Blog Articles
Preparing for retirement in uncertain times
Preparing for retirement in uncertain times As most long-term investors know, investment markets have their ups and downs. The downs are usually associated with periods of uncertainty, perhaps due to political or economic factors, or even natural disasters....
Accelerate your super balance
Accelerate your super balance - salary sacrifice vs personal contributions If you are an employee, there are two ways in which you can optimise the tax-effectiveness of your additional super contributions: opt for a salary sacrifice arrangement, whereby your employer...
Don’t ignore the third stage of retirement planning
Don’t ignore the third stage of retirement planning The Golden Years… a time of leisure, travel and more time with the grandchildren. This is likely what springs to mind when someone mentions the retirement phase of our lives. However, did you know that your...
Should you downsize to upsize your retirement?
Should you downsize to upsize your retirement? To downsize or not to downsize is the question facing many home-owning Australians in the lead up to or in their retirement years. And the answer is… it depends. There are many factors to consider when weighing up the...
Six Retirement Wrongs to Avoid
Six Retirement Wrongs to Avoid While retirement should be the best years of your life, many Australians make simple, avoidable mistakes with their finances that can leave them dependent on the age pension and without the funds to really enjoy life. However, with some...
Three Steps to Prepare your Children for Financial Success
Three Steps to Prepare your Children for Financial Success For many of us, our first experience of banking and savings was the school Savings Account Program. But in 2019 the Australian Securities and Investments Commission (ASIC) raised concerns that these accounts...
Keeping up with the Joneses: Avoiding Bad Habits
Keeping up with the Joneses: Avoiding Bad Habits There’s a quote that says, “Money can’t buy you happiness, but it can buy you a yacht big enough to pull up right alongside it”. True if you’ve got that sort of money. For the rest of us, our spending is usually...
Who Gets Your Super?
Who decides what happens to your superannuation savings when you die?You may think that you do, but that isn’t always the case. The ultimate decision may be made by someone you don’t even know – the trustee of your superannuation fund. Let’s look at how you can have...
Understanding your Superannuation Investment Strategy
From time to time, market movements may cause your super balance to fall. While this can be alarming, you'll find that it usually recovers in due course. However, if you feel like you need to make some adjustments to your super, here are four things to think about...