Why you should write a Will
You probably have a good idea of who you’d like to give your hard earned assets to when you’re gone. Making a Will can help ensure your assets are distributed the way you want. Many …
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Three ways to invest for passive income
Living off the income from investments is a dream for many Australians. Along the way, passive income can help cover school fees, fund holidays or pay for life’s little luxuries. Whether you’re just starting out …
Getting the best from your professional relationships
You might have a regular accountant you see at tax time who helps you sort out what you owe the government, or if you’re lucky, what the government owes you. Sometimes they will make recommendations …
Aged care facility choices
Aged care made simple: what you need to know Navigating aged care can be quite a challenge, especially with the new rules that come into effect on November 1, 2025. If you were already in …
Star performers: which investment types delivered the best returns in 2024-25?
Sharemarkets continued to make headlines in the 2024-25 financial year but the best performers for investors seeking high returns broadened to include a much wider range of investment types. Investors looking for strong returns were …
Making the most of a salary increase
It’s exciting to get a pay rise and when you’ve earned it, you often feel like it’s a deserved reward to treat yourself with, but used in the right way it can also help you …
Helping your grandkids purchase their first property
Supporting your adult children or grandchildren in purchasing their first property can be a fulfilling way to help them achieve financial independence. However, it’s crucial to ensure your own retirement savings remain secure. Here are …
Having a baby
New babies are a wonderful addition to your life. Planning ahead for parenthood can help you give your growing brood the best of everything. The costs of raising a child Children don’t stay small for …
Secure your email
In today’s world, we manage a significant part of our lives through emails. We use them to communicate with friends, family and colleagues. We also use email to sign up for online accounts and services. …
Reserve Bank cuts interest rates by 0.25 percentage points in August in unanimous decision
In short: The Reserve Bank cut interest rates by 0.25 percentage points in August to 3.6 per cent, after July’s shock ‘on hold’ decision. The average owner-occupier with a $750,000 mortgage as of February will …
Protecting retirement income from inflation
Protecting retirement income from inflation The fall in inflation from multi decade highs is good news for the Australian economy. Many retirees are struggling to manage their cost of living because of the cumulative impact …
How much super do I need to retire in Australia?
The amount of super you need to support your retirement will depend on what kind of lifestyle you’re hoping to enjoy and how much income you’ll be earning in addition to your super savings. Income …
Australian housing market update
Australian housing values rose another 0.6% in June, marking a fifth straight month of growth since conditions flattened out through the end of last year. Demonstrating the broad based nature of the upswing, monthly gains …
Economic update August 2025
Global Financial markets rallied in July after the US struck trade deals with Japan and the EU, which involved a reduction in the tariff rate in exchange for over $1 trillion in combined investment and …
Carry forward concessional contributions
If you’re looking for ways to potentially increase your retirement savings while reducing tax, carry forward concessional contributions could be a good option. Carry forward concessional contributions If you’ve had time out of work raising …
2025 financial year in review
A strong year for share returns Global shares delivered very strong returns in the past financial year. Optimism on the promise of ‘Artificial Intelligence’ (AI) as well as progress towards lower global inflation and interest …
When you need a Will and who can help
Wills aren’t just for later in life and you should really have one when you start earning. And as money and family matters can be complex, it makes sense to get help. Who needs a …
Tariff uncertainty and what this means for retirement income
One of the keys drivers of happiness in retirement is the peace of mind that comes from financial security. However, US tariff announcements since the start of April have added uncertainty to financial markets, adding …
Is it worth salary sacrificing into super?
We’re all familiar with the concept of super. It’s that portion of our salary that employers are required to contribute to a super fund on our behalf, with the goal of providing us with financial …
How worried should I be about running out of money when I stop working?
It’s not unusual to be worried about running out of money when you stop working. A recent survey of Perpetual members found that 37 per cent of respondents approaching retirement were continuing to work because …
Three ways to access advice for a resilient retirement
Did you know there’s a secret weapon when it comes to building financial resilience? Turns out that Australians who have had advice are much more likely to be able to cope in times of market …
Online shopping: Be secure when shopping online
Online shopping is convenient and the preferred way to shop for a lot of Australians but it comes with a risk. Cybercriminals often target online shoppers to steal their money or their personal details. They …
How super works
If you’ve ever had a job, then super is going to be on your radar. Knowing what it’s all about is the first step to making it work for you. Super can help you save …
How does life insurance work?
A step by step guide to help you through the decision making process. Firstly, what is life insurance? “Life insurance” is the general term we give to the range of insurance that looks after you …
Can you really afford the big house, luxury car and holidays?
For many Australians, lifestyle choices are often seen as rewards for hard work. The big house. The new car. The overseas holidays. The designer labels. On the surface, these purchases seem like signs of financial …
Advice for couples at tax time
Unsure how your relationship status affects your taxes? We’ve made it simple with our couples’ guide to tax. If you’re newly married, engaged or living with your partner, you might not be aware that there …
Why you need insurance, what are your options?
Insurance; we don’t need it until we do. Learn all about the value of insurance for protecting your health, income and loved ones when life throws you a curveball. Protecting your wellbeing and your wallet …
Score a $500 super bonus: the government super co-contribution explained
Imagine an extra $500 landing in your super fund, courtesy of the government, simply for being proactive about your financial future. If you’re a low to middle income earner making after-tax contributions to your super …
Planning for retirement? Start with these 5 steps
#1: Set clear retirement goals The very first step in retirement planning is to define what you want your retirement to look like. When you hear the word retirement, what do you think of? Consider …
How to stay on top of your tax even when markets move
It’s important to understand the tax implications of your investments especially when markets move up and down. Our five step end of financial year checklist will help keep you on top of your tax for …