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Can you use your pension to retire debt free?
November 1, 2021Retirement Planning
Perhaps you’re considering options for how to reduce your debt before retiring. Well, one option may be to use your pension account, but there are some important things you should consider first. It’s no secret that Australia, like many countries, has an ageing population. According to the Australian Bureau of Statistics, 16.3% of us are...Read More
Dividends explained
October 18, 2021Wealth Creation
If you’re a shareholder of a company, you may receive payments known as dividends. These payments represent your share of the company’s profits and are your reward for investing. Dividends may be a great way to boost your income and are often considered tax effective. Find out exactly how they work and how often you’ll...Read More
Why property investors need savings
October 11, 2021Debt Advice & Mortgages
Urgent maintenance is an unavoidable aspect of being a landlord, so having a cash buffer set aside will help you deal with any unexpected problems. When renting out an investment property, having access to extra cash is vital for two reasons: to cover the costs of maintaining the property, giving it the best chance of...Read More
Super investment options
October 11, 2021Superannuation
Your super fund invests your money for you. Most funds let you choose from a range of investment options, from conservative to growth. It's worth taking the time to check your options and decide what's right for you. The options you choose can make a big difference to how your super grows. You can find...Read More
The target mix of your investment portfolio should be built on your goals, time horizon and risk tolerance. But goals can change, and market fluctuations can cause your asset allocation to shift, so it's important to monitor your portfolio on a regular basis and make adjustments as needed to ensure you are not taking on...Read More
How To Negotiate The Best Property Price
September 27, 2021Debt Advice & Mortgages
Negotiating the best property price isn’t a matter of swindling a seller. It’s about doing your homework, knowing what you want, knowing the market and making sensible offers. When you are buying property, getting the best price can mean the difference between being able to afford it and having to settle for second best. And,...Read More
Know your options around making contributions, accessing your super savings and when Age Pension entitlements could be affected. Whether you’re still working, or you’ve already retired, rules around super contributions, accessing super and things like Age Pension eligibility do ramp up once you hit your 60s and 70s. There have also been a lot of...Read More
By Tony Kaye, Senior Personal Finance Writer, Vanguard Australia In early 2020, over just a few weeks, global share markets tumbled more than 35 per cent. Sparked by investor panic over the rapid spread of the COVID-19 virus, it was one of the biggest-ever market downturns. Yet, by the end of last year, markets had...Read More
Not sure what to do with your tax refund? Strategic financial decisions for your tax return begin with a strong plan. Plan the best ways to use your tax refund in 3 easy steps Write down your financial goals in a clear plan Do a financial check-up, assessing debt and expenses Invest your tax refund...Read More
8 tips for buying your first home
September 13, 2021Debt Advice & Mortgages
There’s a lot to get your head around as a first home buyer, and the upfront and ongoing costs are only part of it. Buying a home is one of the biggest purchases you might ever make, so it’s understandable that saving money for a deposit on a property isn’t likely to happen overnight. In...Read More