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You’re nearly there. After a lifetime of toil – of digging, building, thinking, manufacturing, planting, helping and nurturing – it’s time for you to enjoy your Golden Years. If you’re an Australian resident, you’re entitled to an age pension and a Seniors Card. Here’s what you need to do next. Age Pension Eligibility To claim...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
Understanding contribution caps
June 26, 2023Superannuation
There are limits on how much you can pay into your super fund each financial year without having to pay extra tax. These limits are called 'contribution caps'. How much you can contribute to your super fund and whether your fund is allowed to accept your contribution may also depend on your age and total...Read More
Consolidating your debts could give you a clearer picture of what you owe and potentially save you money, but there’ll still be things to look out for. If all those small debts you once had, have somehow multiplied and grown into bigger debts, rolling them into one could help reduce what you’re paying in fees...Read More
It's challenging to get a foot on the property ladder and coming up with a large enough deposit can seem like an impossible task at times. One way of increasing your savings is to boost the amount of money you have coming in. When it comes to boosting your income, every little bit helps, so...Read More
Flexing your retirement plans
June 19, 2023Retirement Planning
The concept of retirement is changing, with fewer people working towards a final retirement date and then clocking off for good. Instead, those who have the flexibility to choose are often transitioning out of the workforce over several years, or even returning after a break. Whether you simply want to wind back your working hours...Read More
Small savings can steadily grow without sacrificing the fun things in life. Get creative, set a goal and uncover easy ways to save in the long run. Like rolling out of bed to exercise first thing in the morning, sometimes the hardest thing about saving money is getting started. Once you’re in full swing, however,...Read More
Moving into aged care can be a challenging time, both for those making the move and families supporting their loved ones. It's understandable that everyone wants to find the most suitable accommodation and the appropriate standard of care, however, it can be confusing to make that choice. A new star rating system for aged care...Read More
Australians are living longer and experiencing higher house-to-wage ratios. It makes good sense to consider how you can achieve a comfortable long term future. What makes a smart investor? A webinar on borrowing to invest brought together financial advice commentator Noel Whittaker, REA Group’s Chief Economist Nerida Conisbee and NAB Equity Head of Sales Craig...Read More
How you tackle your debts may make a big difference to what you pay in the long run. It’s not uncommon in Australia to have some form of debt, whether that be credit card debt, a personal loan, student tuition, car finance or a home loan. The good news is, certain debt can have its...Read More