Christmas on credit Christmas is a time of giving and receiving, but as we approach this most dangerous time of the year for credit cards we’d like to give you a quick refresher on the best ways to use your plastic so you don’t end up with a Christmas hangover […]
Giving the gift of investing Did you have a savings account when you were young? It wasn’t uncommon and those old Passbook accounts funded many a first car. Now you’re a parent, are you thinking of opening an account for your kids? Record low interest rates have taken some of […]
Being sensible with Buy Now Pay Later this silly season Move over debit and credit cards; consumers are flocking to Buy Now Pay Later (BNPL) services. Afterpay, Zip Pay and several similar payment solutions allow shoppers to take home their goodies now while paying them off via a few weekly, […]
Frequently asked questions about super If the ins and outs of superannuation leave you confused, the answers to these frequently asked questions will help you understand the basics. How much do I need to retire? According to the Association of Superannuation Funds of Australia (ASFA), a couple requires savings of […]
Unlocking the mysteries of your super statement Superannuation statements. Boring, right? But if, like many people, you toss your annual super statement in a drawer or hit delete, you could be depriving yourself of many thousands of dollars just when you need it. So it’s worth the small effort to […]
Six retirement wrongs that could send you broke! While retirement should be the best years of your life, many Australians make simple, avoidable mistakes with their finances that can leave them dependent on the age pension and without the funds to really enjoy life. However, with some simple good advice […]
Why financial advice may be your best investment It is commonly assumed that seeking financial advice is for the wealthy, and it only helps the rich become richer, yet financial advice can prove useful to anyone who wishes to better their financial future. Financial advice is like getting a health […]
Don’t ignore the third stage of retirement planning The Golden Years… a time of leisure, travel and more time with the grandchildren. This is likely what springs to mind when someone mentions the retirement phase of our lives. However, did you know that your retirement years are typically split into […]
You can borrow within your SMSF… but is it a good idea? Investing in property seems part of every Australian’s DNA. No matter where you buy, prices appear to be on a permanent skyward march with none of the unnerving fluctuations seen in other investments, such as the share market. […]
When an SMSF may be the wrong idea With the growing popularity of SMSFs, this article looks in the other direction and explores the reasons why establishing a SMSF may not be the best idea. Since the Australian Government introduced compulsory employer contributions to people’s superannuation funds in 1992, Australia’s […]