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The Health Benefits of Camping
July 21, 2020
We all know camping is a fantastic activity, providing hours of enjoyment and a welcome opportunity to connect with loved ones, as well as nature. But that’s just the start. Did you also know that a whole range of wonderful health benefits result from camping? From physical and mental aids to those that are tailor...Read More
Ways to outsmart your cognitive biases
July 21, 2020
As markets continue to be wax and wane due to ongoing coronavirus fears and subdued employment and economic recovery numbers, it seems timely to remind ourselves of the types of behavioural and emotional biases that could lead to potentially risky investment behaviour, and how you can avoid them. As human beings we are not well...Read More
The secrets to early retirement
July 21, 2020
Dreaming of retiring before you reach 50? The ‘secrets’ to early retirement may be more practical and achievable than you’d think. While many people choose to work as long as they can, others want to retire early, perhaps in their 30s, 40s or 50s. If you’re in the latter category, you’ll want to have sufficient...Read More
Consumer sentiment and behaviour will play a critical role in any economic recovery from the COVID-19 pandemic. Federal and State government policy settings must walk a fine line between managing the incidence of new infections and avoiding irreparable damage to the economy. However, with persistent uncertainty and a long road ahead, the consumer sentiment and...Read More
Changes to super contribution rules for over 65s
July 13, 2020
The Federal Government has updated superannuation laws to allow older Australians to contribute to their super for longer. Work test to apply from age 67 The government has increased the age up to which super contributions can be made without having to meet a work test from 65 to 67. The work test requires you...Read More
Starting the investment journey late
July 13, 2020
The power of compound returns is startling and the mathematics in favour of starting to save early in life is undeniable. At a 4 per cent annual return, $100,000 invested today will grow to around $580,000 over the course of a regular 45 year working life. Vanguard's retirement planning team has a worked example online1....Read More
Track your spending
July 6, 2020
Tracking your spending is a way to take control of your money. Knowing exactly how much is coming in and going out can help you spend less and save more. 1. Understand where your money goes Taking the time to make a note of every dollar you spend can give you a clear view of...Read More
Have you got a personal financial register?
July 6, 2020
Have you written a personal financial register, listing your super and non-super investments, your other assets, your income and any debts? This fundamental task for managing your personal finances, investing and saving for retirement would often be left on a must-do-tomorrow list – and perhaps never done. Behavioural economists typically rank investor inertia and procrastination...Read More
Should you give your teenager a credit card?
July 6, 2020
We live in a culture of smartphones, WIFI, home delivery, online shopping and online gaming, where most needs and wants can be met almost instantly. With so much temptation to spend, it’s vital to teach your kids the money skills to help them enjoy financial wellbeing as adults. One of these key skills is learning...Read More
Gone are the days of childhood watermelon seed spitting competitions, a customary afterschool summer tradition of times gone by. Our kids today won’t get to share these childhood memories, and in fact, most won’t even know that watermelons have seeds, let alone how to spit them. Meet the new ‘seedless watermelon generation’. A generation of...Read More