First Home Guarantee Scheme: how does it work?
You may be eligible to purchase your first home with as little as 5% deposit via the First Home Guarantee Scheme. Here’s how it works. First Home Guarantee Scheme: financial …
Kalpa Wealth Management
Financial tips when starting a new job
Whether you’re starting work for the first time or you’re changing jobs, there are key things to know and do. When negotiating pay for the role, pay close attention to …
Cost of aged care at home
Watching your ageing or frail parents or loved ones struggle with some of life’s basic activities such as cooking, cleaning or caring for themselves can be difficult – and yet …
Side hustle ideas
The rising cost of living is causing a strain on household budgets for many Australians. As a result, more are turning to side hustles and passive income opportunities to supplement …
Misconceptions about super and taxes
Many people have a good idea of what super is and how much of their money goes into it. But there are some gaps when it comes to the basics, …
Keeping your physical and mental wellbeing in retirement
Preparing yourself for retirement Retirement can cause a range of emotions so it’s important to prepare yourself emotionally as well as financially. Here’s some tips to improve health and wellbeing …
Investing for property profit
When property prices are rising, renovating for a quick return is a popular investment strategy. But when markets are sluggish, improving a property before ‘flipping’ it, can also generate profits …
How to get your will sorted
Making a will is an important way to help ensure that your wishes are respected and your loved ones are taken care of if you pass away. A will is …
The impact of lifestyle on life insurance premiums
Life insurance premiums are calculated based on a number of factors, such as your age, gender, health at the time of application, smoking status, occupation, lifestyle and hobbies. Your health …
Pulse checking your finances
Your financial health is key to the health of your wellbeing, relationships, work and home life. It’s important to have a regular checkup of your financial position to ensure you’re …
Grow your retirement income
In retirement, every dollar counts and it is worth exploring different strategies to grow your retirement income. Here’s how do it… Use your super wisely If you’re about to retire …
Pros and cons of Self Managed Super Funds (SMSFs)
While self managed super funds are not for everyone, they do offer significant benefits. Running an SMSF successfully requires investment, legal, super and admin skills – or the ability to …
Nine bad habits of ineffective investors: common mistakes investors make
Introduction In the confusing and often seemingly illogical world of investing, investors often make various mistakes that keep them from reaching their financial goals. This note takes a look at …
AI and bank shares push super balances higher in 2024
Superannuation funds have recorded another impressive year of returns for members with international technology and Australian banking shares driving above average returns over 2024. Concerns over inflation caused a slow …
What is a distribution?
A managed fund generates income from its investments – for example, through share dividends, interest on cash or fixed interest investments in the fund, or any gains made when fund …
How do hedge funds work in a volatile market?
While an exposure to hedge funds can provide a lift to a portfolio’s performance, they also offer the potential to generate high returns… at a risk. What’s a hedge fund …
Ever thought of investing in essential services?
Investing in infrastructure is about investing in the companies that provide essential services to society and earning predictable, reliable returns in the process. More than 350 infrastructure and utility companies …
Economic and market overview November 2024
Investors maintained a healthy risk appetite for much of October, which enabled major share markets to make further progress. Movements in the US set the tone, with the S&P 500 …
As value outperforms again, is your portfolio ready?
As value returns to market favour it’s time to check in on your portfolio – but not all value exposure is created equal. A notable comeback in value stocks over …
Five signs you may need a financial adviser
You don’t have time When you’re juggling your job with your personal and family life, it can be challenging to carve out time in your schedule to really sit down …