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Investing for retirement used to be straightforward As the end of your working life approached, you gently wound down the proportion of growth assets like equities in your portfolio and lifted the defensive assets like bonds and fixed income. The aim was to eventually hit something like a 50:50 split between growth and defence that...Read More
What Type Of Loan Is Right For You?
December 6, 2021Debt Advice & Mortgages
The array of mortgages available helps a good finance broker to tailor a package to suit your needs. Here are just some of the options. Fixed-rate mortgages With a fixed-rate loan, you know exactly how much you’ll pay per fortnight or month for the fixed period of the loan (usually one to five years). Variable...Read More
Shaping investments for the future
December 6, 2021Wealth Creation
With significant demographic shifts occurring around the world, one useful approach for investors is to use demographic themes and trends as a compass for future investing. Focusing on companies that will benefit from slow moving, long duration and highly predictable demographic trends can help investors predict areas of future opportunity. There are three main themes...Read More
Super lump sum
November 29, 2021Superannuation
You may be able to take your superannuation as a lump sum payment when you retire. This is usually tax-free from age 60. How a superannuation lump sum works Depending on your fund's rules, you may be able to withdraw some or all of your superannuation (super) as a lump sum. If so, you can...Read More
Investing in volatile times
November 29, 2021Wealth Creation
As Australia emerges from lockdowns in New South Wales, the Australian Capital Territory and Victoria, and the economy recovers from a September quarter contraction, where should investors put their money? Currently cash and bond returns are very low. The local bourse had another weak September – during eight out of the last 11 Septembers the...Read More
What comes to mind when you think of fitness? For many of us, it's treadmills, weights, or maybe even those dreaded burpees - things that keep our bodies moving and strong. But fitness also applies to our minds, jobs, families, communities, and finances, all of which play important roles in our overall health and well-being....Read More
Three months ago, if the government and economists were told that the economy would grow by 0.7% during the June quarter, they might have been disappointed. Back then the employment market was picking up pace, big sectors of the economy such as construction and retail were enjoying a government assisted spending boom, and the main...Read More
We often don’t like to think of our mortality, but it’s a fact of life. The best way to take care of your business, family and loved ones in the event that you are no longer here is by putting in place a solid plan, writes Melisa Sloan, author of Legacy, and an Estate Planning...Read More
Your credit report reveals whether you’ve been paying your bills on time and it matters because it could affect your ability to borrow money. If you’ve got a credit card, personal loan, mobile phone plan or utility account, there’s probably a credit reporting agency out there that has a file with your name on it....Read More
Should I take my super as a lump sum?
November 8, 2021Financial Planning, Superannuation
Taking your super as a lump sum might be tempting, but it won't be the best option for everyone. You've probably spent much of your working life accumulating super. So, when the time comes and you're able to access it, you might be wondering whether you’d be better off taking the money as a lump...Read More