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The benefits of automating your personal finances
February 24, 2025Financial Planning
In today’s fast-paced world, where every minute counts, managing personal finances can feel like another tedious task. However, thanks to the rise of personal finance automation, managing these tasks, can now be handled with minimal effort on your part. Whether you’re a professional, a business owner or someone who is busy and looking to streamline...Read More
Salary packaging
February 24, 2025Financial Planning
Salary packaging is when you and your employer ‘package’ your salary into income and benefits. It’s also known as salary sacrifice. How salary packaging works Salary packaging is when you arrange to receive less income after tax, in return for your employer paying for benefits out of your pre-tax salary. The benefits could be things...Read More
Investment income
February 17, 2025Financial Planning
When to declare investment income You must declare income you earn from investments and assets in your tax return. Investment income may include amounts from interest, dividends, rental income, managed investment trust credits, crypto assets and capital gains. You need to declare investment income whether you receive payments directly or through a distribution for a...Read More
Having a baby
February 17, 2025Financial Planning
Becoming a parent is an exciting and life-changing step. Be well-prepared for the costs and budget for them. Cost of having a baby Having a baby costs money. It’s possible to plan and save for most of these costs, but some can be unexpected. The earlier you start, the better. Pregnancy and birth costs During...Read More
General and personal financial advice
February 17, 2025Financial Planning
General or personal advice can help you reach your financial goals. General advice does not consider your personal circumstances and is general in nature. Personal advice is more specific and is tailored to your personal situation. The advice you receive could cover any of these financial products or areas: investing superannuation retirement planning estate planning...Read More
Dollar cost averaging: can it work for you?
January 28, 2025Financial Planning
Australian share prices have seen record highs in 2024 after a sluggish couple of years. The S&P ASX200 index added just under 7 per cent in the 10 months to October 31 closing at 8160.i It reached its previous all-time high of 8355 just two weeks before. So, if you were invested in an index...Read More
Three simple steps for financial wellness
January 13, 2025Financial Planning
If money’s too tight to mention, here’s some small steps that can make a big difference in achieving your financial goals. How would you rate your level of financial wellness? Do you think you’re in a good position to meet your immediate and near-term financial obligations? What about your long-term goals? They’re tough questions, asked...Read More
Term deposits
January 7, 2025Financial Planning
Term deposits let you invest for a set amount of time and get a fixed interest rate. They can be useful when saving for bigger items like a car or investing when you want to be certain about the interest you’ll earn. If you want to save but might need quick access to your money,...Read More
Preparing your kids for financial success
January 7, 2025Financial Planning
Here’s some easy money management skills for children of different ages. Teaching good financial habits, such as saving and budgeting, is one of the best ways to prepare children to have a secure financial future. It’s never too early or late to start talking about money with your children — start as soon as you...Read More
Adding bonds to your investment mix
November 11, 2024Financial Planning
Bonds can play an important role in investment portfolios, but what exactly are they, what are their benefits, and how do you invest in them? What are bonds? Bonds are a type of investment security that enable investors to lend their money to a bond issuer for a set term in return for regular income...Read More