The lead up to 30 June can be a good time to maximise tax benefits that may be available to you inside super. If you’re keen on taking advantage of potential tax benefits available inside super, the lead up to 30 June could be a good time to act. Certain contributions, which we cover below, … Read more
Investment forecasts, just like weather forecasts are just that – projections of what might happen on the future, based on past patterns calculated alongside all possible factors that might help provide an estimation of what might occur in the short term. If you’ve ever relied on a weather forecast to help plan a significant event … Read more
The pandemic has changed the way so many of us live, with jobs, travel and lifestyle all transformed during COVID. Now, as we start emerging on the other side, it may be a good idea to check whether these changes have impacted on your life insurance needs. In some cases, you may require more cover … Read more
We look at how much money you might need each year and ways you can still budget for your social life. Australian retirees generally need a certain budget each year to live a modest or comfortable lifestyle, and industry figures recently revealed the highest annual increase in those budgets since 20101. The Association of Superannuation … Read more
Starting a family or growing one can be exciting, but it can also be expensive. Here are some ways to prepare yourself financially. Having a baby is a wonderful thing, but it can also mean big changes to your lifestyle and finances, particularly if you consider that parents with children under age 12 fork out … Read more
If you’re already retired or on your way to retiring, have you been obsessively checking your portfolio balance and dreading the next piece of news that might cause it to dip further? Or have you been keeping up with the news as you usually do, but confident that your portfolio will largely weather the volatility … Read more
The best thing investors can do when markets are volatile is to stay invested. Of course, that’s often easier said than done, especially when market commentators point to a market correction or when your portfolio is down for consecutive days or weeks. For those new to investing, particularly those who jumped into the market when … Read more
How to start the aged care assessment process, understand the difference between the ACAT and RAS assessment service, know what is involved in the aged care assessment and the significance of this to getting the right level of aged care at home service. So often when talking to our clients, we hear busy adult children … Read more
If you haven’t had the money talk, here are the top 10 things to discuss with your partner early on. Whether or not money issues got in the way of past relationships, you may be thinking, there’s no way you’re going to pull back on that long passionate kiss you might get this evening to … Read more
When is the next interest rate hike in Australia? It’s the $64 question for local financial markets1. Our base case remains that the first hike will come in August but there is a chance that it could happen earlier, in June. That’s recently been reinforced by the January jobs data where the unemployment rate came … Read more
It seems like June 30 rolls around quicker every year, so why wait until the last minute to get your personal finances in order? With all the uncertainty and special support measures of the past two years, it’s possible your finances have changed for better, or for worse. So it’s a good idea to ensure … Read more
It’s a common misperception that the greatest determinant of portfolio return variability is your stock selection. Understandably, choosing which ETFs, individual shares, active funds or other securities to invest in is often the most exciting part of portfolio construction for new investors, and of course it remains an important factor. But as Vanguard research shows, … Read more
