Can we expect the RBA to cut back rates this summer?
With just one RBA rate decision left for 2024, homeowners may be holding onto hopes of a summer cut. We look at when rates may start falling – and how you could possibly give yourself a rate cut before Christmas
Helping the kids without derailing your retirement plans
As parents, the instinct to support our children never truly fades, even when they become adults but when you are looking at giving them a financial helping hand there is a bit to consider.
It’s important to ensure any support you provide is not at the expense of your financial future. It can also be tricky knowing what form your support should take, in order to maximise the benefits for your kids.
Super vs property: what works for retirement income?
There is no debate that Australians love investing in property. The value of Australian residential real estate at the end of August 2024 was an estimated $10.95 trillion.i
Some love it so much that they believe property is a better option for providing a retirement income.
Is a retirement village right for you?
The retirement living sector is growing rapidly in Australia as the population ages and demand increases for a spot in a retirement village.
For many people, the idea of having someone on site to help with property and garden maintenance is enough for them to make what can be a major change later in life.
The lost super pile keeps growing
When it comes to accumulated retirement savings, many Australians have a strong fear of running out of money before they die.
Vanguard’s 2024 How Australia Retires research released in June found that almost one in two Australians do not know whether their money will last them in retirement.
New increased super contribution caps
As the end of financial year gets closer, some investors are thinking about the most effective ways to boost their super balance, particularly with an increase in the caps on contributions from 1 July.
An easy guide to aged care fees
Confused about aged care fees and what it all means? You are not alone. In this article we simplify the basics of aged care fees for you.
If you, or someone you love, need to make a move into residential aged care, understanding the fees and getting a clear picture of what it will cost is not easy.
Why offset accounts are hitting new highs
Spare cash can be tight right now (cost of living crunch, anyone?). But if you’ve still got some savings plus a home loan, there’s a way you could make your surplus funds work harder.
Ever heard of an offset account?
Understanding the new $3m super tax
The much-debated tax on superannuation balances over $3 million is inching closer and those who may be affected should ensure they have considered the implications.
Insurance is a sound investment
Risk is not just associated with investing though - life can throw a curve ball or two and insurance is one way to manage risk in a broader context.
It’s a matter of weighing up your risks and thinking about what you would do if the worst happened.
Evidence-based ways to hold back the hands of time
You can’t stop the clock, so the saying goes, but humanity has spent a long time trying to slow down or even reverse the effects of aging.
Even today it can be hard to distinguish those measures that work from those that may not work and avoid those that may be downright dangerous!
Superannuation and relationship breakdown
If your relationship with your spouse ends, you should be aware of what can happen to the super entitlements of you both.
The Family Court and super-splitting laws generally enable super interests (accounts in super funds) or super payments (pensions or annuities) to be split by agreement or court order if a relationship breaks down.
Australians need help on how to manage huge wealth transfer
Most Australians want to share their wealth with the next generation but are unsure how to transfer that wealth and need help to plan for an effective transfer. Financial advisers are well-placed to meet those needs, according to the findings of a new report from Fidelity International and independent research firm, MYMAVINS.
How to increase your IQ for later in life
According to Dr Vincent Candrawinata, a respected food scientist, clinical nutritionist and health researcher, many different factors influence your intelligence quotient or ‘IQ’ as you age, such as diet, genetics, upbringing, lifestyle and education.
Occupational burnout in the workforce
In today’s fast-paced business landscape, the wellbeing of your employees is paramount.
As a business owner or manager, you've likely heard the term “occupational burnout” thrown around, but do you truly understand its implications and how to prevent it in your workforce?
Superannuation scams
If someone offers to withdraw your super or move it to a self-managed super fund (SMSF) so you can get the money, it could be a scam. Learn how to spot the signs of a super scam and what you can do to protect yourself.
Manage the cost of living
Here are some quick ways to reduce your living costs. Having a money plan helps you stay on top of your spending and bills. There's also free support and services to go to if you're feeling overwhelmed.
Sending money overseas
Look for a good currency exchange rate and check the fees when sending money overseas. A small difference can mean more money gets to your family or friend.
Switching home loans
Refinancing your home loan to take advantage of a lower interest rate might save you money. Before you switch, make sure the benefits outweigh the costs.
“Leandro’s Money Matters” - Aspire Planning’s new Webinar Series
Our team at Aspire Planning is thrilled to announce the launch of our exciting new webinar series, "Leandro's Money Matters."
As dedicated financial advisers, we understand the importance of staying informed and empowered when it comes to managing your finances.