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The First Home Loan Deposit Scheme is a Australian Government initiative to support eligible first home buyers purchase a home sooner. It does this by providing a guarantee that will allow eligible first home buyers on low and middle incomes to purchase a home with a deposit of as little as 5 per cent. The...Read More

At the end of 2018, after a dismal fourth quarter – in fact, the worst quarterly performance in seven years – the Australian share market closed at a two-year low. No doubt, many investors at the time were probably anticipating a mediocre year ahead. Yet, seven months later, the Australian share market had not only...Read More

One of the biggest retirement challenges is ensuring that the savings accumulated during your working years lasts as long as you do. If you had invested $10,000 in Australian shares on 31 October 2009 without any further contributions or withdrawals, you would have experienced an average of 8.3% annualised rate of return and ended up...Read More

New laws to protect your retirement savings Around 40% of working Australians claim they don’t have life insurance1. Yet, with 13.5 million insurance policies inside super2, it’s likely many people may have life insurance without knowing it3. The bigger picture There’s a good chance, at some point in your career, you joined your employer’s default...Read More

These handy hints can help you hit the road with absolute faith in your home on wheels. Whether you’re buying a TV, a house, or a caravan, there are always questions you need to ask and answer before you purchase. If these questions go unanswered, it can lead to problems, regrets, and inconveniences. Worse yet,...Read More

Australia has one of the highest rates of share ownership in the world. According to an ASX Australian Investor Study, approximately 37 per cent of Australian adults hold shares either directly (31 per cent) or indirectly (7 per cent derivatives and 11 per cent invest in other on-exchange investments), making us a country with one...Read More

Looking to reduce your impact on the environment and save money? Making your kitchen more eco-friendly helps both the planet and your bank account! Use the tips below to save money in the kitchen and help save the planet. 1. Plan Meals in Advance A little planning goes a long way! Set aside time each...Read More

The lists of Australia's wealthiest individuals and families published annually by different media organisations are generally an interesting read. Ranking them by their net wealth, they show that many of the richest Australians have progressively become richer over time through a combination of business expansion, market forces and shrewd investment decisions. In fact, looking at...Read More

Binding death benefit nominations in an SMSF can provide useful direction to the trustee of a fund after death, for distribution of benefits. However, over the past six months, we have noticed some common issues arising that need attention. 1. Issue: ‘Everything will be OK, my family will look after it.’ Many members of SMSFs...Read More

You're so close. You were diligent in making additional contributions to your super when it made sense and have saved enough in your fund of choice. You have created a realistic retirement budget. You dream of more days at the beach, turning into a grey nomad, with none, zero, nada, office commitments. To increase the...Read More