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Inflation – what to know and what to do
November 14, 2022Financial Planning
Rising inflation brings about concern for many, but Vanguard's time-tested investment philosophy—and a long-term focus—can help any investor navigate choppy waters. What is inflation? Inflation happens when prices rise and purchasing power decreases. This can be the result of a simultaneous high demand for and low supply of goods and services. Consumers have money and...Read More
Tax and your online side hustle
November 14, 2022Wealth Creation
With money becoming tighter as inflation rises, many people are looking to make some extra income from a ‘side hustle’. As we move towards a cashless society and transact more online, it’s becoming easier for the ATO to follow the money trail. Whether you rent your caravan on Camplify, or even if you simply sell...Read More
If you’re looking at retiring in the near future, your savings will soon turn into an income stream. So the more you’ve saved, the better. Here are some ways you could top up your retirement savings before you retire. 1. Make the most of after-tax contributions Making personal contributions to your super from your after-tax...Read More
Strategies for long-term investing
November 7, 2022Wealth Creation
Given the inherent volatility of security prices in capital markets, it is useful to remind ourselves of strategies that investors can utilise to meet their investment goals. This is important when constructing and positioning a diversified portfolio of assets, a challenge that most financial advisers face daily. Reminding ourselves of the fundamentals of portfolio construction...Read More
Until 1 July 2022, if you were aged 67 to 74 and wanted to make voluntary super contribution, you had to meet a work test or get a work test exemption. Under the new rules, individuals under 75 years of age can make or receive personal and salary sacrifice contributions without meeting a work test...Read More
Mortgage vs super
November 7, 2022Debt Advice & Mortgages
With interest rates on the rise and investment returns increasingly volatile, Australians with cash to spare may be wondering how to make the most of it. If you have a mortgage, should you make extra repayments or would you be better off in the long run boosting your super? The answer is, it depends. Your...Read More
With the double whammy of cost of living and mortgage interest rate rises, it’s no wonder many mortgage holders, and those saving to buy their first property, are feeling anxious about meeting their repayments or savings goals. The best way to check, is to stress test your household budget and mortgage repayment capacity. Your reality...Read More
How to stick to your budget
October 31, 2022Debt Management & Budgeting
Budgeting for a holiday or saving for a deposit? Even the best budget can unravel if the right tools are not in place. In this article, we look beyond the basics and focus more on what it takes to stick to your budget. Here are five tips to help you stick to your budget. 1....Read More
Booms, busts and investor psychology
October 31, 2022Financial Planning
– why investors need to be aware of the psychology of investing Dr Shane Oliver - Head of Investment Strategy and Chief Economist, AMP Capital Introduction Up until the 1980s the dominant theory was that financial markets were efficient – in other words all relevant information was reflected in asset prices in a rational manner....Read More
Guide to aged care at home
October 24, 2022Aged Care
As we get older, most of us want to remain independent and in our own home for as long as possible, but this can be challenging without some help with household tasks and personal care. Recognising this, the government runs a Home Care Packages program where approved aged care service providers work with individuals to...Read More