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Six steps to get ready to invest
October 17, 2022Financial Planning
Planning is the key to successful investing. Creating a plan will help you find investments that fit your investing time frame and risk tolerance, to help you reach your financial goals sooner. 1. Review your finances Before you invest, review your financial situation. Write down what you owe (your debts) and what you own (your...Read More
A retirement plan built to last
October 17, 2022Retirement Planning
Staying the course, and not being distracted by short-term market events, is just as important in retirement as it is at any other time. Retiring from work shouldn’t necessarily equate to retiring from managing your investment portfolio. In fact, taking an active role in your investments during retirement will ensure you have the best chance...Read More
Tax on superannuation
October 17, 2022Superannuation
How your super is taxed differs depending on your age, contributions and other factors, so it’s important to understand the different tax implications that could apply to your nest egg. Super can be a tax-effective way of saving for retirement. Generally, money invested in super is taxed at a lower rate than your personal income...Read More
How much super should you have at your age?
October 10, 2022Superannuation
See the average super balance for your age group, so you can get an idea of how your super savings compare. Your super balance will most likely play a big part in how comfortably you live in retirement. But depending on how far off retirement is for you, it might be difficult to gauge whether...Read More
Elder abuse was already an issue across the world, however, the pandemic has exacerbated the issue - with more and more people feeling a financial and emotional burden over the last three years. It is estimated that one in six older people have experienced some form of elder abuse over the last 12 months and...Read More
Your investing style – as unique as you
October 4, 2022Financial Planning
With interest rates increasing after a lengthy period of historical lows, it’s a good time to think about how your money is working for you and whether your investing style and strategy is still in line with your goals. Higher interest rates don’t just send a ripple through the economy, aside from the obvious impact...Read More
Wills and powers of attorney
October 4, 2022Estate Planning
A good estate plan will help make sure your wishes are carried out when you die. It can also help if you become unable to make your own decisions. Estate plans An estate plan records what you want done with your assets after your death. It can include documents such as: your will a testamentary...Read More
The trouble with intuition when investing
September 26, 2022Financial Planning
Knowing how your mind works can help you avoid the more obvious traps many investors fall into. Cognitive bias has become a bit of an investing buzz phrase in recent years. The theory is that the human brain predictably makes errors of judgment that can lead us to be emotional, short term and come to...Read More
Salary sacrificing super
September 26, 2022Superannuation
Salary sacrifice is an arrangement with your employer to forego part of your salary or wages in return for your employer providing benefits of a similar value. One example of a salary sacrifice arrangement is to have some of your salary or wages paid into your super fund instead of to you. If your employer...Read More
Dr Shane Oliver - Head of Investment Strategy and Chief Economist, AMP Capital Like a circle in a spiral, like a wheel within a wheel, Never ending or beginning, on an ever spinning wheel. As the images unwind, like the circles that you find, In the windmills of your mind. https://www.youtube.com/watch?v=qJAVP7jP0bI Introduction Cycles are part...Read More