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Archive for category: Strategic Financial Advice
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Super savings for your first home
Let’s face it, getting your foot on the first rung of the property ladder is not only hard, for an increasing number of younger Australians, it’s downright impossible. As housing prices, particularly in capital cities, continue to outstrip wages growth, even saving for a deposit to buy a house can seem all too hard. It’s a bit like taking one step forward and two steps back, right?
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Don't be driven by short-term sentiment and emotion
Arguably, the most common fear holding an investor back from achieving a great return is a misunderstanding of what happens when markets fall (as they invariably do). In order to use fear to our advantage, we would be well served to seek to understand the following three principles around shares and their value ...
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Staying safe online
Financial cybercrime is on the rise in Australia, as the increasing use of technology such as online banking and social media makes it an attractive target for criminals. Despite increasingly sophisticated methods being used, there are a number of things you can do to help you and your family stay safe online.
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Compare principal and interest and interest-only home loans
Finding out which home loan is right for you depends on your personal situation. Are you looking for a home loan to buy your first home, update your current one or as an investment in retirement? Are you confused by all the jargon and what type of home loan is right for you? We delve into two of the most popular home loans: principal and interest and interest-only.
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Millions but not all to benefit from 2017 super changes
With changes to super now in effect, numerous Australians will get a leg up, many being low-income earners. According to the Association of Superannuation Funds of Australia (ASFA), more than four million Australians will benefit from the super changes that came into effect on 1 July 2017.
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What happens if I let my insurance lapse?
Think about where you would be without insurance if something were to happen to you. If you let your insurance cover slip, you risk being unable to make a claim when you may really need to.
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Whether your goal is to pay off your mortgage or holiday each year, you are more likely to succeed with a plan of action!
If you’ve paid off your home, have a healthy stash of super and take an overseas holiday each year, you’ve made it financially. That’s the view of many Australians according to recent research.
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Ways to manage your debt leading up to and during your retirement
While most Aussies had planned to retire at age 65, the reality is that around a quarter of us are expecting to delay our retirement. The most recent Retirement and Retirement Intentions survey data released by ABS in 2015 found the number of people aged 45 and over who intend to retire later than age 65 is 23%, compared to only 8% of people surveyed in 2004-051.
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