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How will you use your super?
January 15, 2024Superannuation
We spend decades watching our super balances grow but for those thinking about retirement in the next few years, it can be confusing to work out how best to use your super. Here are some of the considerations for the popular options. Easing into retirement You can keep working and receive regular payments from your...Read More
Personal transformation can be challenging. We all have habits we’d like to break and behaviours we’d like to do more of. But when we do some self-examination and think about what is involved in navigating change, it can seem overwhelming to get to where we need to be, whether that is personally or professionally. That’s...Read More
The new year is a time when most people sit back and set some goals for the year ahead. But why not think about your goals for next year now? If you are thinking of buying a property, get a jump-start on 2024 and be ready to buy by starting the pre-approval process and doing...Read More
Borrowing to invest
December 18, 2023Wealth Creation
Borrowing to invest, also known as gearing or leverage, is a risky business. While you get bigger returns when markets go up, it leads to larger losses when markets fall. You still have to repay the investment loan and interest, even if your investment falls in value. Borrowing to invest is a high-risk strategy for...Read More
Retirement income and tax
December 18, 2023Retirement Planning
How much tax you pay on retirement income depends on your age and the type of income stream. For most people, an income stream from superannuation will be tax-free from age 60. How super income streams are taxed Types of super income streams Income from super can be an: account-based pension — a series of...Read More
Could you cope if you needed instant access to money during an emergency? Learn simple ways to create savings for times when life throws you a curve ball. Many expenses and changes in life can be planned, like buying a house, going on holiday, picking up groceries or having a baby. But there can be...Read More
Christmas is a time for giving and it’s so easy to get caught up in the joys of the festive season and lose track of how much you are spending. Fortunately, there are a few tried and true strategies to manage your money to see you through the silly season into the New Year and...Read More
Withdrawing part of your superannuation fund balance then paying it back into the account, known as a recontribution strategy, may sound a little strange but it could deliver a number of benefits including reducing tax and helping to manage super balances between you and your spouse. Your super is made up of tax-free and taxable...Read More
Spouse super contributions – what are the benefits?
December 11, 2023Superannuation
If your partner is a low-income earner, working part-time, or currently unemployed, adding to their super could benefit you both financially. Your partner might be accumulating little or no super at all to fund their retirement if they’re not a big-income earner, or they’re out of work or working less hours. If you’d like to...Read More
Aged care challenges in the home
December 4, 2023Aged Care
Aging at home with government-subsidised funding is made possible through the Home Care Packages program. However, a crackdown on what the funds can be used for and a shortage of support workers, can make it challenging to understand the funding available. If you are approved for a Home Care Package you will be assessed at...Read More