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Investing cycles – Lessons from the Magnificent 7
September 9, 2024
When it comes to investing in shares, it’s often said that time is your friend. The data shows that investing small amounts consistently over time and riding out the ups and downs of the market by holding onto your investments for the long term, can produce a healthy return. Over the past two decades, the...Read More
Investment Property: Getting it right
September 9, 2024Debt Advice & Mortgages
With property remaining a high-priced asset, it’s more important than ever for investors to ensure their property investments are a financial success. The latest data demonstrates property’s popularity. One-in-five households (21%) owns a home in addition to their usual residence.i Maximising taxation benefits is one key element but the ATO recently found 9 out of...Read More
Investing cycles – Lessons from the Magnificent 7
September 2, 2024Financial Planning
When it comes to investing in shares, it’s often said that time is your friend. The data shows that investing small amounts consistently over time and riding out the ups and downs of the market by holding onto your investments for the long term, can produce a healthy return. Over the past two decades, the...Read More
What it means to combine finances Even if you have a strong relationship, there are some important details to consider before joining finances. Money Smart's guide to relationships and money makes some key points: If your partner defaults on a joint loan, you may have to pay for the whole amount – even after your...Read More
The 2023-24 financial year is now well behind us and there’s nothing like closing a chapter to inspire thoughts of a fresh start. But cost-of-living challenges persist, and many Australians are looking for ways to cut back and maximise their savings to meet their financial commitments among interest rate and inflationary pressures. Now is a...Read More
Disposing of shares
August 26, 2024Financial Planning
How to dispose of shares You can dispose of your shares in the following ways: selling them giving them away (gifting shares) transferring them to a spouse as the result of a breakdown in your marriage or relationship through share buy-backs through mergers, takeovers and demergers because the company goes into liquidation. It's important you...Read More
Retiring without a mortgage has a large positive impact on retirement confidence. For decades the “Great Australian Dream” has been the general desire by most Australians just to own a home. But that dream has morphed over time. These days it’s not just about owning a home but having the mortgage paid off either before...Read More
Thinking of refinancing? Here’s how
August 26, 2024Debt Advice & Mortgages
This step-by-step guide shows you how to navigate the process of refinancing your home loan. With interest rates increasing materially in the past few years, refinancing your home loan to a lower interest rate with another lender is one way to reduce mortgage stress and cope in the current environment. So to get you started,...Read More
Lodging a tax return
August 20, 2024Uncategorized
If you earned Australian income between 1 July 2023 and 30 June 2024, you may need to lodge a tax return. If you're doing your own tax, you have until 31 October to lodge your return. Lodge online with myTax You can lodge your return using myTax, the ATO's free online tax return. You need...Read More
Spending your kids’ inheritance
August 20, 2024Estate Planning
Many Australians expect an inheritance, but their parents may have a different view. Around one in two Australians have received or expect to inherit money or property, either from their parents or others. That’s one of the key findings from Vanguard’s 2024 How Australia Retires research, but it shouldn’t come as a great surprise. Over...Read More