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Simple ways to save money
September 25, 2023Financial Planning
Find out how to save money every day and make a savings plan to stay on track. Separate and automate your savings An online savings account is a great way to grow your money faster. Unlike a transaction account, you can’t spend money directly from a savings account, so it's harder to dip into your...Read More
Managing the costs of raising children
September 18, 2023Financial Planning
It is a special feeling to welcome a new child or grandchild into the world and watch them grow. Sharing their joy as they reach new milestones is priceless. Of course, there is a real cost – raising a child is expensive, particularly now as the cost-of-living spirals higher. Estimates vary widely from the few...Read More
When life tosses up an unexpected event – such as retrenchment, a medical emergency or even just a big bill to fix the car – it can be nerve-wracking worrying about how to deal with the crisis. And, if funds are short, that just adds to the stress. But imagine that you have a secret...Read More
Adding bonds to your investment mix
August 14, 2023Financial 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
Interest rates are an important financial lever for world economies. They affect the cost of borrowing and the return on savings, and it makes them an integral part of the return on many investments. It can also affect the value of the currency, which has a further trickle-down effect on other investments. So, when rates...Read More
Charting bear and bull markets
June 26, 2023Financial Planning
Bull market surges have been longer and stronger than the bear markets that preceded them. Bear markets occur when a share market falls by 20 per cent or more from its most recent trading high. Volatile economic and investment conditions caused the United States share market to fall into bear market territory in 2022. Fortunately,...Read More
EOFY for property investors
June 5, 2023Financial Planning
As the end of financial year fast approaches, here are three main factors to keep in mind. By being prepared, particularly with your admin, having an awareness of what you can claim and considering any capital losses or gains, you will be well positioned to make the most of EOFY. Compile your records and receipts...Read More
The latest earning season proves that company dividend payouts are choppy. Casting your net wider will help capture broader income returns. If you own shares in one or more listed Australian companies, you may have been keeping an eye on the latest round of corporate earnings announcements. Earnings season is the equivalent of “peak hour”...Read More
Key Points The banking system is the main channel through which monetary policy impacts the economy. Higher interest rates over the past year have negatively impacted lending and banking profits which increases bank funding costs and can lead to weaknesses in specific organisations with existing vulnerabilities (like overexposure to lending in a specific industry) which...Read More
Key Points Housing demand in Australia is rising quickly because of a surge in net overseas migration. However, housing supply is not lifting in line with demand because of high interest rates and issues in the residential construction industry. This is causing a housing shortage in Australia. The housing shortage is putting upward pressure on...Read More