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Preparing for the next chapter
December 12, 2022Retirement Planning
Retirement means starting a new chapter of your life, one that gives you the freedom to create your own story, as you decide exactly how you want to spend your time. While retirement may not be part of your immediate plans, there are advantages to giving some thought as to what retirement looks like for...Read More
Risks to consider when building a portfolio
December 5, 2022Financial Planning
An understanding of the risk and return characteristics of various asset classes is vital to the portfolio construction process. When constructing a portfolio, having an asset allocation that encompasses a wide range of different investments is an important factor for long-term investment success. But as the number of investment products and variations available to investors...Read More
Five ingredients of a great super fund
December 5, 2022Superannuation
If you stay with the default super fund provided by your employer there’s a chance you’ll miss out on thousands in super. It makes sense to take a close look at your current super fund and consider whether your money could be working harder elsewhere. If you still have many years to go until you...Read More
Flexing your financial fitness
December 5, 2022Debt Management & Budgeting
It’s a challenging time for household finances right now. Interest rates are rising as the Reserve Bank of Australia increases the cash rate to put the brakes on inflation, and flat wage growth means household incomes have not been keeping pace with cost-of-living increases. The best way to deal with uncertain times, is to be...Read More
Fighting inflation at the checkout
November 28, 2022Wealth Creation
With the price of iceberg lettuce peaking at an insane $12, and inflation not letting up any time soon, it’s a good time to review what you can do to reduce your food spend. If you’ve been wincing at the total on the register at the check-out recently, you’re not alone. Food prices have spiralled...Read More
Investors and recessions
November 28, 2022Wealth Creation
Despite much talk of rising interest rates and possible recession, here are a few reasons to stay the course and stick to your long-term investment strategy. There has been much discussion of rising interest rates, recent inflation spikes and ongoing market volatility impacting investment and super balances. Add to that the increased chatter about the...Read More
The benefits of reaching your 60s in Australia
November 28, 2022Financial Planning
The upside to getting older is becoming eligible for government benefits that could help lower the cost of living. So it’s the big one. Sixty years old. It’s hard to believe… In a youth-obsessed culture it seems we’re constantly being reminded about the downside of getting older. And it’s true there are some aspects of...Read More
How much super do I need to retire?
November 21, 2022Superannuation
Working out how much you need to save for retirement is a question that keeps many pre-retirees awake at night. Recent market volatility and fluctuating superannuation balances have only added to the uncertainty. So it’s timely that new research shows you may need less than you fear. For most people, it will certainly be less...Read More
Measuring up the price of shares
November 21, 2022Financial Planning
Share market investment analysts thrive on numbers. So, when you read reports about markets or specific companies being “overvalued” or “undervalued”, you can generally assume there’s been a fair bit of analytical number crunching going on behind the scenes. But how do investment analysts reach their conclusions? Is there a magic formula available that you...Read More
Super contributions – types, limits and benefits
November 21, 2022Superannuation
There are different types of super contributions and different limits for how much you can contribute. Here’s a quick breakdown. Generally, your super savings will build up over the course of your working life as money from your employment income is put into super by yourself, or by your employer under the super guarantee (SG),...Read More