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What is income protection insurance? What happens if life throws you a curve ball in the form of sickness or injury and you’re not able to work? Would you have enough money put aside to cover your expenses for the next few weeks, months or even years? Income protection insurance is insurance that covers a...Read More
If you’d invested $10,000 into the whole Australian share market back in 2002, your initial investment amount would have grown to almost $50,000 by 30 June 2022. It’s a huge gain. Around 385 per cent to be precise. And, to achieve it, all that you would have needed to do is reinvest all the Australian...Read More
Term deposits offer certainty and savings accounts offer flexibility. Here are some other common features and benefits of each. Putting your money into a savings account, or in the alternative, a term deposit, are two common methods of saving. Working out whether either of these options are right for you depends on your personal and...Read More
A helpful guide to understanding the basics of super. Superannuation, commonly known as ‘super’, is money set aside while you’re working so you’ll have money for retirement. Your money is put into a fund, where it’s invested on your behalf by a trustee, to help you earn returns and grow your savings. The amount of...Read More
You'll have heard the old, almost grandmotherly adage that 'every dollar counts'. But guess what - it's true. Voluntary after tax super contributions (also called non-concessional contributions), refer to any payments you make to your super fund out of your take-home pay. Making after-tax super contributions is an easy way to boost your retirement savings...Read More
Here are five investing tips for those who are just beginning their investment journey. 1. Evaluate where you're at financially Before beginning your investment journey, it's important to sit down and map out your financial position and goals so that you know where you are and exactly what you're working towards. Start by looking at...Read More
Learn how to manage your money and understand where it goes. For many of us, making a budget seems like a daunting and fairly stressful task. However, a budget is an essential component of money management and can help you get a handle on your finances and plan for your future. Instead of picturing your...Read More
We’ve all heard of the dangers of emotional spending but what about emotional saving? Emotions can wield a powerful influence on our personal finances in a positive way, but they can also have a negative impact on where we sit financially. The good news is, by cultivating a bit of self-awareness you can harness your...Read More
As baby boomers shift into retirement, Australia is on the brink of the nation’s biggest ever intergenerational wealth transfer. Yet estate or inheritance planning is rarely discussed by families. Talking openly about how you want your assets to be passed on can help avoid family disputes that take a toll both financially and emotionally. It...Read More
Dr Shane Oliver - Head of Investment Strategy and Chief Economist, AMP Capital Key points 2021-22 was a rough year for investors as high inflation, rising interest rates and recession fears impacted. Shares could still fall further as interest rates continue to rise and recession risks are high. However, inflation pressures are showing some signs...Read More