Where does all my money go? Save money on your three biggest expenses
The three biggest drains on our money are paying for housing, food and transport; and there’s no getting away from the fact that it is unlikely we can live without …
Kalpa Wealth Management
What to consider when choosing an investment option?
Choose investments that are right for you. When it comes to choosing an investment option when you join a super fund, there are several key questions you should ask yourself: …
Getting smart about savings
Saving money doesn’t come naturally to everyone. Some people are wired to save – for others it takes a bit more discipline; but developing good savings habits can do so …
Avoid the superannuation death tax
While there has not officially been any death duties in Australia for decades, they definitely still exist, albeit under another name – superannuation death benefit taxes. As superannuation assets and …
US banks, inflation, interest rates and recession risk – what it means for investors
Key points US regional bank failures have added to uncertainty about the investment outlook flowing from inflation and rate hikes. Specific issues with the failed banks and action to protect …
How do share markets work?
There are many asset classes you can invest in and shares are just one type that you might find in an investment portfolio. But what are shares and how do …
Building an emergency savings fund
With the number of unpredictable events that have happened in the past few years, from COVID to inflation, being financially prepared for a crisis has never been more important. If …
What’s super and how does it work?
A helpful guide to understanding the basics of super. Superannuation, commonly known as ‘super’, is money set aside while you’re working so you’ll have money for retirement. Your money is …
What are some ways to invest $10k
Save it. Invest it. Pay down debt. When it comes to deciding how to invest $10k, there are plenty of options to consider. Whether you’ve won the lottery or received …
What are asset portfolios?
Building your wealth for the long term starts with a sound investment strategy; but with so many options outside your superannuation fund, from bonds to managed funds, where should you …
What are asset portfolios?
Building your wealth for the long term starts with a sound investment strategy; but with so many options outside your superannuation fund, from bonds to managed funds, where should you …
Buying an investment property
Is an investment property the right choice for you in retirement? What you need to know about buying an investment property Buying a rental property is a very popular investment …
Why investing for retirement is different
When you’re still employed and earning a salary, there’s money coming in you can rely on. In retirement, in the absence of a regular salary you’ll need to find a …
Ways to expand SMSF investment horizons
The mix of investments that is right for an SMSF will depend on very personal factors, including SMSF members’ age, lifestyle, attitude to risk and personal goals. And it’s not …
Investing in investment bonds
Investment bonds are long term investments that may offer tax efficiency to investors on a high marginal tax rate and those investing for children or grandchildren. Unlike traditional investment products, …
Five long term global trends and implications for markets
This article looks at some longer term structural trends in the economy and their impact on economic growth and investments. A decline in routine based jobs Fear of technology replacing …
Economic update February 2023
Risk assets performed strongly in January, following further indications that inflation may have peaked in key regions. Global economic growth forecasts were lowered by both the World Bank and the …
Understanding reverse mortgages
Reverse mortgages are home mortgages that work in the opposite way to a normal home mortgage. Instead of interest and capital being repaid over a fixed term, there are no …
How to deal with rising inflation
Between March 2021-22, inflation in Australia rose by 5.1%. Meanwhile, wages only rose by 2.4%1. With the bare essentials becoming – well, expensive, it’s not surprising that many people are …
Are you on track with your finances?
When it comes to life stages, we’re all different. Some of us are all set up with a mortgage, a steady career and possibly even kids in our mid-20s, while …