The foundations of successful investing Establishing an investment portfolio can be likened to building a home. The most destructive, yet unpredictable predator to the structure of a home is the weather. Even in these most technically advanced days, we are still unable to accurately predict the weather. And so too, […]
Discovering Your Financial Mindset: The Key to Unlocking Financial Success In the quest for financial stability and success, we often focus on tangible elements like earning more money, saving diligently, or investing wisely. But have you ever stopped to consider the role your financial mindset plays in achieving your financial […]
Salary sacrifice vs personal contributions to super If you are an employee, there are two ways in which you can optimise the tax-effectiveness of your additional super contributions: opt for a salary sacrifice arrangement, whereby your employer makes additional superannuation contributions beyond the compulsory superannuation guarantee (SG) amount from your […]
SMSF – The next Gen While self-managed super funds have long been the preserve of older Australians with time on their hands and large superannuation balances, new data suggests that younger Australians are increasingly choosing to take direct control of their superannuation savings. According to the Self-managed Super Fund Quarterly […]
The impact of Interest Rates on managing Debt Credit cards, personal loans, and mortgages. While it can be easy to pick up debt as you go through life, changing interest rates, workplace interruptions and other life changes, can make it much, much harder to repay that debt. A few simple […]
How to avoid property investment failure There is an old saying that no investment is as safe as a bricks and mortar investment, but is that really the case or is it something that we just like to believe, spurred on by what appears to be the never-ending increase in […]
What you need to know about sustainable investing As daily conversation in Australia is increasingly dominated by concerns about the environment and global warming, more and more investors are looking at how they can make a difference and choose sustainable or ethical investments as part of their portfolio mix. So […]
A different way to help the grandkids Many grandparents want to give their grandchildren a head start in life, and a common way to do so is to help by paying some (or all) of their school fees. This can, of course, simply be done by making a contribution at […]
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 […]
The unmatched value of financial advisers in the AI age Digital advice is a hot topic at the moment, bringing with it the debate around human financial advisers potentially being replaced by ‘robo-advisers’. A client James, called into my office last week, explaining that his daughter was using an Artificial […]