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Your money in retirement
April 8, 2024Retirement Planning
Living longer means more life to enjoy. If you're retired, or planning to retire, here are some ways to help make your money go the distance. Claim your government entitlements You may be eligible for government benefits such as: Age Pension Pensioner concessions Health care benefits Tax offsets See Age Pension and government benefits. Keep...Read More
How to do a budget
April 2, 2024Debt Management & Budgeting
Having a budget helps you see where your money is going. You can put aside money for bills and expenses and set up a plan to reach your financial goals. Follow these steps to get started. Use how often you get paid as the timeframe for your budget. For example, if you get paid weekly,...Read More
New increased super contribution caps
April 2, 2024Superannuation
As the end of financial year gets closer, some investors are thinking about the most effective ways to boost their super balance, particularly with an increase in the caps on contributions from 1 July. The concessional contributions cap, which is the maximum in before-tax contributions you can add to your super each year without paying...Read More
When getting ready to buy property, there are many things to keep track of as settlement approaches. An important consideration is what you will need in terms of insurance – admittedly not the most exciting part of buying a new home, but one which can save you money and stress in the future. Why lenders...Read More
Investing success can mean different things to different people. Being clear on what success means for you is key to mapping out your plan. Although investing can seem perplexing and complex, success is largely within your control. Having a tailored investment strategy can go a long way to reducing the stress and noise associated with...Read More
You can't control what happens on financial markets. But you can control one factor to improve your returns. When it comes to investing, there are things you can never control and things that you can. You can't control what happens on financial markets on a day-to-day basis or the market returns from your specific investments....Read More
Key points - The theory is that inflation expectations influence future actual realised inflation. - Central banks pay close attention to inflation expectations, especially in the recent period of high inflation, out of concern that inflation expectations will become “unanchored” and lead to prolonged high inflation. - But, recent RBA research showed that consumers have...Read More
Self-managed super fund (SMSF)
March 12, 2024Superannuation
A self-managed super fund (SMSF) is a private super fund that you manage yourself. SMSFs are different to industry and retail super funds. When you manage your own super, you put the money you would normally put in a retail or industry super fund into your own SMSF. You choose the investments and the insurance....Read More
Is it time for bonds to shine?
March 12, 2024Financial Planning
The backstory To say that it’s been a challenging period for bond investors for the best part of a decade, is not an exaggeration. If we cast our minds back to 2008, the world was in a precarious situation as the Global Financial Crisis took effect. Central bankers were busy thinking of ways to avoid...Read More
Investing mistakes to avoid
March 4, 2024Wealth Creation
Investing successfully and improving your investment portfolio can be as much about minimising mistakes as trying to pick the ‘next big thing’. It’s all about taking a calm and considered approach and not blindly following trends or hot tips. Let's delve into some of the most prevalent investment mistakes and look at the principles that...Read More