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Dr Shane Oliver - Head of Investment Strategy and Chief Economist, AMP Capital Key points Ukraine tensions have escalated with Russia ordering troops into Ukraine regions already occupied by Russian separatists. Share markets are at high risk of more downside on fear of further escalation and uncertainty about sanctions/gas supply to Europe. The history of...Read More
Credit Card Debt & Afterpay Debt
February 21, 2022Debt Management & Budgeting
Once, credit cards were the payment platform of choice for Australian consumers. Today, Afterpay and similar ‘buy now, pay later’ payment options are fast making inroads – particularly among millennial consumers. While both payment options have their pros and cons, it’s important to consider the implications of credit card debt and Afterpay debt if you’re...Read More
How To Pay Off Your Mortgage Faster
February 21, 2022Debt Advice & Mortgages
When was the last time you looked closely at your loan, the progress you are making on paying it off and how it compares to others in the market? Analysing your mortgage could mean savings for you, as well as the opportunity to pay it off more quickly, invest in other assets or reach financial...Read More
Portfolio construction is a much-used term that can be misunderstood. Fundamentally, the term portfolio construction refers to the process of selecting investments to create the optimal balance of risk and return. By mixing different types of investments and different asset classes, portfolios can be built in a way that maximises the return for any given...Read More
A year ago, takeaway food was number one on Australia’s comfort-spending list. If habitual purchases like this are still taking their toll, here are some tips for 2022. Over a 12-month period, Australians forked out a whopping $37 billion (and then some) on comfort spending1. You know, the things you might buy to pass the...Read More
Welcome to the shortage economy. As we enter into the third year of the pandemic, COVID has truly turned the world upside down. Well over a million Australians have contracted the virus and the impacts on the economy have been numerous and large. None so much as the shortage economy Australia finds itself in right...Read More
The beginning of a new year is often a good time for us to take a break, relax and maybe make some resolutions for 2022. When it comes to superannuation, deciding on new year resolutions may be a little more difficult than usual as we’ll need to look into the political crystal ball. There’s a...Read More
Early Retirement Planning Tips
February 2, 2022Retirement Planning
The average retirement age people intend to retire in Australia is 65.5 years* according to the ABS – but anecdotally many dream of retiring earlier. But how do you do it? The key to planning for retirement is ensuring that when you feel emotionally ready to retire, your finances are ready too. By following some...Read More
Creating a Long-Term Financial Plan
February 2, 2022Financial Planning
Creating a long term financial plan can pave the road to a strong financial future. A long term financial plan is the process of aligning your financial capacity with your financial goals. It helps you establish your long term financial goals, creates a strategy to reach them, and then tracks your progress toward success. Your...Read More
5 tips to shave years off your mortgage
January 31, 2022Debt Advice & Mortgages
Every homeowner loves the idea of becoming mortgage-free faster and paying less interest in the lead up to that landmark event. Fortunately, there are some easy steps you can take to get there sooner - whether you’ve just got your first home loan, want to increase your property equity or become mortgage-free as soon as...Read More