after …
Partner Financial Group
How old is too old for insurance?
Protecting your income during your working years makes sense. But once you – or your parents – grow older, is life insurance still important? We take a look. Life insurance for later in life As …
How do Aussie women’s finances stack up?
Planning for retirement is a daunting task and many Australian women lack confidence in financial decision making. Fortunately, there are some small steps women can take today to make a positive difference to their future. …
Get 2024/25 off to a great start
The beginning of the financial year is a great opportunity to review your financial situation, to make sure you’re on track and on top of changes happening across tax and superannuation. Here are five areas …
Contributions, when are they made?
Thanks to the evolving rules and additional tests, the world of superannuation contributions continues to be a source of confusion, resulting in misunderstandings and genuine errors. Whether it’s the work test, work test exemption, downsizer …
There remain five reasons to expect the $A to rise
Back in November we saw five reasons to expect a higher $A. These largely remain valid and the $A seems to be perking up again. Source: AMP Firstly, from a long-term perspective the $A remains …
Mortgage versus super – a common dilemma
Conventional wisdom used to dictate Australians were better paying off their home loans, and then, once debt free turning their attention to building up their super. But with interest rates ramping up over the past …
Is it worth salary sacrificing into super?
Let’s explore the ins and outs of salary sacrificing into your super and help you determine if it’s worth considering as part of your financial strategy. We’re all familiar with the concept of super. It’s …
How to determine asset allocation
Asset allocation is the process of dividing funds between different asset classes including cash, bonds, property and shares. This takes place as spreading resources across different asset classes can help diversify the portfolio’s holdings, which …
Economic and market overview
Australian shares fared well in July, buoyed by suggestions that no further interest rate hikes will be necessary. With inflation coming off the boil, there was optimism that borrowing costs have peaked and could be …
Decoding cognitive biases: what every investor needs to be aware of
Common human biases that investors should understand when it comes to investing is extremely important. These biases are ingrained in human nature, leading to tendencies to oversimplify, rely on quick thinking or exhibit excessive confidence …
Artificial Intelligence (AI): what does it mean for investing?
AI is revolutionising the world of investing in ways previously unimaginable. Technological advancements have continuously reshaped the way we invest and manage our money. One such example that has been gaining significant traction and attracting …
A guide to active and passive investing
Investment funds can be broadly split into two categories – active and passive. And while both options play a part in an investment portfolio, it’s important to understand how each works before allocating money to …
Will I pay tax on my super when I retire?
Tax is often the last thing on our minds when we’re planning for retirement but it’s important to understand how your retirement income will be taxed, so you can make the most of your savings. …
Why you need insurance and what are your options
We don’t need insurance until we do. Protecting your wellbeing and your wallet “Do I really need this insurance?” It’s probably a question you’ve asked at some point when deciding whether to part with your …
What are some investment options outside of super?
When it comes to investing, you have two options – inside or outside of super. Super, being a longer term investment designed to fund your retirement, comes with a number of advantages such as being …
Tax time checklist for property investors
In Australia, investing in real estate isn’t the preserve of a wealthy elite. The nation’s 2.24 million property investors, owning a collective 3.25 million homes1, are everyday Australians – skilled tradies, small business owners and …
How to protect yourself from super scams
Super and investment scams target your personal wealth by convincing you to invest in fake schemes and companies. A super scam is when someone tries to access your super and withdraw your money. An investment …
2023-24 saw strong investment returns again – but can it continue?
Key points – 2023-24 provided another year of strong returns for investors as shares were boosted by falling inflation, central banks pivoting towards rate cuts (although the RBA is lagging) and economic conditions were better …
Super and tax – what’s changing on 1 July 2024
They say nothing is certain in life except two things – death and taxes. Australians can probably add a third – the knowledge that come the end of financial year, the rules around superannuation and …
How to reduce your mortgage interest rate and fees
With interest rates continuing to rise, reducing your mortgage interest rate can be a great way to save money so you’re not out of pocket and can keep or invest more of what you earn. …
How debt can help you build long-term wealth
Contrary to what some people may think, debt can help you build your wealth – especially if the debt is used responsibly with a clear plan and objective. In this article, we look at three …
Commonly Asked Questions – retirement planning
Retirement is a major milestone in life, representing the end of years of hard work and dedication. It’s a time to enjoy the freedom to pursue your passions and interests without being tied to a …
7 ways to get ready for tax time
Here’s a quick checklist to help you prepare for the end of financial year and maximise your tax time benefits. Understand your sources of income When it comes to tax, your wages are just the …
Helping your parents financially while saving for retirement
Many people are finding themselves in a situation where they need to provide financial support to their aging parents. Balancing the responsibility of helping your parents financially while saving for your own retirement, is no …
Social media scams: Who’s really following you?
Cyber criminals are targeting people based on personal details and preferences – and reeling them in with professional looking follow ups. Find out how to protect yourself. Next time you like or follow a friend …
How women can future proof their wealth
Planning for retirement is a daunting task but it’s too important not to think about – especially for women. Fortunately, there are some small steps women can take today to protect and grow their finances …
Do you know your Total Superannuation Balance (TSB)? You should!
The total superannuation balance or TSB was a significant change introduced as part of the Government’s superannuation reform package, taking effect on 1 July 2017. However, unlike other changes, such as the pension transfer balance …
6 things to consider before investing
Investing your money may be an effective way to help you build long-term wealth. While it can seem overwhelming at times, given the breadth of options available, you don’t need to be a financial expert …
Federal Budget
How could the proposals impact you and your finances? May 2024 The 2024 Federal Budget provides cost of living relief through 1 July tax cuts, lower power bills, higher welfare payments and support for small …