× Home Modules Articles Videos Life Events Calculators Quiz Jargon Login
☰ Menu
Tags: Debt  Estate Planning  Insurance  Investments  Superannuation  Tax  Show All   
Five things to consider when planning for your estate 

It's a sad but unavoidable fact that one day, we are all going to die. You will most likely have clear ideas about how you would like your hard-earned wealth – your 'estate' – to be divided amongst your loved ones or other beneficiaries. However, estate planning is a complex area of law, and basic mistakes can see Wills declared invalid, money end up with unintended recipients, or benefits reduced by avoidable tax bills. So how can you avoid making some of these mistakes?

Weekly market update - 20th of September 2021

The latest news and information on the economy and financial markets

TPD insurance: Core & supplementary provisions

There can be many benefits to holding TPD insurance. In this article, we discuss several supplementary provisions contained within some TPD insurance policies focused on enhanced coverage.

Invalid wills, passing away intestate, and intestacy rules – Part 2

One of the most important things we can do prior to our passing is ensure we have a valid will in place. In this article, we provide an update on various intestacy rules that exist in Australia.

Growing your super: Government super contributions

For some of us, it can be challenging to grow our super. In this article, we briefly discuss several Government super contribution measures, which may help those eligible to grow their super for retirement.

Vanessa Stoykov: How to improve your finances by thinking

Vanessa Stoykov is a renowned Australian money educator. In this special financial education piece, Vanessa discusses limiting thoughts and beliefs, and how to change your mindset for the better.

Weekly market update - 13th of September 2021

The latest news and information on the economy and financial markets

The four themes of the ASX full year earnings season 2021

Four themes characterised full-year earnings season 2021 and will set the tone for how the market trades from here, says Pendal’s head of equities Crispin Murray.

Financial planner or Financial counsellor ?

Are you confused about the contrasting roles a financial planner and a financial counsellor play in providing advice? Using a descriptive case study, this article explains the differences between the two professions and how each can provide valuable assistance in a range of financial situations.

Weekly market update - 6th of September 2021

The latest news and information on the economy and financial markets

Managing the largest movement of wealth in our history

With a massive $3.5 trillion dollars expected to be inherited by Australians over the next 20 years, understanding how to manage these funds will be crucial for the average Australian. This article discusses tax and Centrelink implications of receiving an inheritance, the use of superannuation and family trusts, and highlights the importance of seeking advice both before and after receiving an inheritance.

Weekly market update - 30th of August 2021

The latest news and information on the economy and financial markets

Making sense of inflation headlines

Inflation, for so long a low priority concern for investors. It came storming back into the headlines recently with news that Australian consumer prices had risen at their fastest annual pace in almost 13 years. What are we to make of this? By Jim Parker Vice President Dimensional

Picking the best performing asset class

When deciding where to invest, it’s important to understand that the best and worst-performing asset classes will often vary year to year. This reiterates the importance of diversifying across multiple asset classes to help smooth out returns, maintaining an investment strategy and focusing on the long term.

Weekly market update - 24th of August 2021

The latest news and information on the economy and financial markets

Weekly market update - 17th of August 2021

The latest news and information on the economy and financial markets

Financial markets month in review

The Month in Review report provides market news for each key asset class.

Australian and global economic month in review

The Month in Review report provides economic commentary with Australian and global economic summaries.

Retirement living: How much is enough? (It depends)

The Association of Superannuation Funds of Australia (ASFA) provides a regularly updated guide as to what it may cost to fund your retirement in the post-work years, depending on your age, marital status and lifestyle. We drill further down into the detail and provide some useful insights.

Vanessa Stoykov: 3 ways to get your partner on board with money plans

Vanessa Stoykov is a renowned Australian money educator. In this special financial education piece, Vanessa discusses several ways you and your partner can get on the same page when it comes to money.

Staying alert: The different types of scams

In the 2020 calendar year, the total reported losses from scams was over $175 million (an over $32 million increase compared to 2019). In this article, we cover several of the different types of scams.

Tax deductions for the financial year ahead

When it comes to deductions, it’s vital to understand what you can (and can’t) claim and the appropriate evidence needed to claim. In this article, we explore deductions for the financial year ahead.

Tips for reviewing annual super statements

Your retirement income (and outcome) can be intrinsically linked to your accumulation, and use, of wealth inside super. In this article, we provide tips on reviewing your annual super statement.

Weekly market update - 9th of August 2021

The latest news and information on the economy and financial markets

Weekly market update - 3rd of August 2021

The latest news and information on the economy and financial markets

Weekly market update - 26th of July 2021

The latest news and information on the economy and financial markets

Weekly market update - 20th of July 2021

The latest news and information on the economy and financial markets

Vanessa Stoykov: 3 things you need to get a life plan that works

Vanessa Stoykov is a renowned Australian money educator. In this special financial education piece, Vanessa discusses the concept of life planning and money—and being the author of your own story.

Update: ‘Your Future, Your Super’ legislation

Super is, without a doubt, complex and ever-changing. In this article, we share an important change to super following the recent passing of the ‘Your Future, Your Super’ legislation.

Personal finances: Taking stock & making changes

A new financial year can be an opportune time to take stock of your overall personal finances and make changes if needed. In this article, we provide a list of questions that may help you with this.

1 July 2021: New rates, thresholds, & legislation

The commencement of a new financial year can see rates and thresholds increase (or decrease) and legislation take effect. In this article, we provide important information on changes from 1 July 2021.

Developments in the global economy - June 2021

June started with the continuing outbreak of COVID-19 in Melbourne and by the end of the month, Sydney was feeling the full force of the Delta variant. The resulting three-week lockdown has seen considerable pressure being placed on the domestic economy. Whilst the RBA stayed firm on its 0.10% cash rate at its June 1 meeting, industry consensus is leaning further towards a pre-2024 rate hike, despite what has been indicated by the RBA. Neighbouring China will allow couples to have a third child to combat a falling birth rate, whilst in Europe consumer confidence rose from -5.1 to -3.3 in June, representing a return to pre-pandemic levels. Global COVID-19 vaccinations reached 2 billion doses early in the month.

Developments in financial markets - June 2021

In almost a complete turn-around to what markets experienced across the last financial year, we saw a tale of two halves being negative returns in the first half of the year and positives in the second half. This year, with the environment of both supportive monetary (interest rate) and fiscal (government spending) policies, all major listed asset classes delivered strong returns. Albeit in the face of volatility driven by headwinds from fears of rising inflation, the pace of vaccine roll-outs, and uncertainty as to what the new global economy will look like.

Weekly market update - 13th of July 2021

The latest news and information on the economy and financial markets

Economic update - June 2021

With unemployment rates decreasing, housing prices rising and the share market performing strongly, the last quarter has been very positive for the economy and investors alike. In this article, we summarise the key standouts from the April to June 2021 quarter.

How an increase in super may result in a pay cut

Superannuation guarantee (SG) rates will increase from 1 July 2021. While this is good news for our retirement nest eggs, some employees may feel the impact with a deduction to their take-home pay. This article explains the SG rate changes, salary differences, and options available to those who are affected by a deduction to their wage.

Weekly market update - 5th of July 2021

The latest news and information on the economy and financial markets

Weekly market update - 28th of March 2021

The latest news and information on the economy and financial markets

Financial market update - June 2021

This article is a market summary covering the performance and current themes in the traditional asset classes shares, property and bonds.

Weekly market update - 21st of June 2021

The latest news and information on the economy and financial markets

The rise of paid subscription services

An estimated collective total of $3.9 billion per year is spent on avoidable paid subscription services by Australian households. In this article, we explore spending and paid subscription services.

A snapshot overview of personal insurances

Personal insurances can be a key consideration when it comes to wealth accumulation and related health (and financial) risk management strategies. In this article, we summarise the main insurances.

Contribution eligibility: Age & work test conditions

Accumulating wealth in super takes, among other things, contributions. However, there are limits to this. In this article, we cover contribution eligibility conditions—maximum age and the work test.

Weekly market update - 15th of June 2021

The latest news and information on the economy and financial market

What is the social cost of carbon?

The social cost of carbon (SCC) estimates the future damages from an additional ton of CO2 emissions. The number is crucial for environmental policymaking and was just updated by the new US administration. The estimation of the SCC is sensitive to its inputs, and debate continues in the academic community about its appropriate value. By Mathieu Pellerin, PhD Researcher | Jacobo Rodriguez Head of Research Operations and Vice President Dimensional | Joseph Chi Head of Responsible Investment Dimensional

Connecting the dots: From climate change to economics and investing

By Joseph Chi Head of Responsible Investment Dimensional | Mathieu Pellerin, PhD Researcher | Jacobo Rodriguez Head of Research Operations and Vice President Dimensional

Weekly market update - 8th of June 2021

The latest news and information on the economy and financial markets

The greatest challenges facing future retirees

Will you retire with enough money in your super fund? This article explains the challenges that today’s accumulators face in order to reach their retirement goals. Housing affordability, low interest rates, pandemics, an aging population and pressure on our welfare system are all key points covered in this thought- provoking article.

The tax basics to sharemarket investing

With many new investors moving away from cash investments to seek greater return, investing in shares has become very popular. This article summarises the tax responsibilities of a share investor and highlights some of the risks.

Weekly market update - 31st of May 2021

The latest news and information on the economy and financial markets

Weekly market update - 24th of May 2021

The latest news and information on the economy and financial markets

11 key tax facts about superannuation

From a wealth accumulation and cash flow generation perspective, super is widely considered one of the most tax-effective investment structures. In this article, we cover 11 key tax facts about super.

Financial wellbeing: Financial literacy quiz

When it comes to achieving financial wellbeing, financial literacy plays a key role. In this article, we have put together a quiz to test your knowledge across various areas of your personal finances.

EOFY planning for the 2020-21 financial year

With 30 June coming up, please consider putting aside time to review your personal finances—and take action, prior to this date, if appropriate. In this article, we provide EOFY planning tips.

Weekly market update - 17th of May 2021

The latest news and information on the economy and financial markets

2021 Budget: The ‘Securing Australia’s Recovery’ proposed measures

Treasurer Josh Frydenberg delivered the 2021-22 Federal Budget on 11 May 2021. We provide an overview of several key proposed policy measures that may be relevant to you.

Weekly market update - 10th of May 2021

The latest news and information on the economy and financial markets

Weekly market update - 3rd of May 2021

The latest news and information on the economy and financial markets

5 secrets to share selection

With many Australian’s turning to growth assets in order to chase better returns than those offered by the banks, this article identifies five ‘secrets’ to share selection for those investors looking to gain exposure into the share market.

Weekly market update - 26th of April 2021

We continue to see the divergence in Covid cases between developed and emerging markets as a key issue for markets following a relatively quiet news week in Australia and the US. This could potentially lead to a constrained re-opening, negatively affecting the outlook for global cyclical companies.

The economic impact of vaccines

The latest insight into COVID and the vaccines and the economy

Weekly market update - 19th of April 2021

The latest news and information on the economy and financial markets

Building super together: Spouse contributions

According to ASFA, the lump sum savings required at retirement for a comfortable lifestyle is $640,000 for a couple. In this article, we cover building super savings together via spouse contributions.

Update: COVID-19 economic response measures

The JobKeeper Payment program, which began on 1 March 2020, has now ended (on 28 March 2021). In this article, we provide a status update on several of the other COVID-19 economic response measures.

Jargon buster: Property investing edition

In the finance industry, there can be a considerable amount of jargon. In this article, we help you to understand some of the commonly used jargon in the residential property investing environment.

Weekly market update - 13th of April 2021

The latest news and information on the economy and financial markets

Financial market update - April 2021

This article is a market summary covering the performance and current themes in the traditional asset classes shares, property and bonds.

Economic update - April 2021

Here we summarise and highlight the key issues and themes facing the global and Australian economies.

Weekly market update - 6th of April 2021

The latest news and information on the economy and financial markets

Weekly market update - 29th of March 2021

The latest news and information on the economy and financial markets

Placing your family wealth in trust

This article explains how trusts might benefit the creation and preservation of family wealth

How will an inheritance affect your children?

This article focuses on the younger Australians who will inherit wealth via their parents’/grandparents’ super funds and the importance of professional estate planning advice.

Weekly market update - 22nd of March 2021

The latest news and information on the economy and financial markets

TPD insurance: Ownership structures

When establishing an insurance policy, it’s important to choose an appropriate ownership structure. In this article, we cover total and permanent disability (TPD) insurance and ownership structures.

Age Pension entitlement: Eligibility tests

The Age Pension remains is a key source of income for many older Australians in retirement. In this article, we discuss the Age Pension and the eligibility tests that need to be met to qualify for it.

Weekly market update - 15th of March 2021

The latest news and information on the economy and financial markets

Update: Indexation of contributions caps

The contributions caps limit the amount that can be contributed to super. In this article, we provide details on the future indexation of the contributions caps (concessional and non-concessional).

Financial market update - March 2021

Here is a Market 2021 market summary of traditional asset classes shares, property and bonds

Economic news - March 2021

The latest news on the Australian and Global economies

Weekly market update - 10th of March 2021

The latest news and information on the economy and financial markets

Australia’s ranking in the Global Retirement Index

The Global Retirement Index assesses and compares the level of retirement wellbeing and security in different countries around the world. In this article, we explore how Australia ranks.

Weekly market update - 1st of March 2021

The latest news and information on the economy and financial markets

Weekly market update - 22nd of February 2021

The latest news and information on the economy and financial markets

Weekly market update - 15th of February 2021

The latest news and information on the economy and financial markets

Financial market update - February 2021

Here is a summary of how traditional asset classes of shares, property and bonds have fared so far in 2021.

Economic update - February 2021

The latest news on the Australian and Global economies

Personal insurances: Insurance premium styles

A number of variables influence the insurance premiums payable on a personal insurance policy. In this article, we cover one such variable, insurance premium style and the options available.

Individual taxation: Tax offsets (or rebates)

The income you receive will often be assessable for income tax purposes. However, there will also be instances where the tax payable may be reduced. In this article, we discuss several tax offsets.

Update: Indexation of the transfer balance cap

The transfer balance cap limits the amount of super benefits that can be transferred to retirement phase. In this article, we provide information on the future indexation of the transfer balance cap.

Weekly market update - 8th of February 2021

The latest news and information on the economy and financial markets

The US influence on Australian shares

You may have noticed, a down day on Wall St overnight often results in our own stock market in the red the following day. Why is that? This article helps explain the correlation between the US and Australian share markets and how you may better prepare your portfolio during volatility.

Australia's reliance on China

This article discusses Australia’s international trade agreements, with a specific focus on China and the recent friction between the two countries. We detail Australia’s reliance on China, the importance of trade as a whole, potential repercussions of a soured trade relationship and whether Australia should be looking to other markets.

Weekly market update - 1st of February 2021

The latest news and information on the economy and financial markets

Weekly market update - 25th of January 2021

The latest news and information on the economy and financial markets

Weekly market update - 19th of January 2021

The latest news and information on the economy and financial markets

Borrowers: Home loan refinancing (or switching)

There are over 100 lenders in Australia offering a combined total of nearly 4,000 different home loan products. In this article, we provide a general overview of home loan refinancing (or switching).

Investment portfolios and concentration risk

Diversification is a key risk management strategy used when constructing an appropriate investment portfolio. In this article, we provide information on investment portfolios and concentration risk.

Personal finance-related New Year’s resolutions

The making of a resolution can often be sparked post-reflection by our need or want to seek positive change in an area of our life. In this article, we discuss personal finance-related resolutions.

Weekly update - 11th of January 2021

The latest news and information on the economy and financial markets

Financial market and economic update - December 2020

The US election has come and gone (almost) and markets have reacted positively to the likelihood of a Democrat President and a Republican Senate. Overall, we see some positive signs which are generally supportive of risk assets. Risks remain, notably the rising numbers of Covid-19 numbers in Europe, the US and more recently Sydney’s Northern Beaches.

Weekly market update - 21st of November 2020

The latest news and information on the economy and financial markets

Your end of year financial health check 

With the year coming to an end, it’s time to kick-start your personal finances for the year ahead. In this article, we provide you with a financial checklist to help you take stock of your personal circumstances.

Weekly market update - 15th of December 2020

The latest news and information on the economy and financial markets

Underwriting guidelines: Pursuits & pastimes

Many, but not all, pursuits and pastimes are often accepted at standard rates in a formal insurance application. In this article, we provide information on these and other pursuits and pastimes.

Legislative update: Taxation & social security

The Parliament recently debated many important pieces of proposed legislation. In this article, we provide a summary of the main aspects of these now legislated taxation and social security Bills.

Retirement Income Review report: Key findings

Australia’s retirement income system consists of a three-pillar approach. In this article, we highlight the key findings from the Government’s recently released Retirement Income Review final report.

Weekly market update - 7th of December 2020

The latest news and information on the economy and financial markets

Energy Efficiency: Saving Over Summer:

Making your home more energy efficient is a good way to save on bills and reduce environmental impact. Read more about what you can do here.

What is Environmental, Social & Governance (ESG) Investing?

An emerging preference over the last few years has been the desire by some investors to align their investment values with their personal values. In this article, we highlight some of the finer details relating to Environmental, Social and Governance (ESG) investing.

Spotlight on investment risk profiles

Whether you are a wealth accumulator or retiree, determining an appropriate investment risk profile is important. In this article, we discuss the process behind this in further detail.

Your Money Personality influences the car you buy

Your money personality reflects your traits and attitude when making financial decisions. Understanding your decision-making preferences, and gaining an understanding of others, is at the heart of Money Personality

Weekly market update - 30th of November 2020

The latest news and information on the economy and financial markets

Money and love: how to make it work

This article discusses the importance of having clear conversations about money in relationships. It uses a story to paint a scenario of two people with two entirely different money management styles. The article outlines four important points that should be addressed to help manage money issues early in relationships.

Managing Debt

In this article, we look at what constitutes good debt and bad debt, whether to borrow and ways of managing debt.

Weekly market update - 23rd of November 2020

The latest news and information on the economy and financial markets

Managing your eternal life on social media

This article explains how different social media accounts are dealt with after the owner’s death. It encourages making your wishes known now to help family members in the future.

Weekly market update - 16th of November 2020

The latest news and information on the economy and financial markets

Key home loan repayment considerations

A home loan will most likely be the largest, and most time/cashflow-consuming, debt that you’ll pay off in your lifetime. In this article, we provide information on home loan repayment considerations.

Super re-contribution strategy explained

Super benefits may comprise of two components: a tax-free and taxable (taxed element) component. In this article, we discuss a re-contribution strategy—one way to increase the tax-free component.

Taxation update: Personal Income Tax Plan

In the 2020-21 Federal Budget, proposed changes to individual taxation were announced. In this article, we provide an overview of these now legislated changes and what they may mean for you.

What is your concept of retirement?

The concept of retirement has changed dramatically over the generations but there remains one constant for most of us planning the end of our working life – to be able to do what we want when we want. No more alarm clocks, no more commuting and no more demanding bosses!

What does a Biden Harris victory mean for the Australian economy?

A look at the possible economic and market implications of the Biden Harris victory in the 2020 US Presidential Elections.

RBA rate cuts and stimulus

A summary of the RBA's November 2020 record low-interest rate cuts and quantitative easing and what this means for Australia's short to mid-term economic future.

Weekly market update - 9th of November 2020

The latest news and information on the economy and financial markets

Weekly market update - 3rd of November 2020

The latest news and information on the economy and financial markets

Ethical Investing - putting your super where your heart is

Millennials are setting a trend when it comes to having more say on what their super funds are investing in. This article explains what ethical investing is and how to take more control over how your super is invested.

Weekly market update - 26th of October 2020

The latest news and information on the economy and financial markets

Home improvements and overcapitalisation

In 2016, roughly 8.4 million (62%) of Australia’s 13.6 million home-owners did some kind of home improvement. In this article, we provide information on home improvements and overcapitalisation.

The Pharmaceutical Benefits Scheme (PBS)

As at 30 June 2019, there were 900 different medicines in 5,455 brands listed on the Pharmaceutical Benefits Scheme (PBS). In this article, we discuss the PBS, as well as the Pharmaceutical Allowance.

The different types of powers of attorney

A power of attorney is a legal document that gives someone the authority to manage your affairs on your behalf. In this article, we provide an overview of the different types of powers of attorney.

Weekly market update - 19th of October 2020

The latest news and information on the economy and financial markets

Adult kids still at home?

This article discusses the effect of young people staying home longer on parents’ financial planning. It encourages those who are in this position to reflect on their plans.

Weekly market update - 12th of October 2020

The latest news and information on the economy and financial markets

2020 Budget: The ‘COVID-19 Recovery' proposed measures

Treasurer Josh Frydenberg delivered the 2020-21 Federal Budget on 6 October 2020. We provide you with an overview of the main proposed measures that may be relevant to you and your personal finances.

How’s your budget - surplus or deficit?

This article provides some basic guidelines on monitoring spending and reducing unnecessary expenditure.

Weekly market update - 6th of October 2020

The latest news and information on the economy and financial markets

Information that could save a life

This is a very important article that explains the cardiovascular diseases – heart attack, angina and stroke. It may help to save somebody’s life.

Budget 2020

A summary of the key points of the Federal Budget 2020

Weekly market update - 28th of September 2020

The latest news and information on the economy and financial markets

Dealing with divorce financially

Divorce, in most cases, is a stressful experience affecting finances, living arrangements, household jobs, schedules and children. It may also involve issues of spouse and child support, distribution of property and division of debt. This article provides a financial guide in this situation.

Positioning your portfolio in turbulent times

Positioning your portfolio when markets are on the rise is easy, right? Simply load up on growth assets and enjoy the ride? We all know investing isn't that easy. This article identifies a number of key strategies that investors should consider when markets are at their most volatile.

Weekly market update - 21st of September 2020

The latest news and information on the economy and financial markets

Financial market and economic update - September 2020

It has been an interesting month in markets. The S&P 500 Index reached 12-month highs with financial markets brushing off March's COVID-19 panic. There have been many discussions about how only a handful of stocks have driven the sharp rebound. While the current market dynamics are different to that experienced during the tech bubble, there rings a similar theme.

Sit happens

This article is for anyone who sits too much – and that's nearly everyone, especially in our current environment! It discusses the consequences of a sedentary lifestyle while offering suggestions for fitting more incidental movement into each day.

A collection of financial rules of thumb

The pressure that can come with making a financial decision can lead to no decision being made and no action being taken. In this article, we discuss financial rules of thumb (decision shortcuts).

Transition to retirement income streams (TRIS)

A transition to retirement income stream (TRIS), among other things, may help you ease into retirement—reduce your work hours, while maintaining your income level. In this article, we cover TRIS.

Weekly market update - 14th of September 2020

The latest news and information on the economy and financial markets

Living your dream retirement

We all have a vision of our perfect retirement - whether it involves travelling, playing golf every day or spending more time with family and friends. But how much do you need to accumulate to pay for your golden years? We investigate what an average retirement income looks like and how much you might need to save to live your dream retirement.

Weekly market update - 7th of September 2020

The latest news and information on the economy and financial markets

9 ways to manage investment risk

An interesting guide for helping to minimise investment risk. It provides 9 points to help investors understand risk/return.

Laughing your way to good health

A great article reminding us of how happiness affects our health. It comes with a joke to make us smile and remind us how good it is to laugh

When love blossoms later in life…

Falling in love is a wondrous experience, but once the heart flutters have settled a little and two people move towards a more serious relationship, various challenges may need to be addressed. This article identifies some of the financial issues that you may need to consider when starting a new relationship later in life.

Recession 2020

After two consecutive quarters of negative growth this year, the Australian economy is officially in recession, after almost 30 years. This year’s April-June quarter GDP fell by 7% following the 0.3% fall in the January-March quarter. This is the biggest recorded fall in Australian history.

Are you investing or gambling?

Investing in different asset classes such as equities, commodities, and fixed- income assets is a great way to accumulate wealth, but it is important to have a sound investment strategy in place. This article covers five warning signs that you may be gambling instead of investing.

Preparing for retirement in uncertain times

This article describes options for building wealth before retirement, particularly in this volatile economic environment. It starts with the relatively safer but low yielding options then explains three alternatives which may offer potentially higher returns.

Weekly market update - 1st of September 2020

The latest news and information on the economy and financial markets

5 tips to survive a decline in income

Unfortunately, in the current climate, many Australians are experiencing a loss of income and subsequent stress when it comes to covering household expenses. In this article, we provide five tips to help manage your finances if your income has fallen.

Weekly market update - 25th of August 2020

The latest news and information on the economy and financial markets

Reconciling the disconnect

There continues to be a question as to whether markets are reflecting economic reality as they continue their upward trajectory.

The growing popularity of neobanks in Australia

Neobanks are becoming increasingly popular in Australia as people look for different avenues to manage their money. The recent banking royal commission has also seen people look for solutions outside the big banks for financial products. In this article, we're looking at how neobanks have become popular and what difference they offer customers.

Are face to face meetings a dying trend?

Many of us have had to change our work and lifestyle habits lately, with video calling taking the place of face to face meetings. While there have been advantages and disadvantages to this sudden trend, will the convenience of not having to leave the house for appointments mean face to face meetings will start to disappear?

Weekly market update - 17th of August 2020

The latest news and information on the economy and financial markets.

Deductions & work-related home office expenses

According to ATO data, for the 2017-18 financial year, 8,950,205 individuals claimed $2,424 on average in work-related expenses. In this article, we discuss work-related home office expenses.

Super engaged & well-informed: Annual statements

The receipt and review of your annual super statement can assist you to stay actively engaged with, and well-informed on, your super. In this article, we provide a review checklist to help with this.

2020 ‘mini-budget’: An economic & fiscal update

The Treasurer delivered a ‘mini-budget’ on 23 July 2020—an economic and fiscal update. In this article, we provide a summary of the update, inclusive of the main personal finance-related points.

Weekly market update - 10th of August 2020

The latest news and information on the economy and financial markets.

Income in a low interest and volatile environment 

How does a self funded investor generate sufficient income to meet lifestyle expenses amongst the extraordinary environment of the lowest interest rates on record amidst extreme volatility.

Weekly market update - 4th of August 2020

The latest news and information on the economy and financial markets.

Investment Outlook - July 2020

The latest views on the key investment markets and the global economy.

JobKeeper extension

The Government is extending the JobKeeper Payment by a further six months to March 2021. Support will be targeted to businesses and not-for-profits that continue to be significantly impacted by the Coronavirus. The payment rate will be reduced and a lower payment rate will be introduced for those who work fewer hours. Other eligibility rules remain unchanged.

Weekly market update - 27th of July 2020

The latest news and information on the economy and financial markets.

Weekly market update - 20th of July 2020

The latest news and information on the economy and financial markets.

SMSF Legislative Bulletin – July 2020

In this article, we update SMSF trustees on recent legislative events and how these changes may impact you and your fund in the future

4 June 2020: The HomeBuilder grant program

The construction industry (among others) has been adversely impacted by COVID-19. In this article, we provide information on the Government’s recently announced HomeBuilder grant program.

Life insurance: Core & supplementary provisions

There can be many benefits to holding life insurance. In this article, we discuss several supplementary provisions held within some life insurance policies that have a focus on enhanced coverage.

Recent changes in tax, superannuation, employment and social security legislation 

In this article, we provide information on recent changes in thresholds, rates and legislation.

Weekly market update - 13th of July 2020

The latest news and information on the economy and financial markets.

Changes to super contribution rules for over 65's

From 1 July 2019, new legislation provides an opportunity for recently retired individuals to contribute to super without needing to meet the work test. In this article, we will review the work test requirements and the work test exemption.

Economic and market update

Here we summarise the key announcements and important changes to the economy that has occurred over the previous three months. This article is dominated by the fallout from COVID-19 and investment markets.

Weekly market update - 7th of July 2020

The latest news and information on the economy and financial markets.

Where does the money go when the sharemarket corrects?

When the media reports on massive share markets drop, many people wonder where all the money goes. This short article explains the difference between a paper loss and a real loss.

Crispin Murray - We're at a critical point

Here’s the latest outlook for Australian equities from Pendal’s head of equities Crispin Murray (Pictured here).

Weekly market update - 29th of June 2020

The latest news and information on the economy and financial markets.

Weekly market update - 22nd of June 2020

The latest news and information on the economy and financial markets.

Weekly market update - 16th of June 2020

The latest news and information on the economy and financial markets.

Invalid wills, passing away intestate, and intestacy rules

One of the most important things we can do prior to our passing is to ensure we have a valid will in place. In this article, we provide an overview of various intestacy rules that exist in Australia.

Financial needs and wants in a post-COVID-19 world

Life events can disrupt context cues and create opportunities to make decisions and implement new intentions and goals. In this article, we discuss financial needs and wants in a post-COVID world.

Working during retirement and the Work Bonus scheme

When looking at long-term data, the workforce participation rate of those aged 65 and over has steadily risen over the years. In this article, we discuss working during retirement and the Work Bonus.

Tips to stay afloat following a loss of income

Unfortunately, many Australians lose their jobs every day and it can be a stressful period when it comes to covering household expenses. In this article, we provide some tips to help manage your finances if you have lost your job or your income has fallen.

Markets are up, but vulnerable

Markets didn’t blink in May continuing their upward trajectory buoyed by accommodative policy settings for risk assets. Many investors have been left scratching their heads given the poor economic outlook and increased geopolitical tensions, coupled with civil unrest in the US.

Un-packing in-specie super contributions

In this article, we will delve into in-specie contributions and how to get them done before 30-June.

Weekly market update - 10th of June 2020

The latest news and information on the economy and financial markets.

Housing stimulus package - your questions answered

In this article, we provide answers to key questions surrounding the Federal Government’s $688 million housing stimulus package known as the HomeBuilder scheme.

Weekly market update - 1st of June 2020

The latest news and information on the economy and financial markets.

Weekly market update - 26th of May 2020

The latest news and information on key Australian companies and the broader Australian share market

EOFY - your guide to deductible super contributions 

Here we provide an overview of how to build tax-effective wealth through your end of financial year superannuation contributions

EOFY - your guide to non-deductible super contributions

Here we provide an overview of how to supercharge your wealth tax-effectively through the end of financial year non-deductable superannuation contributions

Seven confronting questions to ask yourself as you get older

Estate planning is as much about taking care of your surviving loved ones as it is about ensuring that your final wishes are carried out properly. Here are 7 key questions you can ask yourself when planning for the unexpected, as well as actions to take some of the burdens off your loved ones.

Weekly market update - 20th of May 2020

The latest news and information on key Australian companies and the broader Australian share market

EOFY planning tips: Give your finances a boost

With the end of financial year on the horizon, it’s important to review areas of our personal finances, and take action if required, before 30 June. In this article, we discuss EOFY planning tips.

JobKeeper Payment scheme: Legislated, with changes

In two recent articles, we provided overviews of the Government’s economic response to the COVID-19 pandemic. In this article, we provide an updated overview of the now legislated JobKeeper Payment.

The potential long-term impact of accessing super early

To access super, a condition of release must be met. In this article, we list these conditions of release, and also provide information on the potential long-term impact of accessing super early.

Have you spoken to your loved ones about death?

The current COVID-19 pandemic has provided a stark reminder of the fragility of life. It has also prompted many of us to reflect upon our own mortality. With death being a very difficult subject to talk about, this article provides information around what you should be discussing with your loved ones and how to open a two-way conversation that puts everyone’s mind at rest.

Weekly market update - 11th of May 2020

The latest news and information on key Australian companies and the broader Australian share market

Weekly market update - 4th of May 2020

The latest news and information on key Australian companies and the broader Australian share market

Decoding the Financial Claims Scheme for SMSFs

In this article, we explain the Financial Claims Scheme, which was introduced following the GFC to protect deposit-holders, and what cover it can provide for SMSFs.

Does a core and satellite strategy still work?

In this article, we answer the question if a core and satellite strategy still works for portfolios and why.

Weekly market update - 27th of April 2020 

The latest news and information on key Australian companies and the broader Australian share market

Coronavirus health and economic update 

In this article, we assess the health update, discuss some of the implications on the economy and detail some of the inherent risks.

Weekly market update - 20th of April 2020

The latest news and information on key Australian companies and the broader Australian share market

Weekly market update - 14th of April 2020

The latest news and information on key Australian companies and the broader Australian share market

Appropriate measures, adverse events and positive outcomes

When an adverse event does occur, the outcome for those with an appropriate measure in place and those without can be vastly different. In this article, we list various personal finance measures.

COVID-19 economic response: Businesses

Economic and financial issues continue to emerge from the COVID-19 pandemic. In this article, we provide information on the Government’s support of businesses in this difficult time.

COVID-19 economic response: Individuals and households

Economic and financial issues continue to emerge from the COVID-19 pandemic. In this article, we provide information on the Government’s support for individuals and households in this difficult time.

Weekly market update - 6th of April 2020

The latest news and information on key Australian companies and the broader Australian share market

Coronavirus - Government support for retirees, individuals and households

The Government has announced measures to assist Australians, including stood down, unemployed, recently made redundantly, sole traders and employees who have had their hours reduced by 20% and pensioners including eligible concession cardholders.

Coronavirus - Government support for businesses

Government support is designed to help businesses through the period ahead. This significant action has been taken in the national interest and has been updated in the light of the broader and more prolonged impact of the Coronavirus outbreak. The package provides timely support to workers and businesses through a difficult time. Building on the previous measures, this package will support those most severely affected. It is also designed to position the Australian economy to recover strongly once the health challenge has been overcome.

Weekly market update - 30th of March 2020

The latest news and information on key Australian companies and the broader Australian share market

3 tips on how to manage sequencing risk in 2020

Managing sequencing risk during a market correction

Weekly market update - 23rd of March 2020

The latest news and information on key Australian companies and the broader Australian share market

Weekly market update - 17th of March 2020

The latest news and information on key Australian companies and the broader Australian share market

Australian and Global update - 13th of March 2020

The spread of Covid-19 and subsequent policy responses saw sharp market swings and a spike in volatility in equity markets this week. This has sparked Governments around the world to gear into action, including the Australian government announcing a $17.6 billion stimulus package.

31 March 2020: Income protection insurance

APRA has released several measures that affect income protection insurance. In this article, we provide an overview of these measures, especially in relation to the agreed value benefit type.

Why rebalance an investment portfolio?

The returns of asset classes can alter our chosen asset allocation within an investment portfolio. In this article, we explore the importance of periodically rebalancing an investment portfolio.

Reversionary beneficiary nominations

Upon commencing a pension, you may have the option to nominate a reversionary beneficiary. In this article, we discuss the facts on this type of superannuation income stream death benefit nomination.

Weekly market update - 9th of March 2020

The latest news and information on key Australian companies and the broader Australian share market

How will it end?

At this stage, it is difficult to gauge the exact impact of coronavirus on Chinese and therefore global economic growth. The Australian economy is particularly exposed given it is highly integrated within Asia, largely represented by China.

Weekly market update - 3rd of March 2020 

The latest news and information on key Australian companies and the broader Australian share market

Beware the long tail of coronavirus risk

It has been a turbulent start to the year with Australia beginning the recovery process from the tragic bushfires followed by the threat of a global pandemic with cases of the coronavirus increasing across the globe. Despite these events,markets did not flinch in January, with equity markets generating strong returns for the month as liquidity conditions continue to be supportive of markets. Source LUKASZ DE POURBAIX (Lonsec February 2020)

Weekly market update - 25th of February 2020

The latest news and information on key Australian companies and the broader Australian share market

Five key things every SMSF trustee must consider now

Your investment strategy is no longer just a compliance document, but instead should be used as a roadmap for how your fund will meet the needs of all members. This week the ATO released extensive guidelines on SMSF investment strategies and it is a must-read for every trustee.

Weekly market update - 18th of February 2020

The latest news and information on key Australian companies and the broader Australian share market

Aged care and the informal care space

Older Australians are increasingly choosing to remain living in their own homes for as long as possible. In this article, we provide a summary of the aged care and informal care space.

Household consumption and the Diderot Effect

The purchase of a consumer good or service can prompt the purchase of another consumer good or service, and so on. In this article, we explore household consumption and the Diderot Effect.

Retirement and the transfer balance cap (TBC)

A limit applies to the amount of super benefits you can transfer from accumulation phase to retirement phase to support an account-based pension. In this article, we discuss the transfer balance cap.

Weekly market update - 13th of February 2020

The latest news and information on key Australian companies and the broader Australian share market

Weekly market update - 4th of February 2020

The latest news and information on key Australian companies and the broader Australian share market

2020 Outlook

The combination of monetary policy easing over the year and the recent de-escalation in the US-China trade war has raised hopes that things will begin to improve in 2020. With a hard Brexit looking less likely and signs of an upturn in China, risk assets begin 2020 with positivity, albeit some key fundamentals remain fragile.

Weekly market update - 20th of January 2020

The latest news and information on key Australian companies and the broader Australian share market

New Year’s resolutions: Habit formation & change

A resolution is a firm decision to do or not to do something. In this article, we discuss New Year’s resolutions, and why it can be challenging to keep these resolutions (and resolutions generally).

Past, present, future: Legislative changes (Part 2)

Change is inevitable. In this article, we cover legislative changes to the Higher Education Loan Program, the Farm Household Allowance, the Paid Parental Leave Scheme, and overseas welfare recipients.

Past, present, future: Legislative changes (Part 1)

Change is inevitable. In this article, we cover legislative changes to the PBS, redundancy payments, salary sacrificing arrangements, and self-managed super funds (NALI and LRBAs).

Exploring goals-based investing

The foundation of goals-based investing lies in ensuring that there is alignment between your financial goals and objectives, tolerance for risk and the way your investment portfolio is ultimately invested. We explore this in a little more detail.

Weekly market update - 16th of December 2019

The latest news and information on key Australian companies and the broader Australian share market

Practising self-care: Relaxation, rejuvenation and reflection

For many of us, work forms a major part of our daily lives. In this article, we discuss burnout, work/life balance, and the importance of practising self-care over the festive season (and beyond).

Getting ahead financially: Household financial waste

Getting ahead financially can involve an analysis of your existing financial situation; seeing if adjustments are required in one or more areas. In this article, we discuss household financial waste.

Age Pension entitlements: Gifting and deprivation rules

When transferring wealth before your passing, it’s vital to consider the potential financial impact to you. In this article, we discuss Age Pension entitlements, and the gifting and deprivation rules.

Ageing and health status in retirement: The three chapters

When it comes to ageing and health in retirement, there are often three chapters that people will experience as they move through their retirement years. In this article, we look at this in terms of retirement planning and better informing your expectations of what retirement may entail for you. 

Weekly market update - 2nd of December 2019

The latest news and information on key Australian companies and the broader Australian share market

Weekly market update - 25th of November 2019

The latest news and information on key Australian companies and the broader Australian share market

Developments in the Australian and Global Economies

Many Australian economists are now forecasting the RBA cut rates further in early 2020 given unemployment rising to 5.3% and more concerning underemployment to 8.5%. Meanwhile, no trade deal between the US and China remains, which is beginning to impact the Chinese economy with exports continuing to fall.

Developments in the Australian and Global Financial Markets

The month of October saw the Australian sharemarket finishing slightly weaker, conversely the Global market marginally higher. Fixed interest was mixed, while the AUD-USD finished higher and our largest export, Iron Ore, down significantly.

Weekly market update - 19th of November 2019

The latest news and information on key Australian companies and the broader Australian share market

Estate planning crossword: Answers

Estate planning is about planning who gets what assets, at what time and in what manner upon your passing. In this article, we provide the answers to our recent estate planning crossword.

The rise of ‘buy now, receive now, pay later’ services

There continues to be a rise in the uptake by consumers of ‘buy now, receive now, pay later’ services offered by providers (e.g. Afterpay). In this article, we unpack the review of these services.

Investing: The different types of asset classes

When investing for the future, it’s important to understand the different types of asset classes (i.e. cash, fixed interest, property and shares). In this article, we explore asset classes further.

Australia’s three-pillar retirement income system

In retirement, you may find your retirement lifestyle being funded by a variety of different sources. In this article, we provide an overview of Australia’s three-pillar retirement income system.

Weekly market update - 14th of November 2019

The latest news and information on key Australian companies and the broader Australian share market

Why negative interest rates could save the economy

Traditional Fiscal and Monetary stimulus have been largely benign. Unconventional methods are now seriously being considered. By David Simon and Rod Myer Published in the Australian Jewish News and Times of Israel

Weekly market update - 5th of November 2019

The latest news and information on key Australian companies and the broader Australian share market

Weekly market update - 28th of October 2019

The latest news and information on key Australian companies and the broader Australian share market

Weekly market update - 22nd of October 2019

The latest news and information on key Australian companies and the broader Australian share market

Financial market update - September 2019

Sharemarkets around the world, including Australia, had a mostly positive September following a largely negative August. Source: Lonsec Research

Economic update - September 2019

The global economy, excluding the US, continued to suffer stubborn growth and lacklustre inflation. Australia included. Source: Lonsec Research

Global economic snapshot - October 2019

The global economy, excluding the US, seemingly continues to suffer stubborn growth and lacklustre inflation. Australia included.

Estate planning crossword: Questions

Estate planning is about planning who gets what assets, at what time and in what manner upon your passing. In this crossword, we cover the different components relating to the planning of your estate.

1 April 2020: ‘Protecting Your Super Package’ 2.0

A bill, which builds upon the previously passed ‘Protecting Your Super Package’, recently passed through parliament. In this article, we explore the combined impact of these pieces of legislation.

Retirees and the Commonwealth Seniors Health Card

As you make your way through your retirement years, you may start to find that your expenditure on healthcare increases. In this article, we take a closer look at the Commonwealth Seniors Health Card.

Your total super balance and wealth accumulation

Did you know that several wealth accumulation strategies can be impacted by your total super balance (TSB)? In this article, we discuss your TSB and these wealth accumulation strategies in detail.

Weekly market update - 14th of October 2019

The latest news and information on key Australian companies and the broader Australian share market

Weekly market update - 8th of October 2019

The latest news and information on key Australian companies and the broader Australian share market

Weekly market update - 30th of September 2019

The latest news and information on key Australian companies and the broader Australian share market

Weekly market update - 23rd of September 2019

The latest news and information on key Australian companies and the broader Australian share market

Weekly market update - 17th of September 2019

The latest news and information on key Australian companies and the broader Australian share market

Interest rates: Borrowers, savers and investors (retirees)

An important relationship exists between monetary policy, cash rates and interest rates. In this article, we take a look at what this relationship means for borrowers, savers and investors (retirees).

The prevalence, incidence, risk and cost burden of ill health

‘It’ll be right’ or ‘bulletproof’ is a health mindset held by some of us. In this article, we unpack key findings into the prevalence, incidence, risk and cost burden of ill health in Australia.

The top 10 facts about account based income streams

An account based income stream, can be one of the most tax effective ways to fund your retirement lifestyle. In this article, we discuss the top 10 facts about account based income streams.

Weekly market update - 9th of September 2019

The latest news and information on key Australian companies and the broader Australian share market

The three-bucket approach to retirement investing in a low-interest environment

When devising a retirement plan, there are several different strategies that a financial advisor can employ to make sure that you have enough to meet your retirement lifestyle needs. In this article we’ll focus on one such strategy – the ‘bucket’ approach - given the purpose of mitigating a low-interest-rate environment.

Weekly market update - 2nd of September 2019

The latest news and information on key Australian companies and the broader Australian share market

Weekly market update - 20th of August 2019

The latest news and information on key Australian companies and the broader Australian share market

Retirement and changes to the Age Pension deeming rates

Retirement income can often come from several sources. In this article, given the low interest rate environment, we discuss retirement in general, and also changes to the Age Pension deeming rates.

Tax refunds: Low and middle income tax offset (LMITO)

With a recently legislated Bill, many of us may have seen or are expecting to see a larger tax refund or smaller debt regarding our 2018-19 tax return. In this article, we explore LMITO, and tax refunds.

Super review checklist: Your annual super statement

As a super fund member, you will be receiving your annual super statement soon. In this article, we provide you with a helpful checklist for reviewing this important document.

Negative interest rates

Data captured from a survey of 95 countries calculated the average cash rate at around 6%, including Switzerland, with the lowest at -0.75% and Argentina the highest at 58%. Australia has an equal 12th lowest rate at 1% shared with New Zealand and Albania. While the intended economic benefit of low rates has yet to be realised, the reality of going negative is becoming increasingly more likely.

Economic Update - August 2019

The month of July was in some ways a month of reckoning. The Reserve Bank of Australia cut the official cash rate to 1.00%, the lowest ever recorded. The RBA explained their decision by declaring the necessity to improve confidence and enable consumption. The US Fed Reserve cut rates to 2.25%, Germany went negative with their interest rates and China suffered their slowest GDP growth in almost 30 years.

Weekly market update - 14th of August 2019

The latest news and information on key Australian companies and the broader Australian share market

Weekly market update - 8th of August 2019

The latest news and information on key Australian companies and the broader Australian share market

Weekly market update - 22nd of July 2019

The latest news and information on key Australian companies and the broader Australian share market

Consumer payments behaviour: How do you compare?

Australians tend to spend more on and around their payday (regular income payments), relative to their average level of daily spending. In this article, we explore consumer payments behaviour.

Self-managed super funds (SMSFs): Sector insights

Are you looking for a broad overview of the existing self-managed super fund (SMSF) sector? In this article, we provide you with SMSF insights to help you get up to speed.

1 July 2019: New financial year, new state of play

When it ticks over to a new financial year, often existing rates and thresholds increase, and new legislative instruments take effect. In this article, we discuss the state of play from 1 July 2019.

Weekly market update - 1st of July 2019

The latest news and information on key Australian companies and the broader Australian share market

Weekly market update - 24th of June 2019

The latest news and information on key Australian companies and the broader Australian share market

Weekly market update - 17th of June 2019

The latest news and information on key Australian companies and the broader Australian share market

1 July 2019: Protecting Your Superannuation Package

Several changes are coming to superannuation, and action may be required on your part prior to 1 July 2019. In this article, we discuss the recently legislated Protecting Your Superannuation Package.

A healthy retirement: Physical activity and dietary guidelines

Retirement is a time to relax and enjoy the fruits of your labours; but, can relaxing too much be a bad thing? In this article, we explore the physical activity and dietary guidelines for retirees.

Unpacking the First Home Loan Deposit Scheme (FHLDS)

Following the federal election results, the Coalition has been re-elected. In this article, we provide a brief overview of one of their new proposed measures, the First Home Loan Deposit Scheme.

Weekly market update - 11th of June 2019

The latest news and information on key Australian companies and the broader Australian share market

RBA cuts interest rates to a fresh record low

At the beginning of May, the RBA slashed near term Australian economic growth, unemployment, and inflation forecasts. With that, the market had 100% priced for a 25bps cut to 1.25% in June. The market proved to be correct at 2.30pm this afternoon.

Weekly market update - 3rd of June 2019

The latest news and information on key Australian companies and the broader Australian share market

Weekly market update - 28th of May 2019

The latest news and information on key Australian companies and the broader Australian share market

Weekly market update - Election edition 20th of May 2019

The Federal election result has come as a surprise. Almost without exception, every company we speak to was expecting a Labor win. We explore what this may mean for our local market.

Legislative update (Acts): To be, or not to be… (Part 2)

Many Bills managed to become Acts before the dissolution of parliament. In this article, we look at several of these pertaining to social security, superannuation and taxation.

Legislative update (Bills): To be, or not to be… (Part 1)

Many Bills lapsed following the dissolution of parliament ahead of the federal election. In this article, we look at several of these pertaining to employment, social security and superannuation.

EOFY planning tips: Fine-tuning your personal finances

As we approach the end of financial year (EOFY), this can be an opportune time to do some fine-tuning in areas of your personal finances. In this article, we provide EOFY planning tips.

Outlook for investment markets

Both equities and bonds have continued to do well this year. Although U.S. - China trade tensions have weighed on equities in recent days which is a major risk and hard to call as the impact could be significant. At home, the business cycle has weakened as such the Reserve Bank is likely to respond with at least one interest-rate cut in the short term. Source: Morningstar

Weekly market update - 13th of May 2019

The latest news and information on key Australian companies and the broader Australian share market

RBA holds rates at 1.5pc ahead of election

The Reserve Bank of Australia has left the official interest rates unchanged at 1.5 per cent, extending the record run of inactivity on rates and resisting the pressure for a pre-election cut. Source: Morningstar

Weekly market update - 6th of May 2019

The latest news and information on key Australian companies and the broader Australian share market

Economists tip rate cut before Federal Election 

Weaker than expected inflation for the first quarter of 2019 has boosted expectations the RBA will cut the cash rate when it meets next month. Source: Morningstar Australia

Weekly market update - 29th of April 2019

The latest news and information on key Australian companies and the broader Australian share market

Needs analysis: Linked personal insurance policies

A needs analysis can be an important initial step in the establishment of an appropriate personal insurance plan. In this article, we explore needs analysis and linked personal insurance policies.

Wealth accumulation and the FIRE movement

The FIRE (Financial Independence, Retire Early) movement is a rather controversial social lifestyle movement that’s gaining some traction. In this article, we provide insight into this movement.

Weekly market update - 11th of April 2019

The latest news and information on key Australian companies and the broader Australian share market

2019 Budget: The ‘Back in Black, Pre-Election’ Proposed Measures

Treasurer Josh Frydenberg delivered the 2019-20 Federal Budget on 2 April 2019. We provide you with a summary of the main proposed measures that may be relevant to you and your personal finances.

Budget summary

On 2 April 2019, the Government handed down the 2019-20 Federal Budget. The focus of the 2019-20 Budget is a plan for a stronger economy and securing a better future. In last year’s Budget, the Government commented that just as most households had to tighten their budgets over recent years, the Government was committed to doing the same. With the Budget returning to a surplus position much sooner than anticipated, the Government is now seeking to give back to Australians.

The latest on the US-China trade tensions

As the US-China trade war continues, we take a look at the triggers for the tensions, what happens after the 'extended' ceasefire and the implications for Australia’s economy.

Weekly email update - 2nd of April 2019

The latest news and information on key Australian companies and the broader Australian share market

Weekly market update - 26th of March 2019

The latest news and information on key Australian companies and the broader Australian share market

Weekly market update - 18th of March 2019

The latest news and information on key Australian companies and the broader Australian share market

Household finances: Personal financial statements

Proper, ongoing management accounting is crucial for running a successful, long-term business. This is the same for your personal accounting. In this article, we explore personal financial statements.

Spotlight on investment risk profiles

Whether you are a wealth accumulator or retiree, determining an appropriate investment risk profile is important. In this article, we discuss the process behind this in further detail.

Personal insurances: Insurance premium variables

Insurance premiums can vary considerably from one person to the next due to the diverse range of variables at play. In this article, we explore several of these variables via a case study.

Weekly market update - 11th of March 2019

The latest news and information on key Australian companies and the broader Australian share market

Developments in the global economy

Central banks around the world are recalibrating investor expectations of future monetary policy moves. Weak domestic economic data has reinforced the belief that the next move by the Reserve Bank (RBA) may be to cut official interest rates. In the US, the Fed has continued recent guidance that the prospect of further rate hikes through 2019 should be tempered.

Developments in financial markets

Positive momentum in equities continued in February as investors gained further confidence that the US/China tariff issues would not deteriorate to a worst case scenario and Chinese growth prospects also improved. Expectations the RBA’s next move may be a rate cut saw Australian bond yields fall and may have provided an extra lift to Australian equities which outperformed their international counterparts by a significant amount.

Weekly market update - 4th of March 2019

The latest news and information on key Australian companies and the broader Australian sharemarket

Weekly market update - 25th of February 2019

The latest news and information on key Australian companies and the broader Australian sharemarket

Weekly market update - 18th of February 2019

The latest news and information on key Australian companies and the broader Australian sharemarket

Weekly market update - 14th of February 2019

The latest news and information on key Australian companies and the broader Australian sharemarket

Checklist: How to become more energy-savvy

Being more energy-savvy in your home is not only good for the environment, but also for your hip pocket over the long-term. In this article, we provide a list of ways to become more energy-savvy.

Reverse mortgages: The Pension Loans Scheme

The saying ‘asset-rich, but income-poor’ can be an accurate description of the financial situation of some retirees. In this article, we look at the Government’s Pension Loans Scheme.

Weekly market update - 4th of February 2019

The latest news and information on key Australian companies and the broader Australian sharemarket with a focus on January 2019.

Weekly market update - 30th of January 2019

The latest news and information on key Australian companies and the broader Australian sharemarket

Weekly market update - 21st of January 2019

The latest news and information on key Australian companies and the broader Australian sharemarket

Weekly market update - 15th of January 2019

The latest news and information on key Australian companies and the broader Australian sharemarket

The benefits of practising money mindfulness

A mindful money practice requires you to pay full attention to your money on a moment-by-moment basis. In this article, we explore the benefits of practising this approach in your daily life.

Update: Recent legislative changes

Several proposals regarding small and medium businesses, primary producers and farmers, consumers, aged care and education have recently been legislated. In this article, we unpack these for you.

Your 2019 financial health check

With 2019 here, it’s time to kick-start your personal finances for the year ahead. In this article, we provide you with a financial checklist to help you take stock of your personal circumstances.

Our 2019 Outlook

Sharemarkets across the globe have continued to be battered by two big fears for 2019: the potential damage from a U.S.-China trade war and the prospect of a U.S. economic slowdown. There has also been a slew of other worries, including slower eurozone growth and Brexit.Looking ahead, while all the recent focus has been on downside risks, the long post-GFC economic recovery is still intact.

Weekly market update - 17th of December 2018

The latest news and information on key Australian companies and the broader Australian sharemarket

Top 5 tips to achieve your money goals in 2019

Take control of your future by setting some financial goals this year. Here are our top tips to help make 2019 your best year yet.

5 Things to Remember during Volatile Markets

One of the world’s most successful and well-known investors, Warren Buffet, famous quotes "Someone's sitting in the shade today because someone planted a tree a long time ago" shares much with an investor’s timeframe. Like a growing tree weathering a storm, it can be difficult for investors to remain strong during turbulent times, but it's important to maintain a balanced perspective. Perhaps these reminders may help.

Weekly market update - 10th of December 2018

The latest news and information on key Australian companies and the broader Australian sharemarket

The art of reflection and time management

How you decide to spend your time can affect your ability to achieve your goals and objectives. In this article, we explore the importance of reflection on your current time management.

An exercise on financial literacy for kids

Financial literacy is an important life skill. In this article, we provide you with a simple exercise that you may find helpful in terms of getting the ball rolling with your children.

Embracing the festive season spirit

The festive season spirit is centred on giving (not receiving), whether material or immaterial. In this article, we list ways to help you (and your children) embrace the spirit of the festive season.

Weekly market review - 3rd of December 2018

The latest news and information on key Australian companies and the broader Australian sharemarket

Weekly market update - 26th of November 2018

The latest news and information on key Australian companies and the broader Australian sharemarket

The top 10 'need-to-know' global headlines

Global employment is on the up but trade risks, Brexit uncertainty and concern over Italy’s fiscal position have all affected financial markets over the last month. Get up to date on US, Asia and the Australian economy. Here is a snapshot of the major global economic headlines.

Weekly market update - 20th of November 2018

The latest news and information on key Australian companies and the broader Australian sharemarket

Who really is China?

Well we have attempted to find out! Did you know that an estimated 50 million apartments remain unoccupied across China's empty, have applied for more than twice the patents as the US and is the world's largest producer of renewable energy? Neither did we! Read on for an interesting insight to what is the paradox of China.

For richer, for poorer: The financial impact of divorce

For some of us, there will come a time when we part ways with our spouse for one reason or another. In this article, we look at several findings regarding the financial impact of divorce.

Jargon buster: Share investing edition

The finance section of the news, share market summaries and investor reports can often involve the use of technical words. In this article, we help you to understand share investing jargon.

Compounding super: Retirement planning at age…

Taking a proactive approach to retirement planning earlier means you can benefit from the power of compounding and give yourself flexibility along the way. In this article, we explore this further.

Weekly market update - 13th of November 2018

The latest news and information on key Australian companies and the broader Australian sharemarket

Weekly market update - 5th of November 2018

The latest news and information on key Australian companies and the broader Australian sharemarket

What is next for the property market?

Well ultimately your guess would probably be as good as mine. Indeed, we don’t have the luxury as Biff had in Back to the Future Part II when his Almanac assured him the ability to perfectly predict. We can however hypothesize, which is effectively an educated guess. Whilst I don’t consider myself an expert on property nor am I a licensed real estate agent, I will discuss the economic, legislative and political backdrop and how this may impact property markets which I am sure you will find interesting.

Weekly market update - 29th of October 2018

The latest news and information on key Australian companies and the broader Australian sharemarket

Weekly market update - 22nd of October 2018

The latest news and information on key Australian companies and the broader Australian sharemarket

Aged care - know what's involved

Aged care can be a tough subject for many families to broach, but as we enjoy longer lives, there’s a growing likelihood that at least part of our final years will be spent in formal care.

Weekly market update - 17th of October 2018

The latest news and information on key Australian companies and the broader Australian sharemarket

Struck by a smooth criminal

You wouldn’t hand over your money to just anyone. Of course not! The truth is though, sometimes scammers can seem legit and know just what to say and show you to break down your barriers. Better technology means they are getting better at it and the Australians who lost a combined $23.6 million to investment scams in 2016 would testify to it.

Weekly market update - 8th of October 2018

The latest news and information on key Australian companies and the broader Australian sharemarket

The First Home Owner Grant (FHOG) scheme

The First Home Owner Grant (FHOG) scheme is a one-off grant payable to first home owners that satisfy all the eligibility criteria. In this article, we delve into the details for each state/territory.

Understanding the path of the financial lifecycle

The financial lifecycle provides a simplistic framework upon which to understand the path people travel during their lives. In this article, we unpack what this means for you.

The 2018 HILDA Survey: Financial literacy quiz

The Household, Income and Labour Dynamics in Australia (HILDA) Survey collects information on many aspects of life. We explore the financial literacy quiz contained within the 2018 HILDA Survey.

Australia's underinsurance dilemma

Did you know 83% of Australians say they have insurance for their car yet only 31% insure their income? In this article we explore the relative misunderstanding of the importance of personal insurance and the risk underinsurance creates for Australians.

Australian and global outlook for investment markets

The world economy is still growing, which is a generally positive background for risk assets, but investment outcomes have become overdependent on ongoing gains from U.S. equities. The most likely outlook is ongoing global expansion, though trade wars, monetary policy mistakes, problems in some emerging markets, and geopolitical shocks are all real risks to monitor. Bond yields in the U.S. have headed higher and have contributed to weak performance by global fixed interest and by global income-oriented assets like property and infrastructure; Australasian property markets, however, have been performing rather better. In the Australian economy, it looks as if the pace of business activity may be moving into a slightly higher gear, although the ongoing drag of the financials sector remains a concern for equity performance. Source: Morningstar

Weekly market update - 25th of September 2018

The latest news and information on key Australian companies and the broader Australian sharemarket

 Trumps Coming Up Chumps

By introducing tariffs on China, he’s trying to save Americans jobs by taxing cheap imports. But the resulting trade conflict could negatively affect America’s economy, AND the people Trump says he’s protecting.

The 50/30/20 budgeting rule

There are many subtle rules that we live our lives by. In this article, we discuss the 50/30/20 budgeting rule, a rough guide of how much money should be allocated towards needs, wants and savings.

Bridging the gap: Women and super

When it comes to sources of income in retirement, superannuation plays a major role. However, for some women, it can be challenging to build up this retirement nest egg; we take a closer look.

Investment market cycles and investor sentiment

For some of us, there can often be a ‘behaviour gap’ between what we should do and what we actually do. In this article, we discuss investment market cycles and investor sentiment.

Weekly market update - 10th of September 2018

The latest news and information on key Australian companies and the broader Australian sharemarket

Weekly market update - 3rd of September 2018

The latest news and information on key Australian companies and the broader Australian sharemarket

Weekly market update

The latest news and information on key Australian companies and the broader Australian sharemarket

How much super will I need?

Most of us daydream about the day we finally finish work and retire. Whether you dream of cruising around the world, campervanning around Australia, or just pottering about in the garden and improving your golf skills, the magic question is: how much do you need to make your retirement dreams a reality?

Weekly market update

The latest news and information on key Australian companies and the broader Australian sharemarket

Tax refunds and investing in yourself

The most important investment you can make is in yourself.” (Warren Buffett). In this article, we explore this quote within the context of helpful spending suggestions for making the most of your tax refund this year; however, it also has broader application regarding how you may wish to approach life in general.

Super engagement: Your annual super statement

Super will be one of the biggest financial assets that you will ever own in your lifetime. Despite this, some of us find it difficult to actively engage with our super – often only doing so upon receipt of our annual super statement. As such, in this article, we discuss super engagement in greater detail.

Deductions and work-related self-education expenses

Each year, the ATO releases guidance on what they will be closely monitoring when tax returns are lodged. Claiming deductions for work-related self-education expenses is a regular area of focus for the ATO – this year is no exception. As such, we discuss the ins and outs of this type of work-related expense.

Weekly market update

The latest news and information on key Australian companies and the broader Australian sharemarket

Developments in the global ecomomy

Economic data reinforced existing monetary policy expectations. Continued robust activity and employment data in the US bolstered the case for continued, albeit measured, fed funds increases while subdued inflation in Australia and Europe underlined that rates are likely to remain on hold in these regions.

Weekly market update

The latest news and information on key Australian companies and the broader Australian sharemarket

Weekly market update

The latest news and information on key Australian companies and the broader Australian sharemarket

Weekly market update

The latest news and information on key Australian companies and the broader Australian sharemarket

Weekly market update

The latest news and information on key Australian companies and the broader Australian sharemarket

The personal finance roadmap and the age of distractions

In our daily lives, we are constantly confronted with consumer-based distractions of a predominantly ‘want purchase’ nature. As a result, staying on the path towards the achievement of your financial goals and objectives can sometimes prove difficult. In this article, we discuss this further.

Ageing and health status in retirement: The three chapters

When it comes to ageing and health in retirement, there are often three chapters that people will experience as they move through their retirement years. In this article, we look at this in terms of retirement planning and better informing your expectations of what retirement may entail for you. 

2018-19 financial year: Top 10 legislative updates

We are now into the 2018-19 financial year; there are several finalised (as well as pending) legislative updates that are due to take effect either from 1 July or later in the year. In this article, we briefly touch on the top 10 that may be relevant to your financial situation, goals and objectives.

Outlook for investment markets

The world economic expansion is still trucking along, although it has become a bit more dependent than previously on the U.S. economy, and should support some further equity gains, although against a background of rising political risks—especially the risk of trade wars. Fixed interest and other income-oriented asset classes continue to be challenged by the prospect of rising inflation and tighter monetary policy. In Australia, there have been some promising signs that the pace of business activity is picking up, although the benefits for growth assets are being held back by the ongoing weakness of the financial stocks.

Weekly market update

The latest news and information on key Australian companies and the broader Australian sharemarket

Integral Private Wealth recognised in Australia's top 50 Financial Advisers

The list, featured in Fridays (15/06/2018) The Australian newspaper in conjunction with the US investment publication Barron’s, ranked David Simon as the 11th placed financial adviser in Australia.

Weekly market update

The latest news and information on key Australian companies and the broader Australian sharemarket

Economic and Market Update 

Developments in the global economy and financial markets for the month of May, 2018.

The relationship between saving motives and saving habits

When it comes to saving habits, there are often three camps, regular savers, irregular savers and non-savers. Invariably, there is a relationship between saving motives and saving habits; however, external factors can sometimes be a disruptive force.

Personal insurances: The risk probability/impact matrix

Insurance, in general, can sometimes be seen as a ‘grudge purchase’ as there can be a perception of little tangible value (until claim time). In this article, we explore the risk probability/impact matrix to highlight the value of personal insurances when it comes to managing certain lifetime risks.

Retirement age? Accessing sources of income

For many of us, retirement age (and how we intend to fund our retirement lifestyle) is often guided by the rules relating to the accessibility of certain sources of income, for example, superannuation and the Age Pension. In this article, we discuss these rules in further detail.

Weekly market update

The latest news and information on key Australian companies and the broader Australian sharemarket

Weekly market update

The latest news and information on key Australian companies and the broader Australian sharemarket

Weekly market update

The latest news and information on key Australian companies and the broader Australian sharemarket

Child care reform: The child care subsidy

From 2 July 2018, the Child Care Benefit and Child Care Rebate will be replaced with a new financial assistance payment for eligible families, the Child Care Subsidy. In this article, we explore the Child Care Subsidy in more detail regarding eligibility, payments and transitioning/claiming.

Couple’s finances: Being in tune with one another

When managing your personal finances as a couple, it’s important to recognise and address any differences you may have regarding your beliefs on money and your money personality. We discuss ways to help you in this space through the fostering of communication, mutual understanding and teamwork.

EOFY planning tips: 3, 2, 1... Lift-off!

The end of the financial year is nearly upon us. Where has the year gone? In this article, we discuss several end of financial year planning tips that you may wish to consider prior to 30 June – they may help in terms of minimising your tax liabilities and making the most of the money you earn.

Weekly market update

The latest news and information on key Australian companies and the broader Australian sharemarket

2018 Budget: Unwrapping the ‘Christmas in May’ proposed measures

Treasurer Scott Morrison delivered the 2018-19 Federal Budget on 8 May 2018. We provide you with a summary of the main proposed measures that may be relevant to you and your personal finances.

2018 Federal Budget - Tax

Changes in personal income tax include - Increase of top 32.5% (current $87,000) to $90,000, Increase the Medicare Levy low-income threshold for singles, families and single seniors, Retaining the Medicare levy rate at 2.0% (previously due to rise to 2.5% in FY2019) and Seven year tax plan including the eventual removal of 37% tax bracket

2018 Federal Budget - Superannuation

Scott Morrison’s third budget has been framed around personal and corporate tax cuts ahead of a likely election at the start of 2019. Unlike most election budgets, spending has been relatively restrained especially given the higher than expected revenue flowing into the Government’s coffers. This Budget allows the Government to maintain its economic credentials by moving to a surplus earlier than previously promised, while still offering tax cuts, albeit largely in the distant future

2018 Federal Budget - Social Security

Better integrity over deductions for personal contributions Funding will be provided to the ATO to improve the integrity of the ‘notice of intent’ (NOI) processes for claiming personal superannuation contribution tax deductions. Currently, some individuals are claiming the deduction without submitting the NOI. As a result, no tax is paid on the contribution amount. This measure will commence from 1 July 2018. Increasing the maximum number of allowable members in self-managed superannuation funds and small APRA funds from four to six The maximum number of members permitted in new and existing self-managed superannuation funds and small APRA funds will be increased from four to six. This measure will commence from 1 July 2019. Preventing inadvertent concessional cap breaches by certain employees Individuals whose income exceeds $263,157 and have multiple employers will be able to nominate that their wages from certain employers are not subject to the superannuation guarantee (SG) from 1 July 2018. The measure will allow eligible individuals to avoid unintentionally breaching the $25,000 annual concessional contributions cap as a result of multiple compulsory SG contributions. This measure will commence from 1 July 2018. Three-yearly audit cycle for some self-managed superannuation funds Self-managed superannuation funds with a history of good record-keeping and compliance will be subject to a three-yearly audit requirement rather than an annual audit requirement. This measure will start on 1 July 2019. More Choices for a Longer Life — comprehensive income products in retirement The superannuation law will be amended to introduce a retirement covenant that will require superannuation trustees to formulate a retirement income strategy for superannuation fund members. The Government will also amend the Corporations Act 2001 to introduce a requirement for providers of retirement income products to report simplified, standardised metrics in product disclosure to assist customer decision making. Treasury portfolio legislation There will be technical amendments to the transition to retirement income stream rules relating to the death of a member and addressing double taxation in respect of deferred annuities purchased by a superannuation fund or retirement savings account. More Choices for a Longer Life — work test exemption for recent retirees The Government will introduce an exemption from the work test for voluntary contributions to superannuation, for people aged 65-74 with superannuation balances below $300,000, in the first year that they do not meet the work test requirements. This measure will take effect from 1 July 2019.

Federal Budget 2018 - Regulators

Scott Morrison’s third budget has been framed around personal and corporate tax cuts ahead of a likely election at the start of 2019. Unlike most election budgets, spending has been relatively restrained especially given the higher than expected revenue flowing into the Government’s coffers. This Budget allows the Government to maintain its economic credentials by moving to a surplus earlier than previously promised, while still offering tax cuts, albeit largely in the distant future

Weekly market update

The latest news and information on key Australian companies and the broader Australian sharemarket

Weekly market update

The latest news and information on key Australian companies and the broader Australian sharemarket

Weekly market update

The latest news and information on key Australian companies and the broader Australian sharemarket

‘Downsizing’ the family home and super contributions

In the 2017 Federal Budget, the Government announced a proposal which is designed to encourage older Australians to free up housing stock and access equity in their home for their needs. The legislation for this proposal was introduced into Parliament on 7 September 2017 and is now law. These new measures allow a person aged 65 or older to make superannuation contributions (downsizer contributions) of up to $300,000 from the sale of an ownership interest in an Australian home where the sale contract is entered into on or after 1 July 2018.

Weekly market update

The latest news and information on key Australian companies and the broader Australian sharemarket

Personal superannuation contributions – 10% rule repealed

With the end of the financial year fast approaching, it is time to start thinking about income tax deductions.

Trolleyology: How supermarkets influence your buying

Have you ever compared your shopping list to the items listed on your receipt when you get home? Very rarely are they the same. Part of the reason for this is the fact that supermarkets are often specifically designed to influence your buying. We take a closer look at this – some of the tactics may surprise you.

What's Environmental, Social & Governance (ESG) investing?

An emerging preference over the last few years has been the desire by some investors to align their investment values with their personal values. In this article, we highlight some of the finer details relating to Environmental, Social and Governance (ESG) investing.

Weekly market update

The latest news and information on key Australian companies and the broader Australian sharemarket

Protecting yourself from online scams

Here are our tips on protecting yourself from online scams and reducing your cyber risk. We also explain what you can do if you have been the victim of a scam online.

Weekly market update

The latest news and information on key Australian companies and the broader Australian sharemarket

Economic update

In Australia, the economy appears to be picking up a head of steam, but it is not obvious that growth will be fast enough to deliver a strong boost to corporate profits.

Weekly market update

The latest news and information on key Australian companies and the broader Australian sharemarket

Weekly market review

The latest news and information on key Australian companies and the broader Australian sharemarket

Weekly market review

The latest news and information on key Australian companies and the broader Australian sharemarket

Personal insurances: Completing a pre-assessment

When it comes to recommending which insurer (and their offering) may be appropriate for you and managing expectations around potential outcomes of a formal insurance application, often an important step in the process can be the completion of a pre-assessment. In this article, we explain what one is.

The benefits of workplace health & wellness programs

Whether you are a business owner, manager or employee, you may find this article interesting. We discuss the benefits of businesses implementing workplace health and wellness programs. Put simply, research indicates that, healthy workers = healthy organisations = healthy business performance and productivity.

Residential investment properties: Income-generation considerations

Residential investment properties are assets purchased to achieve an investment objective, and their acquisition is based on financial benefit. Income-generation is an important part of the rate of return equation. As such, we explore some considerations regarding attraction and retention of tenants.

Weekly market review

The latest news and information on key Australian companies and the broader Australian sharemarket

Can you afford for your adult kids to live at home?

Parents with adult children still living at home have the best of intentions to help their kids get ahead, but they might be putting their own financial futures at risk. At the time of the 2016 census, almost 400,000 non-dependent children aged 25 to 34 were living at home, an increase of 20 percent from five years earlier.

Weekly market review

The latest news and information on key Australian companies and the broader Australian sharemarket

Weekly market review

The latest news and information on key Australian companies and the broader Australian sharemarket

Weekly market review

The latest news and information on key Australian companies and the broader Australian sharemarket

Financial attitudes and behaviours: The power of perspective

Perspective can be a powerful tool when used appropriately. Have you ever wondered how you compare to the average Australian in terms of financial attitudes and behaviours? We look at several of the findings from ASIC’s latest Australian Financial Attitudes and Behaviour Tracker (Wave 5).

The marshmallow experiment and personal finance

In our daily lives, we are constantly confronted with situations in which we are required, or in some instances encouraged, to make a decision about what we spend our money on. We discuss several of the results from the renowned Marshmallow Experiment and how they may apply to your personal finances.

Financially-savvy travelling in retirement

For some retirees, travel can be a high priority, especially early on in retirement. You may want to capitalise on the time and resources available to you by travelling whilst you are still fit and healthy. Here are some savings tips to help with planning that next trip away (wealth accumulators may find it helpful too!).

Weekly market review

The latest news and information on key Australian companies and the broader Australian sharemarket

Economic Update

The world economic outlook has continued to brighten, but the consequent strong rises in equity prices look unsustainably rapid, particularly for emerging-markets shares, and some correction is likely during the coming year. Investors remain underappreciative of true levels of risk. Global interest rates have started to rise, especially in the United States, and both fixed-interest and bondproxy assets like property and infrastructure have been struggling. In Australia, the economic outlook also looks to be turning for the better, but it is not yet clear whether the improvement will be enough to make a big difference to the performance of local asset classes.

Weekly market review

The latest news and information on key Australian companies and the broader Australian sharemarket

Top 5 investment themes for 2018

Investors should consider 2018 investment themes such as global growth and quantitative tightening.

Weekly market review

The latest news and information on key Australian companies and the broader Australian sharemarket

Protecting your loved ones: Child trauma benefit

Without an appropriate Plan B in place, an unexpected passing, sickness or injury can often have a serious financial impact on your household. Consequently, when considering personal insurances we often think about covering ourselves. In this article, we discuss the Child Trauma Benefit. 

Update: 2017 Budget ‘housing affordability’ proposed measures

The 2017 Budget introduced many proposed measures aimed at addressing the issue of housing affordability and several of these are now law. We will review the new laws and how they relate to a residential property investor, retirees wishing to downsize or a prospective first homebuyer.

New Year resolutions: Strengthening willpower

By now, you may already have a fair idea as to which New Year resolutions were a little over-ambitious, and those that you may just see through to the end. In this article, we provide you with some helpful tips to succeed this year, as well as a few personal finance-related resolutions also worth considering.

Weekly Market Review

The latest news and information on key Australian companies and the broader Australian sharemarket

Virtual Currencies

Many virtual currencies, such as Bitcoin have emerged over the last 10 years but just how safe are they? We explain how virtual currencies work and the risks you take buying, trading or investing in them (Source: moneysmart.gov.au)

Superannuation changes for downsizing home and new first home buyers scheme

The Parliament has passed the Bill to allow first home buyers to save for a deposit inside super and allow Australians over age 65 to contribute sale proceeds from their home into super.

Weekly Market Review

The latest news and information on key Australian companies and the broader Australian sharemarket

Data security 101: Protecting your personal information

In the age of digital technology and the internet, it’s important to keep your personal information secure and be alert to potential instances where someone may seek to obtain this from you for financial gain. In this article, we provide you with helpful tips regarding protecting your personal information.

Estate planning and your digital footprint

Your will is normally the main document that facilitates the distribution of your assets to your intended beneficiaries upon your passing. In this increasingly digital age, your online ‘digital footprint’ or ‘cyber assets’, may also be an important inclusion worth considering.  

Holiday period saving tips

With the holiday period almost here, it can be easy to let your holiday spending get the best of you. In this article, we provide you with several saving tips to help keep your holiday spending in check, whilst still allowing you to have the well-deserved break that you have been looking forward to.

Weekly Market Review

The latest news and information on key Australian companies and the broader Australian sharemarket

Weekly Market Review

The latest news and information on key Australian companies and the broader Australian sharemarket

November Economic Update

The outlook for the world economy continues to strengthen, particularly in the formerly moribund eurozone, and it provides greater support for growth-oriented assets. But valuations remain expensive across all asset classes, and are vulnerable to an eventual normalisation of interest rates, which is already under way in the United States and the United Kingdom, although it is still some time away in the eurozone and Japan. Investors also appear overly complacent about potential risks that could kick away the props for today’s expensive valuations. In Australia, official and private-sector data point every which way, and while there are some hints, it is still not clear that the economy has moved into the higher gear that would support improved growth asset prices.

Weekly Market Review

The latest news and information on key Australian companies and the broader Australian sharemarket

Weekly Market Review

The latest news and information on key Australian companies and the broader Australian sharemarket

Cryptocurrency, Bitcoin and blockchain

How we pay for goods and services has significantly changed over time. The most notable was the move away from a barter system to what we now know as the currency system. Recently there has been talk regarding cryptocurrency, Bitcoin and blockchain. In this article, we explain what they are.

Enlightening Warren Buffett quotes

Warren Buffett, known as the ‘Oracle of Omaha’, is arguably one of the most successful investors of all time. In this article, we take a look at some of his most famous quotes and apply the meaning behind them to certain areas of your personal finances, such as investing, risk management and philanthropy.

Superannuation: Revisiting the basics

Given the continual changes, it can be easy to see why some wealth accumulators and retirees have become frustrated with super; however, it’s important to remember the key benefits that continue to make it such a powerful investment structure. In this article, we discuss several of these.

Weekly Market Review

The latest news and information on key Australian companies and the broader Australian sharemarket

Storms, floods and fires.  Are you covered?

Australia is a great place to live but it is also a harsh environment. Taking some time to do your insurance homework will help ensure maximum protection for your home. Having your home damaged or destroyed in a natural disaster is devastating. Here are some tips that may help you find out if your home is in a natural disaster prone area, and work out if you have adequate insurance cover for many types of natural disasters. Source: moneysmart.gov.au

Weekly Market Review

The latest news and information on key Australian companies and the broader Australian sharemarket

Weekly Market Review

The latest news and information on key Australian companies and the broader Australian sharemarket

Hi Mum and Dad - May I have some money?

Although some parents are dead against it, many like the idea of giving their kids a bit of assistance to get started into adulthood. Regardless of what you look at, the earlier you start, the easier it will be.

Weekly market review

The latest news and information on key Australian companies and the broader Australian sharemarket

What is an investment (insurance) bond?

Depending on your personal circumstances, you may find that an investment bond forms a component of your overall investment portfolio. In this article, we take a look at what an investment bond is and some important considerations before investing in one.

Recognising and dealing with financial stress

Financial stress can arise at any point in your life. The cause, and the resulting level of financial stress, can vary. It’s important to recognise and deal with financial stress when it does present itself. In this article, we explore several ways to help deal with financial stress. 

Retirement savings and longevity risk

One of the risks facing retirees is the potential of running out of money in your retirement savings by living longer than expected; this is commonly referred to as longevity risk. In this article, we discuss several considerations for retirees in regards to longevity risk.

Weekly market review

The latest news and information on key Australian companies and the broader Australian sharemarket

Pet Insurance - Cover for your furry friends

Owning a pet is expensive, and can be even more so if your pet gets sick or injured and needs veterinary care. Pet insurance can help to cover these costs, but always check what is and isn't covered before you get insurance.

Weekly market review

The latest news and information on key Australian companies and the broader Australian sharemarket

Weekly market review

The latest news and information on key Australian companies and the broader Australian sharemarket

The latest developments in financial markets

In August markets remained calm as equities and sovereign bonds performed well despite geopolitical concerns over North Korea and the US. Domestic shares were positive after a tumultuous reporting season.

The latest developments in the local and global economies

Geopolitical developments dominated news in August, although positive economic momentum continues to be seen in the US and Europe. Australian economic data improved, but is far from signalling tightening from the RBA.

Weekly market review

The latest news and information on key Australian companies and the broader Australian sharemarket

Household expenditure: Finding surplus income

Identifying and using surplus income can be helpful at any stage of life, whether that be during your wealth accumulation or retirement years. In this article, we look at household expenditure to identify areas where surplus income potential may be found.

Running the retirement planning race

To reach the finish line of a marathon, you need preparation, flexibility and perseverance. In many ways, retirement planning is the same, let’s consider some of the parallels between the two.

Crowd sourced funding

From 29 September 2017 you will be able to use crowd-sourced funding to invest up to $10,000 per year in small and medium companies to help them begin or grow their business, or pay off existing debts. Here we explain the key things you should know before investing in this new way (Source: Moneysmart.gov.au)

Direct debits.  What can go wrong?

Direct debits can help you organise your finances. Make sure you understand how they work and what to do if you want to cancel them. Source: moneysmart.gov.au

Weekly market review

The latests key developments in Australian companies and the overall Australian sharemarket.

Weekly Market Review

The latests key developments in Australian companies and the overall Australian sharemarket.

Weekly Market Review

The latests key developments in Australian companies and the overall Australian sharemarket.

Running the retirement planning race

To reach the finish line of a marathon, you need preparation, flexibility and perseverance. In many ways, retirement planning is the same, let’s consider some of the parallels between the two.

Developments in the global economy

Global inflation remains lower than expected despite improving growth and tighter labour markets. This is likely to see central bank actions delayed in the case of Europe and Japan, and restrained in the US.

Weekly market review

The latests key developments in Australian companies and the overall Australian sharemarket.

Developments in financial markets

Markets have remained calm and globally risk assets performed well as volatility continued to fall. Domestic shares were flat after a volatile month, despite a surge in commodity prices and index heavyweights.

Market Review

The latests key developments in Australian companies and the overall Australian sharemarket.

Tax time and deductions: Work-related expenses

Whether you prepare your tax return yourself, or use a registered tax agent, it’s important to get your deductions right. In this article, we discuss several of the most common work-related expenses that you may be eligible to claim.

A helping hand: Child care benefit and rebate

Returning to work after having a family may mean thinking about child care. In this article, we discuss the Child Care Benefit and Child Care Rebate provided by the Government to eligible families.

Super focused: Your annual super statement

Your annual super statement has lots of important information to help you better understand your super. In this article, we cover some key things to check in your annual super statement before filing it away. 

Interest  rates, wages and inflation

RBA Governor Dr Phillip Lowe confirms lower interest rates, wage growth and inflation are words rarely used in a single sentence. However, this is a description for the lacklustre Australian economy of 2017.

Weekly Market Review

The latests key developments in Australian companies and the overall Australian sharemarket.

Developments in the global economy

In June, the US Federal Reserve tightened monetary policy for the second time this year. While the Australian, European and Japanese central banks left rates unchanged, the general consensus was of improving economic conditions, suggesting we have come to the end of the global easing cycle.

Developments in financial markets

Despite central bank-induced worries at the end of the month, equities managed to post positive returns in most non-European regions whilst bond yields moved higher.

Weekly Market Review

The latests key developments in Australian companies and the overall Australian sharemarket.

Fidelity Investment Experts Outlook

How are Australian, Global and Asian equities positioned for the rest of 2017? Hear from Fidelity Inertional's Paul Taylor, Amit Lodha and Catherine Yeung on what they are expecting.

Fidelity International Asset Class Outlook: Cautious Optimism

Bull markets are born on pessimism and die on euphoria. What are the three key themes to look out for in 2017? What can investors expect from Equities, Fixed Income and Alternatives in Q3?

Weekly Market Review

The latests key developments in Australian companies and the overall Australian sharemarket.

Income Protection: Indemnity and agreed value

One important factor when considering the establishment of an Income Protection insurance policy is the benefit type. In this article, we discuss the difference between indemnity and agreed value.

Future self-continuity: Preparing for the future

When considering your personal finances, is there a battle between your present and future self? In this article, we look at the importance of aligning your present self with your future self.

1 July 2017 – New financial year, new rules

The new financial year has ushered in many legislative changes when it comes to personal finances. These are most noticeable in superannuation, but also impact other areas. Read more about these changes and how they may affect you.

Enter the new era of superannuation

Changes were made to super on 1 July 2017 that affect super contributions and the way super and retirement income is taxed. Here we explain how the changes may affect you, whether you are contributing to super, about to retire or already retired.

Weekly Market Review

The latests key developments in Australian companies and the overall Australian sharemarket.

5 resolutions for a new financial year

A new financial year, just like a new calendar year is a great time to set new goals and make resolutions. For many people, setting resolutions is the easy part, but sticking to them can be quite difficult - some tricks on setting resolutions you can actually achieve.

Weekly Market Review

The latests key developments in Australian companies and the overall Australian sharemarket.

Top 5 Questions for High Income Individuals

Superannuation changes announced by the Australian Government start on 1 July 2017 – with high income individuals amongst some of those who may be affected. To debunk some of the misconceptions surrounding the reforms, we have outlined five of the most frequently asked questions, to help high income individuals prepare for and better understand the changes ahead.

Top 5 Questions For Retirees

Superannuation changes announced by the Australian Government start on 1 July 2017 – with retirees amongst some of those who may be affected. To debunk some of the misconceptions surrounding the reforms, we have outlined five of the most frequently asked questions, to help retirees prepare for and better understand the changes ahead

Australian market review

The latests key developments in Australian companies and the overall Australian sharemarket.

Developments in the global economy

The bank levy dominated the budget debate, while the lacklustre domestic labour market remains a drag on growth. International economic statistics continue to point to stable, but unexceptional, growth momentum.

Developments in financial markets 

Poor performance of the banking sector dragged the ASX200 lower in May, while international shares were mainly higher on continued positive economic news. Bond yields were mainly lower as US rate hike uncertainty re-emerged.

Weekly equities note

The latests key developments in Australian companies and the overall Australian sharemarket.

Income Protection: Supplementary provisions

There are many benefits to holding Income Protection insurance. In this article, we discuss several supplementary provisions held within some Income Protection insurance policies that have a focus on enhanced coverage.

Diversification fundamentals in portfolio construction

You’ve probably heard the saying, “Don’t put all of your eggs in the one basket”, but what does it mean? In this article, we explore the importance of diversification when it comes to portfolio construction.

EOFY planning: Tax and superannuation strategies

The end of financial year is close. In this article, we look at end of financial year planning strategies that may be worth considering, when it comes to tax and superannuation.

Weekly equites note

The latests key developments in Australian companies and the overall Australian sharemarket.

Weekly equities note

The latests key developments in Australian companies and the overall Australian sharemarket.

Weekly equities note

The latests key developments in Australian companies and the overall Australian sharemarket.

Weekly equities note

The latests key developments in Australian companies and the overall Australian sharemarket.

Australian Labour Force Survey - First Impressions

April saw the Australian Labour market add 34,000 new jobs causing national unemployemnt rate to fall from 5.9% to 5.7%. By Andrew Hanlon Westpac Senior Economist Andrew has been with Westpac since 2002. After starting his career in the public sector, Andrew worked at the Commonwealth Treasury in Canberra, before enjoying a stint at Parliament House, where he worked as an adviser to the Finance Minister. His main focus is analysing the Australian macro economy.

Aged care services: Home care packages

If you or a loved one requires higher-level aged care services, but would still like to reside at home then a Home Care Package may be an option to consider. In this article, we take a closer look at how this service works.

Considerations for becoming a loan guarantor

The domestic housing market has received considerable attention over the last 12 months due to concerns around housing affordability, especially for new entrants. In this article, we discuss things to consider before becoming a guarantor on a loan for a family member.

Financial mindsets of the super wealthy

Whilst on the path to financial freedom, occasionally it can be helpful to gain perspective along the way, by considering and then reflecting on the financial attitudes and behaviours of others. In this article, we look at several of the interesting findings from the 2017 Wealth Report.

2017 Budget: Fairness, opportunity and security

The 2017-18 Federal Budget delivered on the 9 May 2017 was packed with several already anticipated moves, whilst also delivering a few surprises. In this article, we provide a summary of the main announcements that may affect you.

What the 2017 Federal Budget means for you

On 9 May 2017, the Turnbull Government delivered the 2017/18 Federal Budget. According to the Treasurer, this year’s Budget is about making the right choices to secure better days ahead.

Weekly equities note

The latests key developments in Australian companies and the overall Australian sharemarket.

Putting the perspective into politics

Two distinct camps are emerging in the markets: one emphasising the uncertain political outlook and the other downplaying the political impact on the wider economy. Paras Anand, CIO Equities, Fidelity International Europe, argues that the heightened sense of a political ‘black swan’ event is overshadowing the important trends of a reduction in systemic risk since the Global Financial Crisis and the relentless onward march of technology.

Weekly equities note

The latests key developments in Australian companies and the overall Australian sharemarket.

Weekly equites note

The latests key developments in Australian companies and the overall Australian sharemarket.

Small business CGT concessions

If you are considering selling a small business or the assets it uses, you may be eligible for a range of CGT concessions to help reduce the capital gains tax associated with the sale. We discuss the several concessions that may be available to you.

Aged care services: Commonwealth home support programme

For the majority of people, being able to live independently in your home as you age is what you want, but the reality is that sometimes you may need some help. In this article, we focus on the Commonwealth Home Support Programme.

Exploring goals-based investing

The foundation of goals-based investing lies in ensuring that there is alignment between your financial goals and objectives, tolerance for risk and the way your investment portfolio is ultimately invested. We explore this in a little more detail.

Weekly equities note

The latests key developments in Australian companies and the overall Australian sharemarket.

Weekly Equities note

The latests key developments in Australian companies and the overall Australian sharemarket.

Weekly equities note

The latests key developments in Australian companies and the overall Australian sharemarket.

Weekly equities note

The latests key developments in Australian companies and the overall Australian sharemarket.

Electricity bills: Time to get wired

It is probably safe to say that at some point in your life you have opened your electricity bill and have been a little surprised with the total amount due – and, not in a good way. We charter our way through the ‘household-electricity-sphere’ to help you become a little more energy-savvy in the future.

Capturing the super cap limit deadline

The annual concessional and non-concessional contribution cap limits (and the maximum bring-forward rule) will decrease from 1 July 2017. We explore the opportunities to maximise your super contributions now and into the future.

Weekly Equities Note

The latests key developments in Australian companies and the overall Australian sharemarket.

Weekly equities note

The latests key developments in Australian companies and the overall Australian sharemarket.

Weekly equities note

The latests key developments in Australian companies and the overall Australian sharemarket.

Weekly equities note

The latests key developments in Australian companies and the overall Australian sharemarket.

The pitfalls of DIY Will kits

According to recent research, approximately 45% of Australians pass away without a will, or intestate. We explore why DIY will’s may not be the solution to your estate planning needs.

Interest rate predictions in 2017

A belief held by many economists is that there is at least one more interest rate cut expected from the Reserve Bank of Australia this year should employment, wages growth, and household spending continue to remain sluggish. We examine interest rate predictions and what they may mean for you.

Medicare & private health insurance

The ongoing debate about private health insurance appears to be a constant one among Australians, especially when premium increases each year come to the forefront. We look at several reasons to consider retaining or taking out private health insurance. 

Weekly equities note

The latests key developments in Australian companies and the overall Australian sharemarket.

Trauma: Exploring beyond the big four

When considering the potential for a future claim on our Trauma insurance, we often think about the big four traumatic medical events e.g. heart attack, stroke, cancer and coronary artery bypass. It is important to remember that contemporary trauma insurance policies now also provide greater protection with the provision of a much larger range of specified medical events.

SMART Budgeting

For many of us that make resolutions, during or at the end of the year, we often unfortunately set ourselves up to fail. This may be due to a combination of factors such as unrealistic expectations, ill-defined goals and objectives, poor time management skills, the wrong mindset or simply just getting distracted with life. Find out about the SMART principle and its application to budgeting.

Update: Superannuation reform package

The dust has now settled, and several new tax and superannuation bills have been formally passed through the House of Representatives and Senate corresponding to the Government’s ‘Superannuation Reform Package’ announced back in the 2016 Federal Budget. The majority of the Government’s proposed changes have made it through parliament.

A 'Living' Will: Advanced care directives

We generally expect that our wishes for medical treatment will be respected, but what happens when we are not able to make decisions, due to an accident, sudden illness, or a progressive disease.  Having an advanced care directive is a way to ensure that our preferences for medical treatment are considered at a time when we may be unable to express them. 

TPD claim definitions explored

For many of us Total and Permanent Disablement cover forms a component of our overall personal insurance plan; in the event of a disabling sickness or injury it has been designed to help to take the financial stress off the table at a time when our world has been turned upside-down. In this article, we explore the types of claim definitions available and their respective differences.

The three-bucket approach to retirement investing

When devising a retirement plan, there are several different strategies that a financial adviser can employ to make sure that you have enough to meet your retirement lifestyle needs. This may or may not include relying in part or in whole on other sources of income such as the Age Pension at some stage. We’ll focus on one such strategy – the ‘bucket’ approach.

Global Economic Update

A global economic update in a snapshot.

RBA at end of the road despite weak growth patch; fiscal policy needs to step up

Source: Westpac Institutional Bank Author: Bill Evans Chief Economist

What you need to know about the new superannuation rules 

The Senate have now passed the Super measures announced in this year's Federal Budget, The passage of these key superannuation reforms provides a level of certainty.

Global Economic Update

The lead up to the US Presidential election was a key focus area for investors during October, along with central bank policies. Most asset classes declined over the month or offered flat performance.

Taking care of your castle

Wealth accumulation can be as simple as putting aside money each week into a high-interest savings account, paying down your debts, or building a diversified investment portfolio inside or outside of superannuation. Does the family home also come into mind when considering your personal wealth?

The sharing economy and pre-retirees

According to recent data, there has been an increase in the number of pre-retirees – 55-64 year olds, participating in the sharing economy (such as Uber, Airbnb and Gumtree) in an attempt to boost their wealth and income.

Helpful tips in detecting pyramid schemes

Have you ever sat around the dinner table with a friend or family member or attended an ‘investment’ conference or seminar and repeatedly heard someone say, “Now, this is not a pyramid scheme”? Pyramid schemes are illegal schemes under Australian Consumer Law.

US Election

Implications for the US economy The election of Donald Trump to the presidency creates a great deal of uncertainty over both the economic and policy outlook for the US. This is an initial reaction.

Sports betting & gambling can really hurt you

There’s been recent cover in the news on how we are becoming increasingly exposed to gambling, due in part to the many options now available to us online. Being more informed can help you gain a better understanding of how gambling can impact you and your family.

Multiple super accounts and you

Regardless of your age, one of the ways to help you grow your wealth and prepare for retirement is to take an active interest in your super sooner rather than later. A good place to start is with some simple housekeeping. If you have multiple super accounts weigh up the pros and cons and consider the impact this may have on your end ‘retirement nest egg’. 

A family who talks about money

In our busy lives, talking about money matters with our family may prove to be a daunting and sometimes emotional subject, especially around the dinner table. However, avoiding these often difficult conversations may have several drawbacks in the future.

Quarterly Economic Outlook

A summarised economic outlook for the quarter ahead

REITS - What are they and how do they work?

When most people think about investing in property they tend to think about residential homes or commercial properties such as shops, offices or industrial buildings. But there is another way to invest in property through listed property securities often referred to as Real Estate Investment Trusts or REITS. What are REITS and how do they work?

Why are interest rates so low?

The official cash rate in Australia now sits at a record low 1.5 per cent. The Reserve Bank of Australia cut the official cash rate in August for the second time in 2016. So why do interest rates move up and down all the time? 

7 things to consider before you renovate

Are you planning a renovation? Renovating a property is more than just a pure financial decision. It can have significant implications not only for your cash flow, but also for your lifestyle. So before you get going, take stock and make sure you’ve considered everything.

Making sense of your super statement

It’s that time of year again, it won’t be long now before your annual superannuation statements will arrive (if they haven’t already). Superannuation can be full of confusing terms. Deciphering the jargon can be a challenge. We explore some common terms to help you.

Your guide to becoming a Philanthropist

There is a common misconception that in order to give you need to be wealthy, and that the only thing you can give is money. But the truth is that there are many different financial and non-financial ways that you can give to others. See how you can bring philanthropy into your life and make a real difference.

Will you be affected by changes to the Age Pension?

The proposed changes to the Centrelink Age Pension announced in last years’ federal budget are now law, and will take effect from 1 January 2017. Two significant changes will be imposed, these may be good and bad news for Age Pensioners. It’s important to review these changes and understand how they may impact your or your family member’s entitlement.

5 resolutions for a new financial year

A new financial year, just like a new calendar year is a great time to set new goals and make resolutions. For many people, setting resolutions is the easy part, but sticking to them can be quite difficult - some tricks on setting resolutions you can actually achieve.

The hunt for yield - investing in a low return environment

In the current environment many investors are seeking additional sources of return for their portfolios, but with slower economic growth and low interest rates this can be difficult to find and can often lead to investing in higher risk strategies.

How to get financially sorted after a breakup

Breaking up is hard to do! Particularly when it comes to getting back in control of your finances. We outline some important steps that you’ll need to take following divorce or separation.

Your guide to utilising super contributions

This year's Federal Budget included an array of changes to superannuation, for many people, this has created a window of opportunity to utilise super contributions prior to 1 July 2017. Here's what you need to know.

Hopping on the investment bandwagon

If the majority of a group is doing a certain thing, it becomes increasingly difficult not to follow the group. This pressure can affect many different aspects of behaviour, even decisions we make with our money. Understanding these biases can assist you in making better decisions.

Your consumer rights - do you understand what they are?

Australians buy goods and services almost every day, but how many of us really understand what we’re covered for when it comes to making a purchase? It might surprise you, save you money and unnecessary headaches.

An unorthodox solution

Challenging times call for unusual solutions, and the idea of negative interest rates is particularly unorthodox. Tim Rocks, Head of Market Research and Strategy, considers how negative interest rates operate and whether they can have a positive impact.

Blame it on the brain

When it comes to making investment decisions, research shows we are our own worst enemies, with our brains better hardwired for stone-age survival than complex economic decisions in the modern world.

Being a confident Investor

In recent years, with the global economy going through a relatively chaotic phase, we’ve seen plenty of screaming headlines like “$40 billion wiped off Australian share market in one day!” “Markets brace as crisis in Europe flares up again.” These headlines might be great for selling newspapers, but they’re not much use to us as investors and can seriously mislead us.

Give your insurance a 5 point check

Insurance is one of those things many of us set-and-forget, but a quick review of your insurance policies at least once a year is a worthwhile exercise that can help save costs and ensure peace of mind. So where do you start?

10 ways to protect yourself against identity theft

Identity theft cost Australians in excess of $1.6 billion last year. In this article, we explore ways to protect your personal information and reduce the risks of falling victim to this serious crime.

2016 Federal Budget Overview - How it affects your family and your wallet.

The 2016 Federal Budget may impact you more than you think, mainly because your tax dollars go towards making it happen, but also because changes were announced that affect nearly every Australian.

Plan B if the Federal budget cuts superannuation contribution caps

Investors faced with the prospect of being able to put less into superannuation are already looking for other ways to boost their retirement savings. While it won't be clear until budget night on May 3 whether pre-tax super contribution caps will be lowered, financial advisers say if this does happen, there are other (albeit not as tax-effective) strategies to add to retirement nest eggs.

Funding the golden years - not just about superannuation

By Tim Rocks, Head of Market Strategy and Research BT Financial Group

Cutting super caps would cost savers thousands

By Kate Cowling Australian Financial Review

6 Ways to Support Ageing Parents

There are many different ways to assist ageing parents in better managing their financial affairs and even small things can make a difference. We provide you with some useful tips to help you through this process.

Surviving a critical illness or trauma

With early diagnosis and advancements in medical treatment, the chance of surviving serious illnesses such as heart attack, stroke or cancer is much higher than in years gone by. However the process of recovery can be emotionally and financially draining. So how do we protect ourselves?

Get a head start - 5 things you can do now to plan for financial year end

Tax time can be a breeze for some and a nightmare for others. As we are just a few months away from the end of financial year, now is the perfect time to organise your financial affairs with our end of financial year planning tips!

How to find lost super?

A lost member is a member of a super fund who is inactive, uncontactable, or transferred from another super provider as a lost member. A member is not a lost member if their address has been confirmed in the past two years, or they have indicated that they want to remain a member.

Never too early to be tax ready

It’s really important to consistently focus on how to improve your personal finances. But good intentions aside, there’s nothing like a deadline and the end of the financial year (EOFY) is one of the key dates to aim for when it comes to tax planning.

Understanding Investment Styles

Different portfolio managers have different styles when it comes to how they invest. This article takes a closer look at active and indexed investing styles and the philosophies that guide them. Do you know the difference?

Taking a break? Don't forget your super.

People often take a break from work to manage changes in their lives. When this happens, they’re also taking a break from receiving super contributions, which may affect their retirement savings. But there are things you can do to help manage this gap.

Changes to the Personal Asset Rules for SMSFs

New changes to the Personal Asset rules for SMSFs will affect which assets count as investments and how they are to be treated if held by the SMSF. Review the changes to ensure you are across this before 1 July.

The split in the road

Monetary policies have slowly started to diverge, with the US looking at tighter policies while other countries are still focusing on further easing. Of these, Japan took the unexpected decision to move to negative rates while the Eurozone is anticipated to offer further quantitative easing in coming months. Currencies have also been a focus for the year after China depreciated the yuan pegging it to a basket of currencies rather than its historic peg to the US dollar. By Tim Rocks - Head of Market Research and Strategy BT Investment Solutions

From pillar to post

Weak commodity and oil prices are putting pressure on mining and energy company profits. This, in turn, raises questions about their ability to repay creditors; hence the spike in high-yield credit spreads and the concern around banks – particularly European banks. On its own, this issue would concern investors. However in this instance it has been tossed into a market already skittish over the potential for policy mis-step, on two fronts: will there be a hard landing in China (worsened by capital outflows), and can the Fed embark on a tightening cycle without tipping the economy into recession? BT Investment Solutions

Back to School: Teaching Gen Y About Money

If you have a Gen Y in your family, you may have noticed that their attitude to money is different to yours. Here are some things you can do to help your Gen Y stay on track financially. 

Love Me, Love Me Not: Financial Considerations for Moving in Together

Moving in with a partner can be an exciting time, but don’t just jump in. Take the time to think upfront about the financial practicalities and what it could mean if things don’t go according to plan. This might apply to you or a loved one.

Making Your Estate Plan Count

Do you have a robust estate plan and is it up to date?  There are important things to consider as you go through the process of developing or reviewing your estate plan. These can make a big difference to your dependants and loved ones.

SMSFs - the pros and cons

Self-managed superannuation funds or SMSFs continue to achieve spectacular growth in Australia. Review this video to give you an idea about what are the pros and cons behind these funds

5 new year resolutions

Start the new year with the right financial footing

Moving back into the market

The question remains whether now is a good time to move back into the market

Boosting super contributions

Strategies to help boost your super for retirement

Does being ethical give you good returns?

The low down on ethical investing

Getting income investing right

Investing with a focus on generating income rather than just chasing capital growth alone

Top client concerns about the market

Volatile markets can cause stress and frustration, especially when you are not adequately prepared

Overcoming a concentrated portfolio

Diversify and keep your eggs in different baskets

Time to revisit fixed income

An concise discussion of the often misunderstood asset class of fixed income

What to do with falling superannuation contribution caps

Strategies to help build your superannuation to help provide for that comfortable retirement

Keeping your long term focus

Often short term pain brings long term gain

Top investment mistakes to avoid

Some tips to avoid making some common mistakes in a volatile market

China: three reasons for some cheer

In the midst of the negativity and sell-off in Asian markets, I am starting to turn a bit more optimistic. By: Samir Mehta Senior Fund Manager, JOHCM BT Investment Management

Market Update

Global equity markets closed sharply lower last week, adding to the sell-off we saw in the first week of the New Year. The prospect of a slowing China has cast a long shadow over markets at the start of 2016, sending commodity prices into a tailspin and leading to a broad based slump across stocks.

Mind Games: What's Your Bias?

You may have heard about investor bias, but do you know how it affects you? Have a look at these common investor biases and see how they may influence your financial decisions. Even having awareness of them can help. 

Energy Efficiency: Saving over Summer

Making your home more energy efficient is a good way to save on bills and reduce environmental impact. Read more about what you can do here. 

New Year, New Direction

The New Year is here! Perhaps you are considering some changes this year – a new job, business venture, study or even a sea change?  See our four steps to help you make it happen. 

Personal Insurance – what does it all mean?

Personal insurance plans include a range of different kinds of cover to protect you and your family’s lifestyle in case of an unexpected change to your health. Make sure you know what the terms mean for you. 

Top 10 Financial To-Dos

It’s nearly time to sign off from work and start the holidays. Give yourself a stress-free vacation knowing that your finances are taken care of by ticking off these financial ‘to-dos’. 

Christmas gifts, shopping and saving: 10 hacks to manage the silly season on a budget.By David Simon

By David Simon. Body and Soul Financial Expert. Enjoy the silly season without blowing the budget

6 ways to get active with your super

Most Australians are passive when it comes to super; they let it sit there. But these six simple action steps can actually boost your chances of retiring with more Source: http://www.bt.com.au/getmoving/5-ways-to-boost-your-super/

Fixed Interest Investing

Fixed interest or Bonds is quite a diverse investment category. The fixed interest asset class includes investments such as term deposits, government bonds, corporate bonds and debentures. These are often called income securities. You can also invest in international fixed interest which includes bonds issued by foreign governments and corporates.

Holiday Finances – Six Ways to Help You Save

The holidays are nearly here! Maybe you’re planning a getaway? Make sure you get the most out of your budget too - here are some ideas to help you out at this time of year.

Don’t take a gamble: put a plan in place.

With so many decisions to make in life, we often forget to plan. But certain events are too important to gamble with - have you planned for the things that matter? 

Retirement living - more than meets the eye.

These days there are many different ways people can change their living situation as they get older.  Are you thinking about your next move? Explore the different options that might be suitable to you.

5 financial lessons I wish I'd known in my 20s. By David Simon. Body and Soul Finance Expert.

Whether you're in your 20s now or have friends and family of this age, these simple tips will be a boon for your bank account. By David Simon. Body and Soul Financial Expert

How does your credit rate?

Do you know what your credit score is? Have you seen your credit report? Get informed about your credit history and find out how it affects your access to financial services. A lot more affects your credit score than you might think.

Thinking of investing in property?

Spring property season is here and many investors are on the hunt. Perhaps you are considering whether investing in property is the appropriate choice for you? Here are some things you might like to consider first. 

5 Things to Remember during Volatile Markets

The investment markets are volatile once again. So what should investors do? It can be difficult to sit tight during turbulent times, but it’s important to maintain a balanced perspective. Perhaps these reminders can help. 

The Money Needed for a Comfortable Retirement

We are living longer than we ever had before and the expectation is our life expectancy will keep increasing. So what income will we need in retirement, it ultimately depends on our desired lifestyle. Here are the numbers…

5 Important Things to Understand on your Super Statement

You might have already received your superannuation statement, if not it will arrive shortly. It is a great time to review the important aspects of your statement and what they mean to you. Here are 5 things we believe it is important to understand.

Smart Things To Do With Your Tax Refund

Have you spent your tax refund yet or are you planning to? There can be a number of worthwhile options when it comes to spending or investing your tax refund. You might utilise a couple of different ideas. We explore a few.

We Are What We Repeatedly Do

We all have a bad habit or two, whether financial or otherwise. This article shares the top tips for how to create a new habit or change an existing one. You might find it is simpler than you thought.

Parents Returning to Work

There are many things to consider when returning to work after caring for young ones. There are both financial and non-financial considerations. This article explores the important things that need to be considered.

Credit balance transfers - should you stay or should you go?

Credit Card balance transfers can be a little tricky, however they can be beneficial. It is wise to compare apples with apples and be clear on honeymoon interest rates, fees and repayment terms. Find out what the benefits are and what to watch out for.

The Cost of Insurances – Stepped Vs. Level Premiums

In this article we explain that when taking out personal insurances you have the choice of how the premium cost is structured and how much you will pay for your insurance cover over the life time of your policy.

What You Need to Know About Salary Sacrifice

You may have heard of the term salary sacrifice before but are not sure what it means or how it works? In this article we take a look at salary sacrifice in more detail as it relates to superannuation.

Are you prepared for a financial rainy day?

When the unexpected happens and unplanned financial expenses occur do you have the funds at call ready to cover them or are you someone who uses credit to bail yourself out?

The Risks Facing Retirees

When it comes to retiring, there are a number of risks that retirees face that are specific to the retirement life stage. This article explores the most common risks retirees face and how to prepare for and manage them.

Trauma Insurance & The Big 4

Trauma Insurance was first introduced in 1983. What’s the purpose and why is it needed?

Four Ways to Boost Your Spouse’s Super

Is your superannuation balance bigger than your spouse’s? In this article we explore 4 common ways you can boost your spouse’s super balance.

‘Bob The Builder’ Budget – What’s in it for you?

The 2015 Federal Budget was relatively tame, with a big focus on creating jobs and stimulating economic growth. Our article looks at what’s in it for you. From the changes for the young and unemployed, for families, business owners, to the over 50's and the already retired.

Retirement is not for me!

While most of us can’t wait to finish work and retire an increasing number of Australians are also opting to maintain an active lifestyle and career into their 70’s and beyond. Why are people choosing to delay retirement?

Investment, Super or Mortgage - which may be appropriate?

Knowing just what to do with surplus cash can be difficult. How do you figure out whether it’s better to invest in your own name, pay down your mortgage or put more in your super fund?

Tax time basics – time to get sorted pre 30 June!

The end of another financial year is fast approaching and now is a great time to think about the ways you can build and protect your wealth. Here are some great ideas in the lead up to 30 June.

The secrets to a healthy work / life balance

Due to technology and social media, the boundaries are blurring between work and home and it?s becoming hard to separate work and non-work. What are the secrets to a healthy work / life balance?

What are you leaving behind – An inheritance or a legacy?

Are you leaving an inheritance or a legacy? What’s the difference? We explain in this article.

5 Reasons Why You Need to Review Your Personal Insurances

It certainly isn’t recommended to make changes for change sake, but your Life insurance should not be established with a “set and forget” mentality. We take a look at 5 reasons why you may need to review your personal insurances.

Who sets the price? Tips for working out the value of your home when selling.

How do you work out the value of your home when you want to put it on the market? Do you leave it up to the real estate agent to tell you what they think it’s worth, or should you set the price? 

10 Tips for Teaching Children about Money

From a young age children are exposed to the concept of money and what they are taught about earning, spending and saving money can influence their adult relationships with money and whether they?ll have a successful financial future.

Receiving a Redundancy?

The restructure of a business may lead to a reduction in staff numbers with certain positions being made redundant. Most people whose position is made redundant find it a very difficult time to deal with.

The real cost of raising kids

Parents want lots of things for their children. They have dreams for them from the moment they are born. We explore the financial cost of a happy life, a good education and plenty of opportunities for your kids.

Five things every early retiree needs to know!

If an early retirement is something you aspire to, here are five things you need to know.

How to Go Broke, Fast!

If you’re looking to go broke then here are a few tried and tested money mistakes that people make and which can put you on the road to financial distress, fast! If you don’t want to go broke, avoid these.

Take Control of Your Super

For most Australians, superannuation represents their largest single investment after buying their own home. The more you know about your super and the more control you have over it, the greater your chance of reaching your retirement income goals.

Don’t get caught out by Cyber Criminals

According to the 2013 Norton Cyber-crime report, around 5.4 million people in Australia were targeted by online criminals in the last 12 months at an estimated cost of $1.65 billion. Worldwide, around 556 million people were affected by cyber-crime at a cost of around $113 billion!

A simple guide to Superannuation anti-detriment payments

You may be aware that in the event that you are to pass away, your superannuation benefits will not automatically form part of your estate assets. Instead, superannuation death benefits are normally distributed via a beneficiary nomination.

Divorce and the Split of Assets

When a marriage, or a de-facto relationship breaks down, the task of separating finances can be very difficult and stressful. This article looks into the financial implications of divorce with regards to asset splitting.

Tips for reducing your home loan using an offset account.

What if you could reduce the interest on your home loan without making extra repayments on the loan? An offset account may enable you to do just that.

The Art of Giving

The Christmas season - a time for giving, is fast approaching. Donating to charity is a wonderful way to support the wider community and those in need. This article takes a look at the ins and outs of donating to charity.

Are you due a $500 Super Refund?

If you’re earning less than $37,000pa and you or your employer make concessional (before-tax) contributions to your superannuation fund then you may be eligible for a refund of up to $500pa. Our article explains how.

How to nail a renovation - tips for planning and budgeting for a renovation

The benefits of a well-planned and executed home renovation are both financial and personal. Whilst renovating can be very exciting, it can also be quite stressful if not managed or budgeted properly. Here are our top tips to for planning a renovation:

The Most Common Mistakes Retirees Make

Given the complexities of retiring, even with a plan, you can sometimes make mistakes.

But the good news is that we can learn from some of the more common mistakes that retirees make, in the hope that we may be able to avoid making them ourselves.

Understanding the Superannuation Bring Forward Rule

There are a few rules and limits with Non-Concessional Super Contributions. We explore the age-based contribution limits and the Bring Forward Rule and how they might apply to your situation.

Ownership - Joint Tenants Vs Tenants in Common

There are fundamental differences between Joint Tenants VS Tenants in Common, we review the importance of getting it right when purchasing assets with other people.

Is Cash No Longer King?

This month we highlight the concept of 'real rate of return' and its importance when investing, particularly in low interest rate and high inflation environments.

It’s Never Too Early or Too Late To Save For Retirement

It’s never too early or too late to start planning for your retirement. We investigate what an average retirement income looks like and how much you might need to save in order to live a comfortable retirement.

Investing in Commercial Property

Investing in commercial property can be via direct investment or through a more diversified approach such as property syndicates or Australian Real Estate Investment Trusts (A-REITs). This article discusses the benefits and risks of commercial property investing.

What is that cup of coffee really costing you?

For many people picking up a coffee on the way to work is as routine as brushing their teeth. But do you know what your coffee habit is really costing you?

The Role Of An Executor

Do you know if you are an Executor of somebody’s will? Before appointing an Executor in your Will, or agreeing to be an Executor of someone else’s estate, it is important that you understand the implications of this decision and the roles and responsibilities that come with the title of Executor.

Franking Credits – An IOU From The Tax Office

In this article we explore the concept of imputation credits, also known as franking credits and how they can benefit Australian investors.

What Does Money Mean To You?

Money is often referred to as wealth and people measure wealth in different ways. Some think of wealth as being their total assets, whilst others use their annual salary and some their hourly wage. But what exactly is money and what does it represent to you?

Jargon Buster – Federal Budget Edition

You don’t need to be an economic whiz to understand the Federal Budget, just take a quick look at our “Jargon Buster – Federal Budget Edition” for explanation of key terminology used by politicians, economists and the media when talking about the budget.

Australian Federal Budget 2014

The Treasurer Joe Hockey announced the toughest Federal Budget since 1996 with the tightening of the nation’s belt and a focus on cost cutting to lower the nation’s $49.9 billion deficit. The budget measures announced propose a reduction in the deficit next year to $29.8 billion and a gradual decrease over the next 3 years following to an estimated $2.8 billion in 2017/18.

Stop Horsing around - Tax Time Tips

As it has been said, there are two certainties in life – Death and Taxes. Death can be a little out of our control, however taxes can be something that we can proactively make a difference with. Kerry Packer was clear on tax minimisation...

The Australian Federal Budget Explained

The Australia Federal Budget is a hot topic at the moment and this article is a timely discussion explaining why the Australian Government has a federal budget, what it is designed to do and how it is implemented.

Know your limits - changes to super contribution caps

From 1 July 2014, the non-concessional (after-tax) and concessional contributions limits will increase as a result of indexation in line with average wages (AWOTE). Find out more here.

Super for the Self Employed

Self Employed with no super. For 25% of self-employed Australian’s this is the reality they are currently facing. Just because super isn’t compulsory for the self-employed doesn’t mean it shouldn’t be a priority. Our article explains why.

Another reason to pay your bills on time!

Recent changes to the Privacy Act have changed what information is recorded in our credit reports. Failure to pay our bills on time could now have significant consequences on our ability to secure finance in the future.

Children and Pocket Money

The decision on whether to give children pocket money, at what age, and how much will largely depend on your family values and financial position. What benefit does a little pocket money have in teaching children how to manage money?

The importance of a Comprehensive Estate Plan

We may not like to think about it – but when it comes to our death, it pays to plan ahead. Here are some steps you can take to reduce the financial stress that result from poor estate planning.

Understanding Movements in the Australian Dollar

This article explains in brief some of the key concepts relating to currency, currency risk and what changes to currency means for investors in international funds.

The Rule of 72

Did you know that there’s a simple way to work out how long it will take you to double your money? You might not even need a calculator!

Does a New Year Resolution set you up to fail?

Did you know that 88% of New Year’s resolutions don’t stick? Understanding why we so often fail at sticking to our New Year’s resolutions helps us construct a plan that will actually increase our chances of sticking with these resolutions.

Making a Transition to Retirement

These days many people are choosing to make a more gradual transition from full-time work to retirement. This article explores the various ways a Transition to Retirement Strategy could benefit you if you are nearing retirement.

The Basics of Self-Managed Super Funds

It seems almost every second day the financial media is discussing Self Managed Superannuation Funds (SMSFs). Over the past decade SMSFs have become very popular, although they are not necessarily well understood. So, what is a Self-Managed Superannuation Fund, and what makes them different from a “standard” superannuation account?

When Age 65 is Too Young to Retire

Turning age 65 may signal retirement for many, but age is just one of many triggers that may indicate that you are ready to retire. In this article we look at three main considerations for timely retirement.

Tips for Reducing Food Waste and Saving Money

According to a recent survey and campaign by Foodwise, it is estimated that Australian Households throw out approximately $7.8billion worth of edible food each year.

Concessions - Helping out Senior Australians

There is a range of concessions available to Senior Australians. The type of concessions that apply will largely depend on your age, location and whether you're eligible for a pension from Centrelink, Department of Veterans Affairs (DVA) or are considered to be a self-funded retiree.

Accessing Super

Understanding just when you are entitled to access your superannuation benefits can be confusing. Superannuation is designed to help you fund your retirement; therefore there are specific rules...

Debt Management Basics

In this article we look at ways of managing debt.

Interest Rates

In this article we look at the role of the RBA and the different types of interest applied to loans as they reach each of us as consumers.

Tax Time Checklist

With the end of the financial year having just passed, it means it's now time to get ready to lodge your 2012/13 tax return! This article provides our top tips to help you prepare and get the most from your 2012/13 tax return.

Aged Care Reform

When we were children, our parents spent a good deal of time taking care of us – and reminded some of us that one day, we would return the favour.

EOFY Planning

If you feel like you’ve run out of time to get your affairs in order, the good news is there’s a few considerations which can help minimise your tax, and make the most of the money you earn.

The 2013 Federal Budget

This year’s Federal Budget has been quoted as the Treasuer’s Swan Song. This article will briefly review the main points within the Budget.

From Proposal to Law

This article takes a brief look into what is actually involved in the Federal Parliamentary Process and the steps that need to be taken to make a proposal into law.

Proposed Super Changes

If you've been following the news over the past month, then you may have noticed the increased discussion taking place about proposed changes to the superannuation system announced by the Labor Government in April 2013.

What to do with your surplus income?

If your budget points to there being surplus income left over each pay, it helps to have a plan for these savings.