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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
Superannuation and relationship breakdown
February 27, 2024Superannuation
Overview If your relationship with your spouse ends, you should be aware of what can happen to the super entitlements of you both. The Family Court and super-splitting laws generally enable super interests (accounts in super funds) or super payments (pensions or annuities) to be split by agreement or court order if a relationship breaks...Read More
The Bank of Mum and Dad
February 19, 2024Debt Advice & Mortgages
Entering the real estate market has become increasingly tough in recent years. The median price for a house in Adelaide was $410,000 in 2013 and $740,000 as at Dec 2023.1 Housing affordability has been further eroded by rising interest rates. Becoming a first homeowner in Australia in 2024 is very difficult. More than 60% of first...Read More
Super bring-forward rules now apply to more people
February 19, 2024Superannuation
More Australians can make up to three years’ worth of non-concessional super contributions in the same financial year, with the government making this option available to individuals up to the age of 75. Individuals aged up to 75 are able to make up to three years of non-concessional super contributions under the bring-forward rules. Previously,...Read More
Life insurance: the basics and things to consider
February 12, 2024Insurance
Give me the main points The most important reason to consider taking out life insurance is to protect your family if you die or become unable to work. There’s a good case for anyone with dependants or people who plan to have dependants to take out life insurance. Life insurance policies can be bought through...Read More