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The influence of emotion on our finances
August 23, 2022Financial Planning
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
A Will to give
August 23, 2022Estate Planning
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
Asset allocation is the biggest determinant of investment returns. Here's why taking the time to get it right matters. Choosing investments on a whim based on current market conditions is unlikely to be a winning strategy in the long-run. What should come first, and what is perhaps fundamentally more important than picking the right investments,...Read More
Share markets have come under more pressure in the past week. From their all time highs to their lows in the last few days US shares have fallen 24%, global shares have fallen 21% and Australian shares have fallen 14%. As has been the case all year the key drivers remain high and still rising...Read More
Whether you’re doing it because you want to travel, study or start a family, taking a career break can really affect your financial future. Thankfully, there are ways to help keep your superannuation in shape. Whatever your stage of life, there are several reasons for planning a career break. In some instances, leaving the workforce...Read More
Beware of the Granny Flat traps
August 1, 2022Aged Care
Setting the scene Marilyn is 67 and has had enough of work. She has worked hard and raised two children on her own and she’s ready for some “me time”. Her children are now adults and live at opposite ends of Australia to her. Marilyn has sold her (big) home and has moved north to...Read More
Putting recent returns into perspective
August 1, 2022Wealth Creation
While 2021-2022 may not have been a stellar year for the majority of investors, it's worth remembering that the worst performing asset class one year can be the best the next, and vice versa. That's why successful investing benefits from having a good balance. The last financial year, particularly the first half of 2022, saw...Read More
If you want to know more about how your super balance compares, where your money’s invested, or who’ll get your super if you pass away, this list is for you. Super is there to provide you with an income when you stop working and it may provide a tax-effective way to save for your retirement...Read More
Here’s a 5-point checklist to ensure your savings account is the one for you. Looking for a good savings account can sometimes be a little like looking for a good partner – the honeymoon period might be important, but so is achieving your happily ever after. While different features will suit different people, here’s a...Read More