Strategies for long-term investing
Given the inherent volatility of security prices in capital markets, it is useful to remind ourselves of strategies that investors can utilise to meet their investment goals.
This is important when constructing and positioning a diversified portfolio of assets, a challenge that most financial advisers face daily.
Saving for education
Education is the gift that keeps on giving. If you are considering a private school this article is for you as we discuss how to save for your child's education.
The seven types of ‘busy’ that hold you back from success
Frustrated with your current rate of progress? Here are seven types of busy that could be holding you up, plus tips on how to overcome them. Which one are you?
Buy or rent your room in Aged Care
Think you can’t afford aged care? Advice on your options can help to understand what is affordable and how to best structure your finances.
When you move into residential aged care, the room price might be quoted as a lump sum, but you will have the choice to pay for your room as a lump sum or a daily fee or a combination.
Do you have an Aged Care plan in place?
We plan ahead for many aspects of our lives, but few people plan for future aged care needs. Now is the time to change that trend.
The truth is, most of us avoid thinking about our own future aged care needs, delaying our decisions until perhaps they’re taken out of our hands.
Federal Budget 2022-23: From a tax perspective
For once, tax measures took a back seat in a Federal Budget, with the second version for this year being billed as a “solid and sensible Budget suited to the times”.
How to spot and stop financial abuse
Until recently, financial abuse was often kept secret, especially where it occurred within the family. Thankfully that’s changing with public awareness campaigns and help becoming more readily available.
Catching the kindness bug
Australians have seen more than their share of tough times over the past few years and there are many stories of how individuals and communities responded to natural disasters and the pandemic with empathy and valuable assistance.
Getting the balance right in decision making
We all approach decision making in our own way, making a multitude of decisions every day: ‘Should I hit snooze again on the alarm?,’ 'Do I take the train to work, or do I drive,’ ‘What should we have for dinner?’
Guide to concession cards for seniors
The excitement of heading towards retirement and a new stage of life can be tinged with concern over how to manage finances. For many people, seniors’ concession cards are a good way to help make ends meet.
Mortgage vs super
With interest rates on the rise and investment returns increasingly volatile, Australians with cash to spare may be wondering how to make the most of it. If you have a mortgage, should you make extra repayments or would you be better off in the long run boosting your super?
Wills and powers of attorney
A good estate plan will help make sure your wishes are carried out when you die. It can also help if you become unable to make your own decisions.
A retirement plan built to last
Staying the course, and not being distracted by short-term market events, is just as important in retirement as it is at any other time.
Retiring from work shouldn’t necessarily equate to retiring from managing your investment portfolio.
Understanding capital gains tax
A capital gain or loss is the difference between what you paid for an asset and what you sold it for. This takes into account any incidental costs on the purchase and sale. So, if you sell an asset for more than you paid for it, that’s a capital gain. And if you sell it for less, that is considered a capital loss.
Digital and skills tax incentives return
The Government has opened submissions for a 120 percent deduction for tech and training investment, bringing previous Federal Budget announcements one step closer to becoming reality.
Is now a good time to buy?
Recent back-to-back interest rate hikes have led to a cooling of the property market, and with more rate rises predicted, you may feel like pumping the brakes on purchasing. But could the current climate offer opportunities?
Preparing your kids for financial success
Teaching good financial habits, such as saving and budgeting, is one of the best ways to prepare children to have a secure financial future. Helping kids establish sound money management skills and strong financial acumen is important, regardless of wealth level.
Discover the real cost of selling your property
Marketing campaigns, agent commission, taxes... there's a lot to consider when it comes to the cost of selling your home. We've laid out the main expenses for you, so you can stay on track, and on budget.
Interest rates and investing
What are interest rates?
The interest rate is the amount a borrower pays for borrowing money from a lender, which is why it's often referred to as the cost of borrowing.
Do you need a means-test assessment?
When moving into aged care you may be asked to disclose your financial details so that a means-tested fee can be calculated. But do you need to disclose?