Just when you thought investing was easy to understand – you put your money into shares, property, fixed interest, cash, etc. – your adviser starts talking about “investment styles”! In essence, what that means is how fund managers choose the underlying investments for their clients portfolios. There are two traditional ways of choosing stocks that…
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More than $3.5 trillion dollars in inherited funds are expected to change hands within Australia during the next 20 years, with Australians enjoying one of the highest inheritance payout rates anywhere in the world. According to investment bank HSBC’s Future of Retirement report, Australians pass on average $561,000 to their heirs, almost four times the…
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It is commonly assumed that seeking financial advice is for the wealthy, and it only helps the rich become richer, yet financial advice can prove useful to anyone who wishes to better their financial future. Financial advice is like getting a health check-up for your financial situation. Your financial adviser is like your personal trainer,…
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It’s not uncommon for business owners to take short, irregular holidays because they don’t have the support to keep their business running without them for a longer break. Aside from taking time off for leisure, have you considered what would happen if you were forced to take six months off work due to a serious…
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There are many reasons to invest in shares. Some treat it as a bit of a punt, in it for the thrill of pitting our share selection skills against other players in the market. Others look to the market as a generator of long-term wealth. Whatever the motive, with thousands of shares listed on the…
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Financial planning… That’s for people with lots of money to invest, isn’t it? Not necessarily. Sure, investment planning is an important part of financial planning, but underpinning the whole process of creating wealth in the first place is having a good financial strategy. For many people that strategy is taking each day as it comes and…
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While it’s easy to be discouraged by superannuation and fear you will never have enough money saved to stop working, remember even a modest superannuation balance can make a big difference in retirement. For every $100,000 saved in superannuation, you can expect these funds to generate a return of 6%, or $6,000, a year. When…
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For most Australians, the approach of retirement is something to look forward to. Yet it can also be a time that fills us with trepidation, after all, we’ve saved for it, worked towards it, but are we really prepared for it? While Superannuation is a way of saving for life after work, it’s not the…
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Self-Managed Super Funds are among the fastest growing superannuation vehicles in Australia and they’re not just for older investors – investment-savvy Millennials are catching on. The Australian Taxation Office (ATO) reports that significant numbers of people below the age of 45 are investing through Self-managed Super Funds (SMSFs). The proportion of SMSF members in that…
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For most Australians, their 60s is the decade that marks retirement. For some this means a graceful slide into a fulfilling life of leisure, enjoying the fruits of a lifetime of hard work. However, for many it means a substantial drop in income and living standards. So how can you make the most of the…
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