Despite much talk of rising interest rates and possible recession, here are a few reasons to stay the course and stick to your long-term investment strategy. There has been much discussion of rising interest rates, recent inflation spikes and ongoing market volatility impacting investment and super balances. Add to that the increased chatter about the … Read more
With the price of iceberg lettuce peaking at an insane $12, and inflation not letting up any time soon, it’s a good time to review what you can do to reduce your food spend. If you’ve been wincing at the total on the register at the check-out recently, you’re not alone. Food prices have spiralled … Read more
The upside to getting older is becoming eligible for government benefits that could help lower the cost of living. So it’s the big one. Sixty years old. It’s hard to believe… In a youth-obsessed culture it seems we’re constantly being reminded about the downside of getting older. And it’s true there are some aspects of … Read more
Share market investment analysts thrive on numbers. So, when you read reports about markets or specific companies being “overvalued” or “undervalued”, you can generally assume there’s been a fair bit of analytical number crunching going on behind the scenes. But how do investment analysts reach their conclusions? Is there a magic formula available that you … Read more
Working out how much you need to save for retirement is a question that keeps many pre-retirees awake at night. Recent market volatility and fluctuating superannuation balances have only added to the uncertainty. So it’s timely that new research shows you may need less than you fear. For most people, it will certainly be less … Read more
There are different types of super contributions and different limits for how much you can contribute. Here’s a quick breakdown. Generally, your super savings will build up over the course of your working life as money from your employment income is put into super by yourself, or by your employer under the super guarantee (SG), if you’re … Read more
With money becoming tighter as inflation rises, many people are looking to make some extra income from a ‘side hustle’. As we move towards a cashless society and transact more online, it’s becoming easier for the ATO to follow the money trail. Whether you rent your caravan on Camplify, or even if you simply sell … Read more
Rising inflation brings about concern for many, but Vanguard’s time-tested investment philosophy—and a long-term focus—can help any investor navigate choppy waters. What is inflation? Inflation happens when prices rise and purchasing power decreases. This can be the result of a simultaneous high demand for and low supply of goods and services. Consumers have money and … Read more
If you’re looking at retiring in the near future, your savings will soon turn into an income stream. So the more you’ve saved, the better. Here are some ways you could top up your retirement savings before you retire. 1. Make the most of after-tax contributions Making personal contributions to your super from your after-tax money … Read more
With interest rates on the rise and investment returns increasingly volatile, Australians with cash to spare may be wondering how to make the most of it. If you have a mortgage, should you make extra repayments or would you be better off in the long run boosting your super? The answer is, it depends. Your … Read more
Until 1 July 2022, if you were aged 67 to 74 and wanted to make voluntary super contribution, you had to meet a work test or get a work test exemption. Under the new rules, individuals under 75 years of age can make or receive personal and salary sacrifice contributions without meeting a work test … Read more
Given the inherent volatility of security prices in capital markets, it is useful to remind ourselves of strategies that investors can utilise to meet their investment goals. This is important when constructing and positioning a diversified portfolio of assets, a challenge that most financial advisers face daily. Reminding ourselves of the fundamentals of portfolio construction … Read more
