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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.

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.

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.

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.

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.

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?

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.

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.

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.

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.

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.

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!

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?

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.

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. 

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? 

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. 

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.

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.

‘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.

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.

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? 

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.

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.

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?

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.

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.

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?

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!

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.

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.

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.

Changes to First Home Owners Grant

As of the 30th September 2012 the first home owner grant for established properties will end. This will be replaced by the New Homes Scheme from 1 October 2012.

Age Pension

The Age Pension is a Government financial benefit paid to Australian residents upon reaching a certain age, ranging from 60 years and up.

Savings Tips

If things are a bit tight you may be able to spend less without making too many radical changes to your standard of living.

Making small changes can make a significant difference over the longer term.

The 2012 Robin Hood Federal Budget

If you missed the Budget, we have a summary for you, it has been described as taking from the rich and giving to the poor.

Investing in volatile markets

Higher volatility in financial markets is being touted as the 'new norm'. During choppy times in financial markets, investors are prone to making investment decisions based on fear.

When may be an appropriate time to invest?

One way to ride out the financial market volatility is Dollar Cost Averaging. This is a simple investment strategy that takes the guesswork out of the 'right' time to invest.

Compounding beyond interest

For some, it may seem trivial to review the nature of compounding, but it’s such a powerful tool for any investor that it warrants a review in this article.

2011 Federal Budget - As tough as tofu

Do I watch Wayne Swan deliver the Federal Budget for 2011/12 or do I watch Masterchef deliver some fancy food? If you opted for Masterchef, here is a brief summary of some of the main points of the Budget.

Can having a baby be one of the best investments you make?

An Accountant named Graeme decided not to have children, because according to his calculations, it was $250,000 per child to raise. The question is, what do you get for your $250,000?

Is Lotto the way to become wealthy?

Have you bought a ticket in the Lotto? Have you ever looked at the odds? What are the winning odds of buying a Lotto ticket every week for 47 years. You might be surprised.

Why bother planning money?

If you do have future financial goals, such as, retirement, buying a house, paying off your mortgage or buying a car or boat, then planning can certainly help achieve such goals in a timely and effective way.

Hi Mum and Dad - Can 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.

Share trading and calibration of confidence

There was a sad story recently of a middle aged man who gave up his job and decided he would work from home trading shares. He had been to a share trading course and bought the software...

Avoiding the financial skids

What does it mean to calibrate your confidence? Consider the accident ratios for young drivers. Drivers under 21 are more likely to be in a car accident than those over 21. Is the reason for this inexperience and therefore a lack of driving competence?

About Money Personality

Money Personality is an innovative tool which can be used to further understand your preferences for dealing with money. This article provides some interesting background on this concept.

An insane payrise

Before you ask for your next payrise, or receive your next payrise, ask yourself “is this going to be just another insane payrise?”
So what makes for an “insane payrise”?

Will Henry, or the Budget, Change Your Financial Future? Probably not

The Henry Report into the tax system is out, as well as the Government delivered their Budget for 2010. Taking a step back from the detail, one thing is guaranteed – our financial system will keep changing.

What should you do if Interest Rates Rise?

The RBA Governor has recently warned us to expect that interest rates will continue to climb. So what should you do in an environment where interest rates are still on the rise?

An aggressive double gearing strategy

Debt and leverage was one of the main causes of the GFC. How did people lose their homes?

New Year Financial Resolutions

As there are so many areas of finance, it can be overwhelming to review every area of your finances. Here is a short list of suggestions that might help you choose some areas that you would like to review or make a change in.

Your Money Personality influences the car you buy

Your money personality indicates what you are likely to look at, and how you are likely to make a financial decision. It applies to both the significant and trivial, like buying a house, a car and an ice cream.

Sustainability Risk and Your Money Personality

What is the best way to achieve financial success? Money and finance have been around long enough now that surely someone has come up with the best way to achieve financial success.

What’s Your Money Personality?

70% of people experience conflict around money; perhaps the other 30% just don’t talk about it. Swiss psychologist Carl Jung believes that conflict is seldom based on what we are trying to achieve, but an outcome of disagreements on what is the best way to achieve what we want?