After a lifetime of hard work, it’s important you maximise your entitlements in retirement. So you need to structure your finances carefully to make sure you don’t lose your age pension. After all, you’ve earned …
It’s an important question as prices rise around the world fuelled by soaring energy and commodity costs, supply chain constraints and a geopolitical retreat from globalisation. In Australia, headline inflation is expected to reach 5 …
Probate is the legal process that occurs when dealing with a loved one’s will after their death. It can be difficult to know what’s involved with the process and the questions to ask. What is …
The big issue for investors in or close to retirement, is risk. The 2020 COVID-19 share sell off and recent equity market volatility shows just how quickly share prices can move. Volatility can have different …
Both older and younger Australians, as well as low-income earners, are set to benefit from some upcoming super opportunities. From 1 July 2022, there will be some changes made to super to make it easier …
Everyone buying into the housing market hopes that their purchase will appreciate over time, while sellers want to pick the top of the market. Clearly the growth rates in the Australian housing market, particularly in …
With war in Eastern Europe, inflation surging and Covid lockdowns inhibiting industrial production in parts of China, investment markets faced a rising tide of volatility over the past quarter. Yet while this may feel like …
How much you need to save for a comfortable retirement is a question many of us ask. While we all hope for a simple answer, how much money you need in retirement differs for everyone. …
Introduction Inflationary forces continued to intensify in key regions, which suggested interest rates could be raised more quickly and more aggressively than previously anticipated. Government bond yields continued to rise sharply, resulting in negative returns …
The RBA has hiked the cash rate by 0.25% taking it to 0.35% and signalling more rate hikes ahead. We expect the cash rate to rise to 1.5% by year-end and to 2% by mid …
The lead up to 30 June can be a good time to maximise tax benefits that may be available to you inside super. Certain contributions, which we cover below, may have the ability to reduce …
The government has announced a number of changes to the super system could create opportunities for Australians of all ages. Here’s a rundown of what you need to know. More people will be eligible for …
The pandemic has changed many aspects of our daily lives, and romance is no exception. While lengthy separations have led some relationships to end, other couples are choosing to move in together more quickly than …
After another year of double digit growth, many first-time buyers have been left shaking their heads in disbelief. Even those looking to upgrade the family home are having to stretch their budgets further than ever. …
According to the ABS, some half a million people intend to retire within 5 years. While many Australians will remain working until they can access their superannuation savings and/or the Age Pension, some 32% of …
If you want to ensure you’re getting the right amount of super and not paying more in tax than you have to, this list is for you. What you need to know Your bank account …
Retirement is an exciting time. It’s the long-awaited reward for a lifetime of work and, if you have the right plans in place, the chance to pursue your dreams free from money worries and concerns. …
If there’s one thing the COVID-19 pandemic has shown us, it’s that the unexpected can happen at any time. And, while there are many things in life you can’t control, you can make sure you …
With Aussies living longer than ever, you could be spending many happy years in retirement. But did you know that to maintain your standard of living, you’ll need around two-thirds of your pre-retirement income, for …
Spending more than what you intended on is a familiar scenario for many people entertaining kids, whether that’s at the movies (you swear you’re bringing your own Maltesers and drink next time), or sporting events …
If you have been together for a while though or are edging on making a big financial decision together, having the money talk could make a big difference to whether you go the distance. Understandably, …
Starting a family or growing one can be exciting, but it can also be expensive. Here are some ways to prepare yourself financially. 1. Make sure you’re across medical expenses Medical costs might include ultrasounds, …
This year’s Federal Budget covers a range of measures aiming to reduce the pressure from increased costs of living and help more people into homes. Note: These changes are proposals only and may or may …
Being more engaged with your super investments could help you make the most of the time you have to grow your wealth for retirement – and navigate share market falls. Depending on your life stage, …
The days when ‘green’ investors were the ones who cycled to see their adviser and carried home their investment brochures in a hemp bag are long gone (if they ever existed). Responsible Investing is now …
Negotiating a pay rise or salary package is nerve wracking at the best of times, let alone during a pandemic. And, while you should always ask for what you think you’re worth, the economic climate …
New super rules introduced in November of 2021 mean employees are now ‘stapled’ to their existing superannuation fund, unless they choose otherwise. That’s why it’s more important than ever to consolidate your super and take …
When you take out an insurance policy, the provider will determine how much you’ll be required to pay in premiums. This process, called underwriting, assesses the insurance risk, and usually requests information about occupation, medical …
New to budgeting? You may know how much money you make and have a rough idea of how much you spend. But do you know what you’re actually spending it on, or if your spending …
Key Points Ukraine tensions have escalated with Russia ordering troops into Ukraine regions already occupied by Russian separatists. Share markets are at high risk of more downside on fear of further escalation and uncertainty about …