Will cash remain king?
Cash has been one of the best performing defensive assets over the past three years. When compared with global bonds (a riskier asset class), a typical portfolio of term deposits …
Why it’s time to consider currency hedging your portfolio
With the Australian dollar trading below long-term averages and expected to rise as the US dollar peaks, it’s time to think about protecting overseas investments with hedging. The following are …
What is risk appetite?
Risk is about tolerating the potential for losses. Understanding your risk appetite allows you to make well informed decisions about your money. For some people, risk means excitement and opportunity. …
Seven lasting impacts from the COVID pandemic
Key points Seven key lasting impacts from the Coronavirus pandemic are: “bigger” government; tighter labour markets; reduced globalisation and increased geopolitical tensions; higher inflation; worse housing affordability; working from home; …
Outliving your savings
While living a long and healthy life is a goal for most of us, it does raise a valid question. Is there a chance that you could outlive your savings? …
Navigating the high cost of living in Australia
In this article we look at some of the ways you can better manage the high cost of living by investing, increasing your income or reducing expenses. Key takeaways Investing …
Getting your insurance cover right
Let’s run through some things to keep in mind to decide what level and type of cover you need. Finding your insurance sweet spot It can take days – and …
A breakup is super hard – and can be hard on your super
Love song dedications are out the window and you’re wondering how you’ll move forward, not to mention divide your money, possessions and debts. But what about what you’ve saved in …
Reducing risk in retirement
We all think things will turn out better for ‘us’ than ‘them’. Such optimism can serve us well in life, but when it comes to money, balancing bias with facts …
Maximising wealth together: Super contributions for your spouse
Maximising super contributions for your spouse is a smart financial move that can benefit both your partner and your family’s long-term financial security. By actively contributing to your spouse’s super …
How first home buyers accessed $415m under the First Home Super Saver Scheme
Did you know, you could take advantage of potential tax benefits inside super to save for your first home? It’s been called the Australian Dream by many – owning a …
Five rules of money management
No matter your income level or financial goals, everyone can benefit from developing strong money management skills. Here are five rules of money management that can help build a solid …
Five lessons learned in 2023
Interest rate cycles can be different Students of economics are taught that monetary policy works with long and variable lags, up to 12-18 months. We had assumed that in the …
Changes to tax cuts from 1 July
The Government has passed legislation to amend the tax cuts which apply from 1 July this year. The changes are explained below, along with some things you may wish to …
What to do if you’re 55 and have no retirement plan
Key takeaways Strategies for fast tracking your retirement savings nest egg, such as debt elimination, additional super contributions and targeted investing. How part-time work and delaying receipt of the Age …
The money conversations you need to have
Although it can feel uncomfortable, talking about money is a good thing. Get some help from the experts to start positive conversations and keep things on track. Making money talk …
Make your money work harder – pitfalls to avoid
If there’s one rule of thumb for investors to bear in mind, it’s that “if it looks too good to be true, it probably is”. Be aware The expression “a …
A guide to SMSF insurance and estate planning
Making a decision about life insurance is an essential part of your self managed super fund’s investment strategy and can provide a valuable benefit for members. Do your members need …
Want to earn more and keep your Age Pension?
Many people continue, or even start, working once they’ve reached Age Pension age. This may be for social reasons, personal fulfilment or to maintain their standard of living. With the …
Mortgage vs super: where should I put my extra money?
It’s a dilemma many of us face – are we better off directing extra money to our mortgage or super? As with most financial decisions, it’s not a one size …