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Life Stage Financial Planning for Every Age
April 30, 2025Uncategorized
As life changes, so too do your financial needs. What’s important in your 20s may look very different by the time you reach your 50s. That’s the purpose of life stage financial planning, it helps ensure your financial strategies evolve in step with your goals, responsibilities, and lifestyle. Rather than relying on a one-size-fits-all solution,...Read More
As investors grapple with uncertainty, keeping a cool head has never been more important. “Time in the market, not timing the market” is a popular investment philosophy that emphasises the importance of staying invested over the long term rather than trying to predict short-term market movements. While markets can be volatile in the short term,...Read More
The trouble with having too much cash
April 28, 2025Uncategorized
Investors with large cash holdings should keep an eye on falling deposit rates. Most of us have heard the saying, cash is king. It relates to the liquidity advantages of having an amount of cash readily available to cover off things such as everyday living costs, potential emergency expenses, or on an investment level to...Read More
Identity theft
April 7, 2025Uncategorized
If your personal information falls into the wrong hands, it can be used to steal your identity. If you think your identity has been stolen, report it to your bank and change your passwords. You can also contact IDCARE for specialised support. If identity documents with your Centrelink Customer Reference Number, Medicare or myGov details...Read More
How political events affect the markets
April 7, 2025Uncategorized
From the economy bending policies of Trump 2.0 to the growing strength of the far right in Europe, the new alliance between Russia and the United States, the wars in Ukraine and the Middle East, and the US President’s vow to upturn world trade rules, the markets are certainly navigating tricky times. In recent months...Read More
The generation redefining aging
March 31, 2025Uncategorized
As we advance into the 21st century, the concept of aging is undergoing a transformation, largely thanks to a new generation of “oldies” who don’t feel old – and are reframing what it means to be getting on in years. Traditionally, aging has been associated with decline, frailty, and a sense of irrelevance. However, today’s...Read More
Granny flats: tax traps and tips
March 31, 2025Uncategorized
With more older Australians looking to downsize and younger generations looking to get a foot on the property ladder, building a granny flat or a second dwelling in your backyard has become a more affordable solution. In 2023, CoreLogic analysis of residential properties in Sydney, Melbourne and Brisbane found more than 655,000 sites suitable for...Read More
You may be owed money. Here’s how to check
March 31, 2025Uncategorized
Holidays and gift giving can leave you a little short of cash so it might be cheering to learn that billions of dollars is being held by various government agencies just waiting to be claimed by the rightful owners. The biggest pot is lost superannuation. The Australian Taxation Office (ATO) is holding more than $17.8...Read More
Investment scams
March 11, 2025Uncategorized
Be suspicious of anyone offering you easy money. Scammers are skilled at convincing you that the investment is real, the returns are high and the risks are low. There’s always a catch. If you think you’ve been targeted by scammers, act quickly. For steps to take and where to report a scam, see what to...Read More
Deductions you can claim for the costs of earning interest, share dividends, or income from other investments. Interest income expenses You can claim a deduction for account-keeping fees you incur on an account held for investment purposes, such as bank accounts or income bonds. You will find these fees on your statements. If you have...Read More