How to manage lower investment returns as you get closer to retirement A period of low investment returns can happen when you least expect it, and at a time when it is most difficult to deal with. One of the more challenging times is when you are approaching retirement, when […]
Are You and Your Partner Money Compatible? Money can be one of the biggest sources of tension in a relationship. One person might want to save every dollar, while the other believes you work hard to enjoy your money. Neither approach is necessarily right or wrong. But when two people […]
…love budgeting! I wouldn’t be scared of the ‘B word’ – budgeting. In fact, I’d make a bit of a game of it, tracking where my money was coming from and cracking the mystery of where it was going. There might not be much I could do about my income, so I’d focus on the spending side; […]
Financial planning for digital nomads and remote workers Conventional employees can usually plan for their financial future knowing that certain fundamental parameters will not change: their regular income, their Australian tax residency, their banking arrangements, their superannuation contributions and their insurance needs. But for digital nomads and remote workers, the picture is completely […]
Financial advice – it’s not just for the young Sandra had only a couple of years of work left when she realised that she hadn’t the first idea what to do with her super when she retired. She’d always looked forward to retirement, but as the big six-oh approached, things were getting real, and she […]
The essential ingredient of a financial plan Here’s a recipe for a basic financial plan: Take one or more income sources and pour into a big pot. Add appropriate amounts of life, income protection and permanent disability insurance. Simmer for a few decades while slowly adding superannuation contributions and a […]
The secret to ‘living the dream’ We all, to a greater or lesser extent, have an idea of our dream lifestyle. So how, as a nation, are we faring? To find out, the Financial Planning Association of Australia (FPA) commissioned a survey of more than 2,600 people from around the […]
Unlocking financial secrets for different phases of life One of the keys to financial success is to adopt the right strategy at the right time. As you move through the stages of life here are some tried and tested ‘secrets’ that will help you build and protect your wealth. Teens […]
The essential ingredient of a financial plan Here’s a recipe for a basic financial plan: Take one or more income sources and pour into a big pot. Add appropriate amounts of life, income protection and permanent disability insurance. Simmer for a few decades while slowly adding superannuation contributions and a […]
Don’t lose your home! Alternative ways to pay for aged care Anyone who has helped an elderly relative make the move into aged care knows that it can be a traumatic experience. It involves a move from the familiar – a home that a loved one may have lived in […]