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How to get the right My Aged Care Assessment
April 12, 2022Aged Care
How to start the aged care assessment process, understand the difference between the ACAT and RAS assessment service, know what is involved in the aged care assessment and the significance of this to getting the right level of aged care at home service. So often when talking to our clients, we hear busy adult children...Read More
When is the next interest rate hike in Australia? It’s the $64 question for local financial markets1. Our base case remains that the first hike will come in August but there is a chance that it could happen earlier, in June. That’s recently been reinforced by the January jobs data where the unemployment rate came...Read More
It's a common misperception that the greatest determinant of portfolio return variability is your stock selection. Understandably, choosing which ETFs, individual shares, active funds or other securities to invest in is often the most exciting part of portfolio construction for new investors, and of course it remains an important factor. But as Vanguard research shows,...Read More
Senior economist Diana Mousina answers our questions on potential interest rate changes and what it could mean for Aussie households. Why have interest rates been so low for so long? The main reason interest rates have been kept so low is the Reserve Bank of Australia undershooting on its inflation target of 2-3%. We haven’t...Read More
It’s easy to walk into debt, but so much harder to get out of it. You must own your mess and know that your financial reason for living is to pay down your debt, writes Glen James author of Sort Your Money Out & Get Invested. Apathy and debt reduction don’t go hand in hand....Read More
What’s the market outlook for 2022?
March 28, 2022Financial Planning
Despite the rough and uncertain start to the year there is reason to be optimistic about the share market in 2022. Economies are recording solid economic growth, profits are rising and monetary policy, notwithstanding increases in interest rates this year, will remain easy. But 2022 is unlikely to replicate last year’s very strong investment returns...Read More
What to expect in 2022
March 21, 2022Financial Planning
Investment returns are unpredictable. Take last year, for example. Few would have predicted that the price of coffee beans would outperform global share markets. But that’s exactly what happened, thanks to a combination of unforeseen climatic events and the ongoing impact of the Covid-19 pandemic on supply chains around the world. Those factors, combined with...Read More
Should you salary sacrifice into super?
March 21, 2022Superannuation
Sacrificing some of your pre-tax salary into superannuation…it sounds like a great idea in theory. Who wouldn’t want to save more for retirement? According to the latest figures for June 2021, a single Australian aged 65 will need $44,818 a year and couples will need $63,352 a year to enjoy a comfortable retirement1. So clearly...Read More
Will interest rates derail markets?
March 7, 2022Wealth Creation
What happens to interest rates locally and globally is always important for investors, but particularly so at turning points in the economy. And notwithstanding the recent Omicron outbreak, the world’s most influential central bank, the US Federal Reserve, looks likely to lift interest rates as early as March. It would be the first increase in...Read More
Make 2022 the year you buy your first home
February 28, 2022Debt Advice & Mortgages
If your New Year goals include buying your first home, even though you’re finding it impossible to save for that ever-increasing deposit, you’re not alone. Many people ask us if they can get a home loan with zero or a very small deposit. The answer is a qualified ‘yes’. As always, it depends on your...Read More