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Whether you're looking to invest in property, renovate or pay off something big, borrowing against the equity in your home may be helpful, if you’re across the risks. The equity in your property can be a valuable resource, as it may allow you to borrow money to achieve your goals, whether they be investment or...Read More
Planning your financial legacy
December 20, 2021Retirement Planning
Succession planning is common in the business world. Last week, the United States investment group Berkshire Hathaway announced the appointment to its board of Susan Buffett (68). She's the daughter of the company's billionaire founder Warren Buffett (91), who's still the chairman and chief executive. While it's unlikely Susan will succeed her father in those...Read More
In terms of gender equality, we’ve come a long way over the past few decades. Australian homes and workplaces are very different places than they were in previous generations. But there’s still a long way to go. When it comes to superannuation there isn’t a level playing field for Australian men and women. Before we...Read More
If you’re going to balance the future of your home or property on someone’s reliability to pay their own mortgage, make sure you’re across the risks. Nearly 40% of Aussies said it took them between two and five years to save for a deposit on a home, while 25% said it took them between five...Read More
Four common retirement goals
December 13, 2021Retirement Planning
Envision your ideal retirement: Are you relaxing on a beach? Starting a new hobby? Or finally taking that trip to Paris? A comfortable retirement looks different for everyone, but most investors share some common goals. We've broken those down into 4 key categories to help you start planning. Determining how you prioritise these goals is...Read More
Written by Tony Kaye, Senior Personal Finance Writer After months in lockdowns and living under tight restrictions, many Australians have gone on a “revenge spending” spree. Revenge spending is the term widely being used to describe how some people are taking out their revenge on the COVID-19 pandemic by spending money on things they haven’t...Read More
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
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
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
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