The advantages of investing early
You may have heard it said, "No risk, no reward." But did you know that time can actually decrease your risk while increasing your reward?
Celebrating the festive season, the Aussie way
If you’ve ever hosted a visitor from overseas at during the festive season you may have seen them a little bemused by the way we celebrate. It’s quite understandable as we do things a little bit differently down under.
Buying shares for kids: a gift that keeps on giving
Many parents and grandparents worry about how to help the children in their lives achieve financial independence. But the value of long-term investment can seem like a dry and complicated idea for kids to get their heads around.
Busted! Scam myths
We're serving up the truth about some common scam myths that you might have heard, especially around tax time.
Inflation - what to know and what to do
Rising inflation brings about concern for many, but Vanguard's time-tested investment philosophy—and a long-term focus—can help any investor navigate choppy waters.
Investors & recessions
Despite much talk of rising interest rates and possible recession, here are a few reasons to stay the course and stick to your long-term investment strategy.
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.