Consolidating super funds
Consolidating your super means moving all your super into one account. It makes your super easier to manage, and saves…
Talking about money with your partner
Key takeaways How and when to initiate a conversation with your partner about money. The steps to take when managing…
Land banking
Land banking is a real estate investment scheme that involves buying large blocks of undeveloped land. These schemes are often…
Should I rent or own a place in a retirement village?
Key points: There are varying tenure types that can impact your rights over a property in a village Make sure…
How to shift into pension mode
When and how you can access your super to start an account-based pension. If our working years can be regarded…
How to invest in Australia with a small budget
Key takeaways Tactics to invest smartly with a modest budget, such as equipping yourself with knowledge about the financial markets…
How to achieve a happy retirement
Key takeaways Tips on how to have an enjoyable and fulfilling retirement, including maintaining your physical and mental wellbeing, budgeting…
Understanding the new $3m super tax
The much debated tax on superannuation balances over $3 million is inching closer and those who may be affected should…
Four timeless principles for investing success
Investing success can mean different things to different people. Being clear on what success means for you is key to…
Statement by Michele Bullock, Governor: Monetary Policy Decision – March 2024
At its meeting today, the Board decided to leave the cash rate target unchanged at 4.35 per cent and the interest rate…
Statement by Michele Bullock, Governor: Monetary Policy Decision – March 2024
At its meeting today, the Board decided to leave the cash rate target unchanged at 4.35 per cent and the interest rate…
The one thing in investing you can control
You can’t control what happens on financial markets. But you can control one factor to improve your returns. When it…
Navigating the high cost of living in Australia
Key takeaways Investing a portion of your income is one way you can keep up with a high cost of…
A simple way to retire earlier
Using a fundamental investing principle could help many Australians bring their retirement forward. It’s simple investing mathematics really. The more…
Combat cost-of-living hikes and keep saving
Cost of living pressures coupled with rate rises have made it more difficult to save for a home deposit and…
Important questions to ask yourself before buying a property
1. How much do I need to save for a deposit? Many lenders require a 20 per cent deposit plus…
Avoiding potential pitfalls with investing
Investing is one of the best ways to build your wealth, and while it isn’t brain surgery, you do need…
MLC Economic Update with Bob Cunneen – March 2024
Which key events have been driving markets? Find out with Senior Economist Bob Cunneen. Read More Powered by WPeMatico
Self-managed super fund (SMSF)
A self-managed super fund (SMSF) is a private super fund that you manage yourself. SMSFs are different to industry and…
Investing mistakes to avoid
Investing successfully and improving your investment portfolio can be as much about minimising mistakes as trying to pick the ‘next…
How to boost your super with a lump sum
If you’re lucky enough to have received a windfall, perhaps an inheritance or a retrenchment payout, your first decision will…
Unlocking homeownership: Alternative pathways to housing affordability
Key takeaways Alternative options for homeownerships, such as rent-to-buy schemes, shared equity homeownership, co-living, and kit homes. The key benefits…
Planning your retirement income
Understanding your retirement income options How you organise your retirement income streams can make a huge difference to your quality…
Options for adding to your super
Adding to your super You can boost your retirement savings by making voluntary super contributions, such as by: setting up…
Three rules of retirement planning: Build your savings, invest in assets, access government benefits
Key takeaways Strategies to build your retirement savings, such as well considered budgeting, investment diversification, and taking advantage of super…
Protect yourself from scams
Scammers are skilled at tricking you out of your money. Knowing the signs of a scam can help you identify…
What to do if you’re 55 and have no retirement plan
Key takeaways Strategies for fast-tracking your retirement savings nest egg, such as debt elimination, additional super contributions, and targeted investing….
Bonds
Bonds can provide a stable source of income and can protect the money you invest. They are considered less risky…
Superannuation and relationship breakdown
Overview If your relationship with your spouse ends, you should be aware of what can happen to the super entitlements…
Statement by Michele Bullock, Governor: Monetary Policy Decision – February 2024
At its meeting today, the Board decided to leave the cash rate target unchanged at 4.35 per cent and the interest rate…
Life insurance: the basics and things to consider
Give me the main points The most important reason to consider taking out life insurance is to protect your family…
Six things to look out for with retirement planning
Key takeaways Things to be mindful of with retirement planning such as procrastination, underestimating your financial requirements, and failing to…
Tax changes – what it will mean to me
Prime Minister Anthony Albanese has announced proposed changes to address ongoing cost of living pressures with all 13.6 million Australian…
Super contribution caps 2023-24
Key takeaways: An understanding of the distinction between concessional (before-tax) and non-concessional (after-tax) super contributions, and the rules governing each….
Preparing for property success in 2024
The new year is a time when most people sit back and set some goals for the year ahead. But…
How will you use your super?
We spend decades watching our super balances grow but for those thinking about retirement in the next few years, it…
Weighing up whether to renovate or sell
It’s easy to be inspired by the super-profitable renovations and dream rebuilds we see on TV. In real life, the…
Manage the cost of living
Here are some quick ways to reduce your living costs. Having a money plan helps you stay on top of…
Are you retirement ready? Six tips for retirement wellbeing
Key takeaways The key steps in planning early for retirement, such as maximising super, exploring alternative revenue streams, and budgeting….
The 1% rule – tiny changes add up to a BIG difference
Personal transformation can be challenging. We all have habits we’d like to break and behaviours we’d like to do more…
Helping your parents financially while saving for retirement
Key takeaways Having access to their financial information will give you a better understanding about their situation Healthcare costs are…
2023 Year in Review
Australia’s economy stubbornly defied predictions during 2023, dashing any hopes that we might begin to return to some kind of…
The upfront costs of buying a home
When saving for your first (or next) home, it’s common to focus on building up the deposit and servicing your…
How to increase your IQ for later in life
Key points: Dr Vincent Candrawinata founded Renovatio Bioscience in 2016 following antioxidant research at the University of Newcastle Dr Candrawinata…
Returning to work after retirement
Employers are desperate for workers and cost of living pressures are making it tough to live on a pension. That’s…
Am I eligible for the Age Pension?
Key takeaways The various financial factors taken into consideration by the government when determining your eligibility for the Age Pension,…
How to bucket your money and save
Bucketing is a smart way to manage your money without complicated budgets or spreadsheets. The idea is to set up…
Super withdrawal options
Conditions of release of super The conditions of release that must be satisfied for legal superannuation withdrawals. You can withdraw…
Sending money overseas
Look for a good currency exchange rate and check the fees when sending money overseas. A small difference can mean…
The pros and cons of having life insurance inside your super
Key takeaways The benefits of having life cover within super, such as lower premiums, fewer barriers to obtaining coverage, and…
How a super recontribution strategy could improve your tax position
Withdrawing part of your superannuation fund balance then paying it back into the account, known as a recontribution strategy, may…
Aged care challenges in the home
Aging at home with government-subsidised funding is made possible through the Home Care Packages program. However, a crackdown on what…
The super moves you should make today
Key takeaways How to minimise super fees and insurance contributions How to boost your super while reducing your tax obligations…
Economic Update with Bob Cunneen – December 2023
Which key events have been driving markets? Find out with Senior Economist Bob Cunneen. |Read More| Powered by WPeMatico
Borrowing to invest
Borrowing to invest, also known as gearing or leverage, is a risky business. While you get bigger returns when markets…
Financial health check: The five stages to keep on top of your money management
Key takeaways The fundamentals of money management, including goal setting, budgeting, debt prioritisation, and investing for the future. What to…
Catch up on super to boost retirement savings
Catch up on your super If you’ve had an irregular or interrupted income in the past, you might’ve missed out…
Statement by Michele Bullock, Governor: Monetary Policy Decision – December 2023
At its meeting today, the Board decided to leave the cash rate target unchanged at 4.35 per cent and the interest rate…
Tips to help you reach your saving goals
Have a savings goal and budget It’s much easier to be a good saver if you have a goal in…
6 things to consider before investing
Key takeaways One of the main things to consider before investing is to have a plan – consider your investment…
Getting your super
You can get your super when you retire and reach your ‘preservation age’. This is between 55 and 60, depending…
Reverse mortgage and home equity release
If you’re age 60 or over, own your home and need to access money, releasing equity from your home may…
Keeping track of your shares
Monitor how your shares are performing compared to similar companies or the market overall. Stay up-to-date with company, economic and…
How much can you borrow for a mortgage (and how much should you borrow)?
Key takeaways An understanding of the factors that influence the amount you can borrow for a mortgage, such as income…
Diversification
Diversification is an investment strategy that lowers your portfolio’s risk and helps you get more stable returns. You diversify by…
Should I buy insurance through my super?
While we all hope for good health, the reality is that some of us may struggle at times with sickness…
Pros and cons of self-managed super funds
Key takeaways Having an SMSF provides more choice and freedom to access investment options that would otherwise be unavailable through…
Managed investment trusts
Check the income to declare, when to report a loss, and deductions you can claim for managed investment trusts. Types…
How to start a conversation about money
Why it’s so important to talk about your finances According to this research1, one in two Australians don’t sit down…
Statement by Michele Bullock, Governor: Monetary Policy Decision – November 2023
At its meeting today, the Board decided to raise the cash rate target by 25 basis points to 4.35 per cent. It also…
Economic Update with Bob Cunneen – November 2023
Which key events have been driving markets? Find out with Senior Economist Bob Cunneen. |Read More| Powered by WPeMatico
How iron ore plays a big part in our economy
Iron ore has been the backbone of the Australian economy and many investment portfolios for much of the 21st century….
How much is the Age Pension in Australia?
Key takeaways If you’re an Australian resident and able to access the full Age Pension, you can receive up to…
Growing your super
Your superannuation investment grows through: your employer’s compulsory super guarantee contributions (concessional contributions) any voluntary contributions out of your pre-tax income, such…
How the Aussie dollar moves your investments
It has been a wild ride for the Australian dollar since the Covid-19 pandemic struck and that could mean good…
Couple goals: saving for a home deposit
One of the biggest challenges first home buyers face at present is saving for a decent deposit. While there are…
Economic Update with Bob Cunneen – October 2023
Which key events have been driving markets? Find out with Senior Economist Bob Cunneen. |Read More| Powered by WPeMatico
Statement by Michele Bullock, Governor: Monetary Policy Decision – October 2023
At its meeting today, the Board decided to leave the cash rate target unchanged at 4.10 per cent and the interest rate…
Travel on a shoestring
If you are saving for a long-term goal, it can feel like you have to miss out on things such…
First Home Owner Grant (FHOG) – the basics
What is the First Home Owner Grant? The FHOG was introduced by the Federal Government in 2000 to assist first…
Trusts and the new super tax rules
Ensuring you’ve structured your finances tax-effectively is always a concern, but with new tax rules for super on the horizon,…
The essentials of estate planning
Key takeaways Preservation age: this is the earliest age where it’s possible in normal circumstances to access your super Estate…
Economic Update with Bob Cunneen – September 2023
Which key events have been driving markets? Find out with Senior Economist Bob Cunneen. |Read More| Powered by WPeMatico
Simple ways to save money
Find out how to save money every day and make a savings plan to stay on track. Separate and automate…
Aged Care Financial Planning
When looking into the financial elements associated with planning for aged care, there is a lot of information out there…
A guide to donation tax deductions in Australia
Key takeaways To qualify for tax deductions, donations must be made to ATO-approved eligible Deductible Gift Recipients (DGRs). Not all…
Statement by Philip Lowe, Governor: Monetary Policy Decision – September 2023
At its meeting today, the Board decided to leave the cash rate target unchanged at 4.10 per cent. It also increased the…
Super changes from 1 July 2023
Key takeaways On 1 July 2023, the compulsory super paid by your employer went up from 10.5% to 11% of…
Five rules of money management
Key takeaways Having a savings plan and an appropriate level of insurance cover can help insulate you from financial stress….
What is refinancing and why would I do it?
As a home owner with a mortgage, chances are you’ve heard of the term ‘refinancing’. Refinancing involves reviewing your current…
Australians need a retirement confidence boost
Giving Australians better access to high-quality and more affordable financial advice is imperative. One of the fundamental principles for achieving…
Managing the costs of raising children
It is a special feeling to welcome a new child or grandchild into the world and watch them grow. Sharing…
Starting a new job: should you stick with your existing super fund?
Key takeaways If you’ve seen good returns over the long-term, sticking with the same fund may ensure your retirement savings…
Maximising investment property tax deductions
Key takeaways Understanding the available investment property tax deductions in Australia is essential if you are to maximise the financial…
Adding bonds to your investment mix
Bonds can play an important role in investment portfolios, but what exactly are they, what are their benefits, and how…
Side hustles for supplementing income
Key takeaways One of the most popular side hustles that has emerged in recent years is a food delivery driver…
Sowing the seeds for a happy retirement
The thought of retirement is an enticing one for many of us. Imagine throwing off the shackles of the workforce…
Economic Update with Bob Cunneen – August 2023
Which key events have been driving markets? Find out with Senior Economist Bob Cunneen. |Read More| Powered by WPeMatico
Australia’s “painful squeeze”
The “painful squeeze” for Australian consumers Australians are experiencing tough times. Every trip to the supermarket leaves us leaner and…
Why young investors are more risk averse
The ranks of young Australian investors have swelled over the last two years. And many have very different investment objectives…
Statement by Philip Lowe, Governor: Monetary Policy Decision – August 2023
At its meeting today, the Board decided to leave the cash rate target unchanged at 4.10 per cent. It also increased the…
How super contributions and withdrawals are taxed
How much tax you pay on your super contributions and withdrawals depends on: your total super amount your age the…
Keeping your physical and mental wellbeing in retirement
Key takeaways Retirement can cause a range of emotions so it’s important to not only prepare yourself financially but also…
What to do if you’ve been scammed
Think you have been scammed? These steps will help you take action quickly to stop the scammers and limit the…
How to take control of your spending habits
Key takeaways Create a budget: aim to make it an accurate description of how your finances work. See where you…
The pros and cons of being a sophisticated investor
Many Australians now technically qualify to be certified as a sophisticated investor, but what are the benefits and risks? Sophisticated…
Planning to retire
Before you retire If you’re planning to retire, you need to consider: your age including if you have reached your…
10 tips to improve your financial health
Key takeaways Super calculators can help determine how much you’ll have saved by retirement by evaluating your current super contributions…
Economic Update with Bob Cunneen – July 2023
Which key events have been driving markets? Find out with Senior Economist Bob Cunneen. Read More Powered by WPeMatico
Protect yourself against romance scams
Key takeaways Scammers target people looking for romantic partners, often via dating websites, apps or social media by pretending to…
How much time and money do you really need to start investing?
There’s a common misperception that in order to start investing, you need a large initial sum and lots of time….
Statement by Philip Lowe, Governor: Monetary Policy Decision – July 2023
At its meeting today, the Board decided to leave the cash rate target unchanged at 4.10 per cent. It also increased the…
The principles behind smart borrowing to invest
Australians are living longer and experiencing higher house-to-wage ratios. It makes good sense to consider how you can achieve a…
What is debt consolidation?
Don’t confuse debt consolidation with debt elimination. If you’re swamped with credit card debt and personal loans, it can sometimes…
Are bonds a good investment?
Key takeaways Bonds can provide a stable source of income and can protect the money you invest. They can generally…
How to find your lost super
There are over six million lost and Australian Taxation Office (ATO) super accounts with a total value of $16 billion1 …
Star ratings for Aged Care help make family choices easier
Moving into aged care can be a challenging time, both for those making the move and families supporting their loved…
EOFY for property investors
As the end of financial year fast approaches, here are three main factors to keep in mind. By being prepared,…
Economic Update with Bob Cunneen – June 2023
Which key events have been driving markets? Find out with Senior Economist Bob Cunneen. Read More Powered by WPeMatico
A fragile and volatile world
“Beware the Ides of March” Global share markets opened the new year with mild optimism that inflation and interest rate…
Supplement your savings by boosting your income
It’s challenging to get a foot on the property ladder and coming up with a large enough deposit can seem…
Statement by Philip Lowe, Governor: Monetary Policy Decision – June 2023
At its meeting today, the Board decided to increase the cash rate target by 25 basis points to 4.10 per cent. It…
Flexing your retirement plans
The concept of retirement is changing, with fewer people working towards a final retirement date and then clocking off for…
Understanding contribution caps
There are limits on how much you can pay into your super fund each financial year without having to pay…
What is capital gains tax?
Capital gains tax (CGT) is a term you’ll often hear as tax time draws near. When you sell an asset,…
Think you’ll never fall for a scam? Think again!
It’s no secret that scammers are getting more sophisticated. As this is an ever-evolving space, scammers are constantly developing new…
7 smart money moves to make in your 20s and 30s
Key takeaways Setting a budget, creating financial goals and starting to save for retirement early can help set you up…
Investing on the share market: Passive or active?
Index funds continue to outperform the majority of active managers over time, but a blend of passive and active funds…
Stepped vs level premiums: which is best?
These days, most people hold some form of life insurance in their super account. While this is a welcome safety…
Tick Tock: What’s the time on the property clock
Property investors say that succeeding in real estate is all about timing. Buying at the bottom and selling at the…
How to get super ready for EOFY
Superannuation has dominated recent headlines, with proposed changes announced by Treasurer Jim Chalmers. While the details of these changes still…
8 signs that indicate you are smart with money
Key takeaways People who are good with money are aware of their finances. They create budgets so they can be…
Cryptocurrencies
Crypto-assets (crypto) mean digital assets including cryptocurrencies, coins or tokens. They digitally represent your ownership of a value or rights…
Devil in the detail on super changes
Proposed changes to superannuation have the potential to reshape the retirement landscape. The objective of super remains the missing ingredient…
Economic Update with Bob Cunneen – May 2023
Which key events have been driving markets? Find out with Senior Economist Bob Cunneen. Read More Powered by WPeMatico
How to plan a gap year for grown ups
It’s not just school leavers who dream of a gap year. Those of us who’ve been working for a decade…
Statement by Philip Lowe, Governor: Monetary Policy Decision – May 2023
At its meeting today, the Board decided to increase the cash rate target by 25 basis points to 3.85 per cent. It also…
8 retirement mistakes and how to avoid them
Retirement is a phase of life most of us look forward to. It’s a chance to pursue other interests, travel…
Three simple steps for financial wellness
If money’s too tight to mention, here’s some small steps that can make a big difference in achieving your financial…
Sustainable investing on the rise
Sustainable investing is not new, but in recent years it’s moved from the green fringes into the mainstream. From climate…
Budget planning: how to create one
Key takeaways The foundation of any effective budget is calculating the total amount of income you receive on a regular…
Understand the insurance claims process
It’s easier to make a claim on your life insurance if you gather the right information for your insurer. Who…
How to improve your finances and home loan chances
Nailing your home loan application depends on four factors — your income, expenditure, assets, and debts. But lenders also want…
Close the gender gap, whatever your age
The numbers say that the average Australian woman retires with barely half (53 per cent)1 the super of the average man….
April 2023 Economic Update with Bob Cunneen
Which key events have been driving markets? Find out with Senior Economist Bob Cunneen. |Read More| Powered by WPeMatico
How to spot and stop financial abuse
Until recently, financial abuse was often kept secret, especially where it occurred within the family. Thankfully that’s changing with public…
What is portfolio rebalancing?
Just like your car needs a periodic service to stay in tune, here’s why you should rebalance your portfolio from…
What to do when your fixed-rate home loan term is ending
Many Australians were fortunate to lock in record low interest rates, but this may be drawing to an end. A…
Statement by Philip Lowe, Governor: Monetary Policy Decision – April 2023
At its meeting today, the Board decided to increase the cash rate unchanged at 3.60 per cent. It also increased the interest…
Saving in a high interest account: what you need to know
Key takeaways By meeting certain conditions every month, you could have access to much higher rates and earn bonus interest…
A financial safety net through super
Most super funds offer life, total and permanent disability (TPD) and income protection insurance for their members. When reviewing your…
Employee share schemes
If you’re invited to join an employee share scheme, you may be able to buy shares at a discount on…
Four powerful ways to build investing confidence
Here are some tips that can help you build confidence in your investing approach, no matter what the markets are…
Early access to your super due to financial hardship
Your super is there to help fund your retirement. However, if you’re finding it hard to make ends meet, you…
Income protection insurance
Income protection insurance pays part of your lost income if you’re unable to work because of a disability caused by…
March 2023 Economic Update with Bob Cunneen
Which key events have been driving markets? Find out with Senior Economist Bob Cunneen. |Read More| Powered by WPeMatico
Is property investment for you?
When it comes to investing in real estate, equity is a key concept to wrap your head around. The Successful Investor’s Michael…
Why superannuation fund fees matter
The fees you pay on your super could have a material impact on how you retire, which is why it’s…
Statement by Philip Lowe, Governor: Monetary Policy Decision – March 2023
At its meeting today, the Board decided to increase the cash rate target by 25 basis points to 3.60 per cent. It also…
New year, new investing habits
The new year is a great time to get into financial shape. Here’s some simple steps to develop new investing…
Sowing the seeds of succession
Succession planning can be difficult at the best of times without dealing with the added pressures farmers have recently faced…
Downsize your property and boost your super
Downsizer contributions Once you reach age 55, you may find yourself wanting to downsize your family home into something smaller…
Why many investors have become more responsible
What exactly does responsible investment mean? Is there trade-off between ESG considerations (investing responsibly) and investment returns? Read on to…
Being wary of scams and sharing your personal information
Key Points: Never use the same password or variations of the same password, utilise different numbers and letters with a…
Market volatility and your super
Key takeaways Market volatility ups and downs can be unsettling – that’s why it’s important to remember super is a…
Transitioning into retirement: What you should know
Deciding on your retirement funding options in retirement comes down to what makes the most sense for you. If you’re…
Is your super invested the way you want?
Key takeaways Understanding the different types of investments in super and how they work, can help you decide if your…
6 tips for the young investor in today’s markets
How much money you’re able to invest each year is one of the biggest factors in achieving your financial goals. And…
Statement by Philip Lowe, Governor: Monetary Policy Decision – February 2023
At its meeting today, the Board decided to: increase the cash rate target by 25 basis points to 3.35 per cent increase…
Guide to concession cards for seniors
The excitement of heading towards retirement and a new stage of life can be tinged with concern over how to…
Moving into aged care
Key takeaways The need for aged care can be sudden, often triggered by unexpected changes in health. Also, it can…
Buying shares for kids: a gift that keeps on giving
Many parents and grandparents worry about how to help the children in their lives achieve financial independence. But the value…
Stepping stones to reach your goals
The calendar turns over to a fresh, brand new year, full of promise, so how do we keep those promises…
Three things to consider when switching your super
Understanding how your super works and making sure you are getting the most out of your fund is essential to…
Make your home transition smoother with bridging finance
After months of research, weekends spent attending inspections and auctions, finding the perfect home, at the right price brings a…
Spouse super contributions: the benefits
If your partner either earns less than you or is not currently working, they may be adding little or nothing…
How to access funds available from your home loan
If you need extra cash, you may be able to redraw or borrow against your home loan. Keep reading to…
Recovering from a natural disaster
If you’ve lost your home or business after a natural disaster, you don’t have to go it alone. Follow these…
Using equity to buy an investment property
When it comes to investing in real estate, equity is a key concept to wrap your head around. The Successful Investor’s Michael…
Volatility is here to stay
Volatility is part and parcel of investing so it’s important to put it into perspective and look at the full…
January 2023 Economic Update – Bob Cunneen
Which key events have been driving markets? Find out with Senior Economist Bob Cunneen. |Read More| Powered by WPeMatico
Superannuation Guarantee: why it’s important
The superannuation guarantee is an important part of the superannuation system. It was introduced on 1 July 1992 to increase…
How is my insurance taxed?
With the cost of living on the rise, it’s more important than ever to have a financial safety net that…
Prepare for successful buying in 2023
If you’re planning to take advantage of lower property prices and buy in 2023, now’s the time to get organised….
Environmental Social Governance (ESG) investing
Find out what ESG investing is and how it works. So you can choose investments that match your goals and…
Super changes for the better
Key takeaways The compulsory super paid by your employer is now 10.5% of your income and is planned to increase…
Protect yourself and know your rights when you shop online
Online shopping can be a convenient way to buy the things you want. Know how to protect yourself online, and…
Finding a good balance
In the same way finding a balanced lifestyle is conducive to good health, finding balance in an investment portfolio gives…
Salary sacrificing into super
What is salary sacrificing into super? Salary sacrificing into super is an agreement between you and your employer to pay…
How to maintain your lifestyle and still save for a deposit
For the first time in years, the amount needed to save for a deposit is decreasing as housing values across…
Risks to consider when building a portfolio
An understanding of the risk and return characteristics of various asset classes is vital to the portfolio construction process. When…
Money saving tips
Everyone saves money differently. From setting aside a portion of your pay, to choosing the right account, here are some…
Estate planning: the essentials
Key takeaways A will, the bones to any successful estate plan, sets out your wishes as to what happens to…
Statement by Philip Lowe, Governor: Monetary Policy Decision – December 2022
At its meeting today, the Board decided to: increase the cash rate target by 25 basis points to 3.10 per cent increase…
Preparing for the next chapter
Retirement means starting a new chapter of your life, one that gives you the freedom to create your own story,…
The challenges of market timing
When markets fall, it’s natural to want to take action to prevent further losses. Doing so however can do more…
How much super can you contribute?
Key takeaways For the 2022/23 financial year, most taxpayers can make up to $27,500 in before-tax contributions to super If…
Mortgage vs super
With interest rates on the rise and investment returns increasingly volatile, Australians with cash to spare may be wondering how…
Inflation – what to know and what to do
Rising inflation brings about concern for many, but Vanguard’s time-tested investment philosophy—and a long-term focus—can help any investor navigate choppy…
Investing on a lower income
While you may not need a six-figure salary to invest in property, those who earn a relatively low income will…
Tax and your online side hustle
With money becoming tighter as inflation rises, many people are looking to make some extra income from a ‘side hustle’….
Investors and recessions
Despite much talk of rising interest rates and possible recession, here are a few reasons to stay the course and…
Is your loyalty affecting your loan?
With consecutive rate rises throughout 2022 and talk of more to come, many Australians have been looking at their home…
Measuring up the price of shares
Share market investment analysts thrive on numbers. So, when you read reports about markets or specific companies being “overvalued” or…
How much super do I need to retire?
Working out how much you need to save for retirement is a question that keeps many pre-retirees awake at night….
Statement by Philip Lowe, Governor: Monetary Policy Decision – November 2022
At its meeting today, the Board decided to: increase the cash rate target by 25 basis points to 2.85 per cent increase…
Financial elder abuse increased due to the pandemic, how can you protect yourself?
Elder abuse was already an issue across the world, however, the pandemic has exacerbated the issue – with more and…
Three smart ways to indulge in some financial self-care
While you may be putting more focus into self-care pursuits that boost your physical and mental health, have you thought…
Tips to avoid investing badly
While it’s difficult to be the best investor in the world, we can all actively avoid being a ‘bad investor’…
Why long-term investing works
Key takeaways One of the main benefits of long-term investing is that it has proven to deliver returns If you…
Your investing style – as unique as you
With interest rates increasing after a lengthy period of historical lows, it’s a good time to think about how your…
Investing for your kids
Investing on behalf of your children can give them a great financial head start in life. And the earlier you…
Protecting your retirement savings against inflation
Key takeaways: There are some sources of income that provide better protection against inflation such as government benefits, rental income,…
Wills and powers of attorney
A good estate plan will help make sure your wishes are carried out when you die. It can also help…
October Economic Update with Bob Cunneen
Which key events have been driving markets? Find out with Senior Economist Bob Cunneen. |Read More| Powered by WPeMatico
How to deal with rising inflation
Key takeaways Investing a portion of your income is one way you can keep up with, or even outpace, inflation…
Six steps to get ready to invest
Planning is the key to successful investing. Creating a plan will help you find investments that fit your investing time…
A retirement plan built to last
Staying the course, and not being distracted by short-term market events, is just as important in retirement as it is…
Buying a tenanted investment property
Purchasing an investment property that already has a tenant means you collect rent from day one, with no vacant period…
Statement by Philip Lowe, Governor: Monetary Policy Decision – October 2022
At its meeting today, the Board decided to: increase the cash rate target by 25 basis points to 2.60 per cent increase the…
Understanding capital gains tax
A capital gain or loss is the difference between what you paid for an asset and what you sold it…
Building an emergency savings fund
Key takeaways Having an emergency fund can help you maintain your everyday life as you navigate through a crisis, like…
How to turbocharge your investment returns
If you’d invested $10,000 into the whole Australian share market back in 2002, your initial investment amount would have grown…
Let’s talk about ESG investing
When it comes to investing, ESG is one of the latest buzzwords. So what does it mean and, importantly, should…
Investment scams
Be suspicious of anyone offering you easy money. Scammers are skilled at convincing you that the investment is real, the…
Dealing with serious health issues
Planning carefully and working through the issues can help if you or your partner experiences serious illness or injury later…
The trouble with intuition when investing
Knowing how your mind works can help you avoid the more obvious traps many investors fall into. Cognitive bias has…
Salary sacrificing super
Salary sacrifice is an arrangement with your employer to forego part of your salary or wages in return for your…
How much money do I need to retire?
When I retire, will I have enough money to enjoy the retirement lifestyle I envision? It’s a question many of…
Start your life together on the right financial foot
Before you say ‘I do’, talk about your finances with your partner. Not getting married, but in a relationship? See relationships…
Why it’s vital to grow wealth outside your business
Running your own business is tough enough without worrying if its sale will fund your retirement. Here’s how to sleep…
Statement by Philip Lowe, Governor: Monetary Policy Decision – September 2022
At its meeting today, the Board decided to: increase the cash rate target by 50 basis points to 2.35 per cent increase the…
Retirement planning for high-income earners
Key takeaways It’s important to determine the total amount of income you’ll need to live off based on what your…
Stay invested despite current market conditions
With markets falling and inflation ramping up, investors might feel they need to ‘do something’ to avoid further losses. However,…
Unpaid super from your employer
If you think your employer isn’t paying your super contributions, follow the steps below: Am I entitled to super? – you…
Storm, flood and fire insurance
It’s devastating when a natural disaster destroys or damages your home. Finding out you don’t have enough insurance can add…
How to guard against cyber threats
As technology creeps further into our everyday lives, cybercriminals are taking advantage of the latest that technology has to offer…
How to rebalance your investment portfolio
How can investors rebalance their portfolio and how often should they do it? Read more to find out. The target…
Beware of the Granny Flat traps
Setting the scene Marilyn is 67 and has had enough of work. She has worked hard and raised two children…
What interest rate rises will mean for you
In early May, the Reserve Bank of Australia (RBA) lifted the cash rate for the first time in over 11…
Get to know your super fund
When you start a job, you can usually either choose a super fund or let your employer choose for you….
Putting recent returns into perspective
While 2021-2022 may not have been a stellar year for the majority of investors, it’s worth remembering that the worst…
A Will to give
As baby boomers shift into retirement, Australia is on the brink of the nation’s biggest ever intergenerational wealth transfer. Yet…
The influence of emotion on our finances
We’ve all heard of the dangers of emotional spending but what about emotional saving? Emotions can wield a powerful influence…
What does climate change mean for your super balance?
It’s impossible to ignore the issue of climate change in 2022. And certainly, if you’re invested in the markets, you…
Five investing tips for beginners
Here are five investing tips for those who are just beginning their investment journey. 1. Evaluate where you’re at financially…
Are you an impulsive spender?
Characteristics of impulsive spenders A ‘money mindset’ is a way of thinking about personal finance. Your money mindset can change…
Statement by Philip Lowe, Governor: Monetary Policy Decision – August 2022
At its meeting today, the Board decided to: increase the cash rate target by 50 basis points to 1.85 per cent increase the…
Why asset allocation is key to investment success
Asset allocation is the biggest determinant of investment returns. Here’s why taking the time to get it right matters. Choosing…
Size up your super
You’ll have heard the old, almost grandmotherly adage that ‘every dollar counts’. But guess what – it’s true. Voluntary after…
Transition to retirement
A ‘transition to retirement’ (TTR) strategy lets you access some of your super and keep working. Setting this up can…
Can you get a better return on your super?
Key takeaways Understanding the different types of investments in super and how they work, can help you decide if your…
Tips to build your wealth in your 40s
Key takeaways Investing in growth assets like shares and property can generate a passive income while building your wealth over…
Keep track of your investments
Review your investments regularly to make sure you’re on track to reach your financial goals and you’re comfortable with the…
Make a big difference with small changes
Find out how to save money every day and make a savings plan to stay on track. Separate and automate…
Mortgage vs super: where should I put my extra money?
Key takeaways There may be tax advantages when you contribute to super, especially if you salary sacrifice or you’re eligible…
How interest rate rises could affect you
Key takeaways It’s important to remember that interest rate increases are gradual, and while uncomfortable now, they will help to…
Interest rates and investing
What are interest rates? The interest rate is the amount a borrower pays for borrowing money from a lender, which…
Three things you should know about super
Superannuation (or Super) is a percentage of your income put aside by your employer over your working life to help…
Statement by Philip Lowe, Governor: Monetary Policy Decision – July 2022
At its meeting today, the Board decided to: increase the cash rate target by 50 basis points to 1.35 per cent the interest…
Is it worth salary sacrificing into my super?
Key takeaways Salary sacrificing means you agree with your employer to direct part of your before-tax salary straight into your…
Using trusts: Keeping it in the family
The use of trusts by Australians to hold different assets, including investments in exchange traded funds (ETFs), managed funds, and…
What’s important to you as you get older?
The daily grind of a job working for an over-bearing boss, or is it a family or financial problem, a…
Investing for a comfortable retirement
As we approach and enter retirement, it’s important to ensure our investment strategy is appropriate for our time of life….
Protecting your home. What to look for when comparing policies
It’s tempting to put price above everything else when choosing insurance for your property. However, whether you’ve just taken out…
A super end to the financial year
As the end of the financial year approaches, now is a good time to check your super and see what…
Working from home tax deductions: COVID
Key takeaways The ATO has introduced a new shortcut method for claiming work-related tax deductions until 30 June 2022 Under this…
Close the super gap, whatever your age
The numbers say that the average Australian woman retires with barely half (53 per cent)1 the super of the average man….
The road ahead for shares
Trying to time investment markets is difficult if not impossible at the best of times, let alone now. The war…
Market Update – June 2022
Highlights: Australia’s S&P/ASX 200 Index finished the month of May -2.6%, with all sectors of the market lower except Materials….
Budgeting for success in 4 easy steps
With the end of financial year approaching, it’s a good time to review your personal balance sheet. If it’s not…
Tax deductible super contributions
Key takeaways There are a whole range of strategies that make it worthwhile putting a little extra effort (and money)…
Salary sacrifice to cut tax and boost your super
This time of year, people’s thoughts start turning to their tax return, but it can also be a good time…
Statement by Philip Lowe, Governor: Monetary Policy Decision – June 2022
At its meeting today, the Board decided to: increase the cash rate target by 50 basis points to 85 basis…
End of financial year tax tips
Key takeaways: If you contribute some of your after-tax income or savings into super, you may be eligible to claim…
Four priorities for the ATO this tax time
The Australian Taxation Office (ATO) has today announced four key focus areas for Tax Time 2022. The ATO will be…
The cost of not investing
For many people, the phrase “investing in the share market” is framed by either gains and losses. For the “gains”…
Investing and tax
Lower tax on your investments can help you reach your financial goals sooner. But don’t choose an investment based on…
Important Super Changes
Changes to super guarantee from 1 July 2022 will benefit casual and part time employees It has been a long…
Behind the Reserve Bank’s interest rate hike
The Reserve Bank of Australia’s decision to increase its official interest rate for the first time in more than a…
Sharing super a win-win for couples
Australia’s superannuation system is based on individual accounts, with men and women treated equally. But that’s where equality ends. It’s…
Should I pay off my home loan or invest in more assets?
Being close to paying off your home loan is an enviable position. If you’re wondering what to do next, we discuss some…
One goal a month: The simple step to greater financial confidence
Despite many years in the world of finance, Reality Cheque podcast host Genevieve Frost admits there was one simple money-saving…
A closer look at shares
Why buy shares? When people talk about investing in shares (or stocks), they’re usually referring to common shares. These kinds…
Where Can I Find Retirement Villages in the Country?
Do you dream of retiring in the country? Do you feel it’s time to leave the rat race behind and…
Yes, you can change your money mindset for the better
Ever wondered why you keep buying things you don’t need with money you don’t have? Why you can’t seem to…
Market Update – May 2022
Highlights: Australia’s S&P/ASX 200 Index finished lower over the month masking positive performance from seven out of 11 underlying sectors….
Scams to beware (and be aware) of
There is a saying ‘a fool and his money are often parted’ but with scammers becoming ever more devious and…
Investing for a house deposit
The surge in house prices around Australia over the last two years has done little to quell the notion that…
5 things to consider before investing
Key takeaways One of the main things to consider before investing is having a plan – consider your investment goals…
Statement by Philip Lowe, Governor: Monetary Policy Decision – May 2022
At its meeting today, the Board decided to: increase the cash rate target by 25 basis points to 35 basis points increase…
How to get the right My Aged Care Assessment
How to start the aged care assessment process, understand the difference between the ACAT and RAS assessment service, know what…
Staying passive is being active
Heightened global markets volatility – as we’re experiencing right now – can easily trigger kneejerk reactions by panicked investors. Widespread…
Catch-up super contributions: how it works
There’s a solution if you feel like you’ve missed the boat when it comes to building your retirement savings due…
Tips to navigate market volatility
The best thing investors can do when markets are volatile is to stay invested. Of course, that’s often easier said…
Six savvy ways to get out of debt and get ahead
It’s easy to walk into debt, but so much harder to get out of it. You must own your mess…
Government Age Pension: How much can I receive?
The Government’s Age Pension is a regular fortnightly payment designed to provide retirement income support for eligible older Australians. Many…
Taking cover in changing times
The pandemic has changed the way so many of us live, with jobs, travel and lifestyle all transformed during COVID….
Why younger investors should rebalance
It’s a common misperception that the greatest determinant of portfolio return variability is your stock selection. Understandably, choosing which ETFs,…
Tips to help you plan for retirement
It is important to understand where this income will come from, how long it will last, and whether your retirement…
Market Update – April 2022
Highlights: Australia’s S&P/ASX 200 Index had a strong month returning 6.9% led by Information Technology (+13.2%), Energy (+9.8%), and Materials…
Am I eligible for the Government Age Pension?
Key takeaways The Age Pension is a Government benefit paid to eligible Australians to assist them in retirement. If you’re…
Avoid the rush: Get ready for June 30
It seems like June 30 rolls around quicker every year, so why wait until the last minute to get your…
The true value of convenience
Even with the varying degree of lockdowns experienced across Australia in 2020 and 2021, the world remains largely at our…
Statement by Philip Lowe, Governor: Monetary Policy Decision – April 2022
At its meeting today, the Board decided to: maintain the cash rate target at 10 basis points and the interest rate…
How to get the biggest ROI on an investment property
When purchasing an investment property, there are a number of factors that could increase or reduce your potential return on…
Risking your retirement
If you’re already retired or on your way to retiring, have you been obsessively checking your portfolio balance and dreading…
Does rising inflation require higher interest rates?
Central banks are under pressure to rapidly raise interest rates to contain inflation Global inflation has surged over the past…
Protect your identity
If your personal information falls into the wrong hands, it can be used to steal your identity. If you think…
From boom to balanced: 2022 set to ride a smoother property wave
Quarterly property update: November – January 2022 After a bumper year across the Australian property market – from the city…
Why investment predictions can be likened to weather forecasts
Investment forecasts, just like weather forecasts are just that – projections of what might happen on the future, based on…
Combine your super into one account to save
Consolidating your super means moving all your super into one account. It makes your super easier to manage, and saves…
Your Guide to Home Care Services
What is Home Care? Home Care (also known as in-home care, community care, home help, home support and in-home nursing…
How to calm those market jitters
It’s been a rocky start to the year on world markets but that doesn’t mean you should hit the panic…
What to expect in 2022
Investment returns are unpredictable. Take last year, for example. Few would have predicted that the price of coffee beans would…
6 pros and cons of buy-now-pay-later products
Key points More than 5 million Australians have signed up to buy-now-pay-later (BNPL) platforms like Afterpay and Zip.1 The convenience, easy approval and…
Easing into retirement
As the nation drifts back to work and study after the summer break, it’s often a time to start putting…
Market Update – March 2022
Highlights: Australia’s S&P/ASX 200 Index returned 2.1% with Energy (+8.6%), Consumer Staples (+5.6%), and Materials (+5.2%) posting solid returns. Information…
How discipline has paid off for share market investors
Investors worldwide have been rattled by the heightened volatility on share markets over recent weeks. A combination of factors have…
Why is ageing hard to talk about?
In life, many of us are totally at ease and comfortable talking to our family and friends about many topics….
Top Five finance tools for women
Want to boost your financial literacy? These female-focused podcasts, books and courses have advice, tactics and tips to build wealth…
Statement by Philip Lowe, Governor: Monetary Policy Decision – March 2022
At its meeting today, the Board decided to: maintain the cash rate target at 10 basis points and the interest rate…
22 tips for taking control of your finances in 2022
As 2022 begins, James Fitzgerald has 22 tips for taking control of your finances and becoming a savvy investor. #1: Build…
Know your property’s real value
Imagine yourself on selling day where you’re left wondering how you got the price so wrong. Now imagine the opposite,…
5 top investment truths
Many of us have probably received in our in-boxes spams for get-rich-quick-schemes with promises of making great amounts of money,…
How To Pay Off Your Mortgage Faster
When was the last time you looked closely at your loan, the progress you are making on paying it off…
Investing on facts not FOMO
Prices for property, cryptocurrencies and shares have all hit records recently. While great news for investors, there’s always a risk…
When can I access my super?
Key takeaways You can access your super if you’ve reached your preservation age and declare that you’re retired Other ways…
Market Update – February 2022
Highlights: Australia’s S&P/ASX 200 Index declined by -6.4% with significant sell-offs experienced in Information Technology (-18.4%), Health Care (-12.1%) and…
2021 Year in Review
Two steps forward, one step back For the second year running, the pandemic was the focus for policy makers, markets,…
How to increase the market value of your business
If you‘re planning to sell your business in the future, start taking action as soon as possible. You’ll need time…
First Home Super Saver scheme explained
Key takeaways If you’re a first-home buyer, you can put a little extra money into your super and then access…
Set a budget for your renovation and stick to it
The basis of a good renovation budget is setting a realistic one in the first place. Once you do that,…
How superannuation is taxed
Key takeaways The tax you pay on super is lower–for most people–than the tax you would pay on your regular…
Get debt under control
Owing money or falling behind on repayments can be stressful. The good news is there are steps you can take…
Statement by Philip Lowe, Governor: Monetary Policy Decision – February 2022
At its meeting today, the Board decided to: maintain the cash rate target at 10 basis points and the interest rate…
Timing the market: a buyer’s guide to the property cycle
If you are surprised at how prices in cities and regional areas have risen even in the face of the social…
Exceeding expectations: top tips to improve your customer experience and emerge stronger in the year ahead
In 2021, customer experience is king and there are lots of ways you can give yours a boost, writes Jason…
When succession planning goes wrong
A family business, complicated relationships… then a death. How poor succession planning saw a father’s wishes come undone. The family…
Your Guide to Retirement Living
Retirement villages in Australia offer residents a unique range of retirement living options, including accommodation options, facilities and services. Many…
The rise of female investors
Recent research shows female investors are on the rise–moving ahead of men along the way. There’s been a dramatic increase…
What’s an NFT?
NFTs have been circulating in recent headlines, along with words like “blockchain” and “cryptocurrency”. You may have seen them parodied…
Market Update – January 2022
Highlights: Australia’s S&P/ASX 200 Index rose 2.75% in December with strong returns across Utilities, Materials, Property, and Financials ex Property….
What to do if you make a mistake on your return
We know you want your tax return done as quickly and easily as possible. It helps to get it right!…
Know your worth! Top tips for negotiating a better salary
Making a strong case for a salary package that truly reflects your skills and experience won’t just help your hip…
What exactly is the FIRE movement?
What is FIRE? If you’ve ever considered early retirement, you could join the FIRE movement. FIRE stands for “financial independence…
Using comparison websites
When you’re comparing things like insurance, credit cards and home loans, comparison websites can be helpful. But they have limitations…
Managing Complex Property Transactions
For most people, selling one property is stressful enough. Imagine how tricky it is to manage the sale of two…
Back in business: How you can make the most of 2022
Pent-up consumer demand promises a strong economic return, which bodes well for small businesses hoping for a return to normalcy…
How high-earning women can build their wealth
More and more women are succeeding in high-paying careers. Here’s how to ensure today’s generous salary secures tomorrow’s future. While…
5 smart rules to manage your money better when starting a business
If you’re about to launch or you’re in that exciting first year of business, make sure you get a solid grasp…
Three behavioural factors that can affect retirement spending
You’ve worked hard to build your retirement nest egg and now the time has come or is approaching for you…
Raising the bar
Australia’s thriving property market has recovered so swiftly since the brief pandemic-induced recession of 2020, that authorities have stepped in…
Four common retirement goals
Envision your ideal retirement: Are you relaxing on a beach? Starting a new hobby? Or finally taking that trip to…
Planning your financial legacy
Succession planning is common in the business world. Last week, the United States investment group Berkshire Hathaway announced the appointment…
Working from home tax deductions: COVID-19
It’s hard to see the good in COVID-19. One of the few upsides is that you may be able to…
How to plan for ongoing tech investment in business
Whether you run a small business or a large enterprise, having a well-planned technology strategy is essential to the growth…
Superannuation: how does it work in Australia
Superannuation is money that you save during your working life to use as income when you retire. Like any other…
Market Update – December 2021
Highlights: Australia’s S&P/ASX 200 Index declined by -0.5% in November masking some disparate returns across sectors. Nonfarm payrolls rose 210,000…
The superannuation puzzle piece you might not be thinking about
When it comes to super, the accepted wisdom is that performance is the most important consideration. That means we often…
5 costly aged care mistakes to avoid
Australia’s aged care system is incredibly complex, and making the wrong decisions can have a high cost, both financially and…
Transitioning to retirement
If you’re nearing retirement, you may be able to reduce your work hours but retain the same income. Through a…
Statement by Philip Lowe, Governor: Monetary Policy Decision – December 2021
At its meeting today, the Board decided to: maintain the cash rate target at 10 basis points and the interest rate…
Upsize your super with after-tax contributions
You’ll have heard the old, almost grandmotherly adage that ‘every dollar counts’. But guess what – it’s true. Voluntary after…
How to retire early
Retiring early is a dream that many people hope to someday achieve, and with the right plan in place, it…
The dos and dont’s of revenge spending
Written by Tony Kaye, Senior Personal Finance Writer After months in lockdowns and living under tight restrictions, many Australians have…
How do I decide between a fixed or variable interest loan?
Unsure about whether to lock down your interest rate for a period with a fixed rate home loan, or take…
Credit scores and credit reports
Lenders use your credit score (or credit rating) to decide whether to give you credit or lend you money. Knowing…
Experts answer: How to boost super at any age
By Alexandra Cain This content is produced by the Good Weekend in commercial partnership with MLC. Superannuation strategies differ depending on age and…
Super lump sum
You may be able to take your superannuation as a lump sum payment when you retire. This is usually tax-free…
Four important steps toward a healthier financial life
What comes to mind when you think of fitness? For many of us, it’s treadmills, weights, or maybe even those…
Don’t leave your business succession to chance
Don’t leave your business succession to chance – exit on your own terms. It may seem extraordinary but, according to…
Market Update – November 2021
Highlights: Australia’s S&P/ASX 200 Index had a moderate decline of -0.10% in October. Nonfarm payrolls rose 531,000 in September, well…
5 things you need to consider when you’re setting up an estate plan
We often don’t like to think of our mortality, but it’s a fact of life. The best way to take…
Low interest rates require a strategic rethink
By Tony Kaye, Senior Personal Finance Writer, Vanguard Australia Australian interest rates aren’t likely to be rising in the near…
Cryptocurrencies: a brave new world or a gamble?
If you’re someone who follows the news closely, you’ve probably come across coverage about cryptocurrencies, especially Bitcoin, the first and…
5 ideas for generating passive income
‘Passive income’ – the term conjures up images of long days relaxing on a beach free of financial worries because…
Why investors shouldn’t fear October
By Tony Kaye, Senior Personal Finance Writer, Vanguard Australia After strong gains over most of this year, September proved to…
Accessing your income stream in retirement, including minimum withdrawal changes
When you retire and meet a condition of release, one of the ways you can access your income is via…
Statement by Philip Lowe, Governor: Monetary Policy Decision – November 2021
At its meeting today, the Board decided to: maintain the cash rate target at 10 basis points and the interest rate…
Find lost super
If you’ve ever changed your name, address or job, you may have lost track of some of your super. Finding…
Handle your after-auction matters like a pro
There’s a bit to sort out once your auction has wrapped up. We’re here to guide you through the key…
Why a buy-sell agreement is vital in business
Even the closest business partnership needs a buy/sell agreement in place. Use this expert guide to protect everything you and…
October Economic Update – Bob Cunneen
Which key events have been driving markets? Watch this video with Senior Economist Bob Cunneen to find out. https://www.youtube.com/watch?v=rdxC_S43Y4k Powered…
Know what concessions you may be eligible for?
As a small business, you have access to a range of concessions that could help your cash flow. Here’s some…
Transaction accounts and debit cards
A transaction account is an account you use for day-to-day banking such as paying bills and getting your wages. Transaction…
Market Update – October 2021
Highlights: The Australian share market fell 1.9% in September, ending an impressive 11 month run of gains. Nonfarm payrolls rose…
11 unique ideas that could help you save on renovation
1. Try a working bee What better excuse to have a barbecue than with a working bee? Get family, friends,…
‘Your Future, Your Super’ – what does it mean?
The Your Future, Your Super reforms (YFYS Reforms) were passed in June 2021. The YFYS Reforms aim to make the…
Retirement can be risky business
By Robin Bowerman, Head of Corporate Affairs, Vanguard Australia Anyone with a healthy superannuation balance heading into retirement in February…
Statement by Philip Lowe, Governor: Monetary Policy Decision – October 2021
At its meeting today, the Board decided to: maintain the cash rate target at 10 basis points and the interest rate…
September Economic Update – Bob Cunneen
Which key events have been driving markets? Watch this video with Senior Economist Bob Cunneen to find out. https://www.youtube.com/watch?v=IrEO2jfddt8…
Super investment options
Your super fund invests your money for you. Most funds let you choose from a range of investment options, from…
With rates close to 0%, why bother with fixed income?
According to a report in Bloomberg recently, while Vanguard data show a portfolio with 60 equities/fixed income mix returned an…
SMEs and the wealth shortfall
Many small business owners place all their faith – and life savings –in their business. There’s another way. As we…
House hunt with confidence with a pre-approval
In today’s fast-moving property market, it is particularly important that you’re as organised as possible before you start seriously looking…
An introduction to Home Care
Key points: Assessment teams will help you find the rights services to suit your care needs or basic help you…
Benefits of long-term investing
Key takeaways One of the main benefits of long-term investing is that it has proven to deliver returns If you…
Five things to look for in a great super fund
If you stay with the default super fund provided by your employer there’s a chance you’ll miss out on thousands…
Top 10 side hustles you can start now
Make extra money with a side hustle Money might not buy happiness, but it’s always nice to have a little…
Compound interest: How to grow your money
Einstein has repeatedly said that compound interest is the eighth wonder of the world. While it may appear complicated, it’s…
Market Update – September 2021
Highlights: The Australian share market reached an all-time high in August, with the S&P/ASX 200 gaining 2.5% for the month. …
A proven way to build wealth
By Tony Kaye, Senior Personal Finance Writer, Vanguard Australia When it comes to investing, nothing speaks louder than actual results….
Stuck in the middle: money management tips for the sandwich generation
If you’re trying to balance more than one generation in your family, you may be struggling financially as well as…
Four steps to plan for a better retirement
Many investors concentrate on building their nest egg during their working lives to pay or help pay for their retirement…
Monetary Policy Decision – Statement by Philip Lowe, RBA Governor, September 2021
At its meeting today, the Board decided to: maintain the cash rate target at 10 basis points and the interest rate…
Survival guide: Buying and selling at the same time
Buying and selling a home at the same time – it’s the ultimate chicken and egg scenario. At the best…
How to save money for beginners
Creating good saving habits takes practice and willpower – especially when there are so many ways to spend your money….
How to protect your own future while managing your parents’ aged care
When retirement can last for three decades, you need a clear financial plan – for yourself as well as your…
Financial advice – is it worth it?
Key takeaways If you value the experience of experts in other aspects of your life, don’t discount it when it…
Moving a loved one into an aged care home
Key takeaways There are three types of aged care which range from the ability to live independently or in supplemented…
Choosing a super fund
Most people can choose which super fund they’d like their super contributions paid into. You can go with your employer’s…
What to consider when deciding to rent or buy a home
Housing affordability is a huge issue. Working out whether to jump onto the property ladder or continue renting can be…
Why there’s also risk in not investing
By Robin Bowerman, Head of Corporate Affairs, Vanguard Australia Many Australians know that investing will always come with some level…
5 ways to grow your super
Superannuation is the largest financial asset many Australians have after the family home.1 That said, there can be a large gap…
Market Update – August 2021
Highlights: The Australian share market reached all-time highs in July, with the S&P/ASX 200 gaining 1.1% for the month. US…
Ladies, here’s how to unleash your super power
Living your best life, for all of your life, starts with looking out for yourself. If you’re in your early working years,…
ESG: Fad or future?
From time to time, investors become irrationally enthusiastic. The important thing to note about these manic moments is that the…
Five things to look for that could boost your super fund savings
If you stay with the default super fund provided by your employer there’s a chance you’ll miss out on thousands…
Monetary Policy Decision – Statement by Philip Lowe, RBA Governor, August 2021
At its meeting today, the Board decided to: maintain the cash rate target at 10 basis points and the interest rate…
Tax time: calculating investment income and deductions
By Tony Kaye, Senior Personal Finance Writer, Vanguard Australia The Australian Tax Office has started full processing of 2020-21 income…
7 signs you may not be ready for retirement
Key takeaways Having a clear picture of your financial situation, can help you determine if you’re ready for retirement If…
Market Update – July 2021
Highlights: The Australian share market finished the fiscal year with its best performance since inception, with the market gaining 23.9%…
What does inflation mean for the Australian bond market?
Australia’s inflation rate has been stubbornly below the RBA’s target band of 2–3% for several years now, but the 0.9%…
Market Update – June 2021
Highlights: Markets extended gains for the month as accommodative monetary and fiscal policies continued to support markets. US employment disappointed…
Understanding home downsizing and super contributions
By Tony Kaye, Senior Personal Finance Writer, Vanguard Australia The Federal Government announced in the May Budget that it is…
Interest rates – accentuating the negative
So it’s just a normal day. You walk into the bank, deposit some money. And the teller asks you to…
How often should you check investment returns?
By Tony Kaye, Senior Personal Finance Writer, Vanguard Australia Before you started reading this article, did you already do a…
Is fintech the next big thing?
Doesn’t everyone want to invest in something that will ride the tide of the great economic and technological trends sweeping…
Preparing for the biggest wealth transfer in history
By Tony Kaye, Senior Personal Finance Writer, Vanguard Australia Transfers of accumulated wealth from one generation to the next are…
Too loyal or time-poor for a better rate? Problem solved
Another month, another rate cut. Finance can be so tedious. That is until you realise it could mean more money…
How to overcome your investment fears
By Tony Kaye, Senior Personal Finance Writer, Vanguard Australia You’re ready to start investing, but there’s a few things holding…
New financial year rings in some super changes
As the new financial year gets underway, there are some big changes to superannuation that could increase your retirement savings. …
Monetary Policy Decision – Statement by Philip Lowe, RBA Governor, July 2021
At its meeting today, the Board decided to: retain the April 2024 bond as the bond for the yield target…
Is now the perfect time to give your portfolio a mid-flight check?
Fixing the roof is easier, and more enjoyable, when the sun is shining. What a shame then that we only…
Don’t leave a mess behind
“You only live twice. Once when you are born. And once when you look death in the face.” So said…
Top 10 Tips for Transitioning to Retirement Living
For many Australians, the decision to move into retirement living can be difficult and fraught with emotion, yet downsizing is…
Join the rentvestors living the best of two worlds
There is a way to enjoy the lifestyle your favourite suburb provides and still get on the property market. It’s…
Thinking about a tree/sea change?
Key takeaways Financial benefits of relocating could include reducing your current mortgage repayments and turning your current home into an…
How to create an investment plan
By Robin Bowerman, Head of Corporate Affairs, Vanguard Australia Creating a financial plan is the first – and perhaps most…
Retirement planning in your 50s: choose your own terms
Early retirement planning never hurt anyone. A financial adviser Tuy explains the steps many of his 50-something clients take in order…
The benefits of regular investing
By Robin Bowerman, Head of Corporate Affairs, Vanguard Australia Making regular investments of smaller sums of money is one of…
Avoid the rush: Prepare your business for June 30
As the economy begins to get back on its feet, it’s time to get your business back on track and…
Unauthorised and mistaken transactions
If you find a transaction in your account that you don’t recognise, it could be unauthorised or mistaken. If you…
Transferring your wealth to the next generation
Key takeaways Start the conversation early so younger generations understand what they’re likely to inherit There are strategies that can…
The importance of having a will
While it’s not something anyone likes to think about, planning your estate may make things a little easier for your…
Four real estate trends to watch as economies reopen
After a tumultuous 2020, we identify four main trends that will drive real estate this year and in the decade…
How super works
Super is a way of saving for retirement. Your employer must pay a percentage of your earnings into your super…
Tips to help make 2020/2021 tax time easier
It’s been a year of change like no other and that extends to tax and superannuation. As the end of…
Monetary Policy Decision – Statement by Philip Lowe, RBA Governor, June 2021
At its meeting today, the Board decided to maintain the current policy settings, including: the targets of 10 basis points for…
Hedge funds
Hedge funds use investment strategies that are more complex than other managed funds. Many aim for positive or less volatile…
Property prices are rising, will interest rates be next?
Many Australian homeowners haven’t seen anything like it – values rising at their fastest pace in 32 years, property searches…
Super contributions
If you’re employed, your employer should be paying a percentage of your earnings into your super account. It’s worth checking…
Keeping your cool in a hot market
After reeling from the impact of COVID-19 lockdowns in 2020, property values throughout Australia have strongly rebounded, rising at their…
Salary packaging
Salary packaging is when you and your employer ‘package’ your salary into income and benefits. It’s also known as salary…
Risk in retirement: finding the right balance
For many of us, retirement means dream holidays, reading books and spending time with grandchildren. However for some Australians, the…
Market Update – May 2021
Highlights: Investors extended expectations of accommodative monetary and fiscal policies following signs of a slowdown in the US recovery. US…
Kick-start your retirement planning
If you take it one step at a time, you may find that planning your retirement isn’t as complicated as…
Asset allocations still hold the key
By Robin Bowerman, Head of Corporate Affairs, Vanguard Australia Owning a home has for decades now been a prerequisite to…
Applying for business finance? Here’s what you need
When applying for business loans and finance, the more information you can supply the better. We explain exactly what you’ll…
Benefits of insurance in super
What are the benefits of insurance in super? It’s paid for outside your take home pay This can be a tax-effective*…
Tax tips for sole traders
If you’re a sole trader and need to get your taxes organised, start by reading these expert tips for maximising…
Aged care
If you need help in your home, or can no longer live independently, the Australian Government provides a range of…
Monetary Policy Decision – Statement by Philip Lowe, RBA Governor, May 2021
At its meeting today, the Board decided to maintain the current policy settings, including the targets of 10 basis points for…
How do I fund semi-retirement?
What is a TTR pension? A transition to retirement (TTR) pension is a type of account based pension that can be started…
Why investing in bonds still adds up
By Tony Kaye, Senior Personal Finance Writer, Vanguard Australia As an investor, it can be worrying when returns move into…
What is credit?
We explain the difference between debit and credit, how to manage credit and also what to do if you’re in…
Deducting travel expenses: New ATO ruling for what you can (and can’t) claim
Knowing exactly what deductions apply to travel expenses can save a heap of hassle at tax time. The Australian Taxation…
What exactly is inflation?
By Beatrice Yeo, Economist, Vanguard Australia The Reserve Bank of Australia has recently made an unprecedented change to the way…
Downsizing in retirement
If you’re thinking about selling your home and downsizing, consider the pros and cons. Check if selling your home affects…
Time for a valuation reality check-up!
This reporting season was one of the most positive we’ve seen in years, with Australian companies across many sectors delivering…
Understanding economic costs on a fixed rate loan
If you’re thinking about fixing your home loan’s interest rate, you need to know about economic costs (especially if you…
There’s more than one way to boost your retirement income
After spending your working life building retirement savings, you may be reluctant to eat into your “nest egg” too quickly….
Market Update – April 2021
Highlights: The vaccine rollout and vast sums of fiscal and monetary support are helping to accelerate economic growth and restore…
Savings accounts
Savings accounts help your money grow faster by offering a higher interest rate than everyday transaction accounts. Get the highest…
Fears and expectations
By Richard Dinham, Head of Client Solutions and Retirement For many, the word ‘retirement’ is associated with the idea of…
How to avoid the biggest investment mistakes
Some of the biggest investment mistakes While investing isn’t brain surgery, you do need some level of knowledge and experience…
Monetary Policy Decision – Statement by Philip Lowe, RBA Governor, April 2021
At its meeting today, the Board decided to maintain the current policy settings, including the targets of 10 basis points for…
Pool your super into one big account
Keeping all your super in one place is a smart move. In this article, we’ll look at the case to…
The risks in hunting for higher returns
By Tony Kaye, Senior Personal Finance Writer, Vanguard Australia How much investment risk are you willing to take? If you’ve…
How to help your parents and still save for retirement
How to help your parents and still save for retirement The financial impact of COVID may have cut into your…
How to pass the diversification test
By Tony Kaye, Senior Personal Finance Writer, Vanguard Australia The Spanish writer Miguel de Cervantes Saavedra isn’t widely regarded as…
Is a debt consolidation loan right for you?
If you’re overwhelmed by having different debts in different places, a debt consilidation loan might be the answer. Why is…
What millennials are thinking about investing and retirement
By Tony Kaye, Senior Personal Finance Writer, Vanguard Australia In just over two months from now, the oldest millennials will…
Strategies to rebuild super after early access
If you’ve accessed your super early due to COVID, there are a number of strategies that can help you get your…
The real value of advice
By Robin Bowerman, Head of Corporate Affairs, Vanguard Australia Good advice is valuable. The right words of advice – whether…
10 benefits of business training and education at 40
Today, employees at age 40 are at a mid-point in their careers, making it a natural time to take stock…
10 tips for choosing an investment property
So, you’re thinking of buying your first residential investment property? There are a few things to consider before making the…
Navigating redundancy: make it work for you
Even though redundancies are often part of business, being told your role has become redundant can still leave you feeling…
How much super you need
Take some of the guesswork out of planning for the future. Work out how much super you’ll have when you…
Market Update – March 2021
Highlights: Economic data confirms a sufficiently V-shaped recovery, but growth has not been even across regions and downside risks remain….
5 steps to achieving financial wellbeing at work and home
Financial wellbeing has become the big buzzword in recent years. It seems like everyone is talking about it, even the…
2020 calendar year in review
2020 was a year that challenged us all but ended with hope The emergence and rapid spread of COVID-19 pushed…
Meeting the needs of future retirees
Australia’s superannuation market is rapidly maturing, with 65% of Australia’s $2.8 trillion super assets sitting in the hands of fund…
Monetary Policy Decision – Statement by Philip Lowe, RBA Governor, March 2021
At its meeting today, the Board decided to maintain the current policy settings, including the targets of 10 basis points for…
Why COVID has more impact on some super accounts
Understanding how super is invested may help to explain why events like COVID impact account balances, if at all. There…
How to achieve investment success in 2021
By Tony Kaye, Senior Personal Finance Writer, Vanguard Australia Elon Musk, the 49-year-old founder of U.S.-listed electric vehicle maker Tesla,…
The importance of children’s financial literacy
The truth is, adulthood is rife with financial challenges. The more prepared your children are, the better. From budgeting and…
February Economic Update with Jonathan Armitage
Where we are now in investment markets and economies and the investment outlook for 2021 with Jonathan Armitage, Chief Investment…
What is the retirement age in Australia?
What age am I allowed to retire?’ or ‘When can I retire?’ are common questions Australians ask. As there’s no…
Virtual trips from your couch
In this modern age travelling is a lot more accessible, we are now able to become those very adventurers we…
Approaching the dawn
By Tony Kaye, Senior Personal Finance Writer, Vanguard Australia COVID-19 has completely, and mercilessly, dictated the direction of economies and…
5 financial moves to make in your 50s and 60s
Once you hit your 50s and 60s, retirement is no longer something happening far off into the future. In fact,…
Property investment
Houses and units seem easier to understand than many other types of investments. However, it’s important to understand how investing…
5 ways to boost your super
Did you know it’s likely you’ll spend up to two decades or more in retirement? It’s a long time, so will…
Market Update – February 2021
Highlights: Macroeconomic indicators remain robust, but vaccine supply delays in some regions and the emergence of new Covid-19 strains have…
Annuities
An annuity, also known as a lifetime or fixed-term pension, gives you a guaranteed income for a number of years….
Listed infrastructure yields are staying on track
By Tony Kaye, Senior Personal Finance Writer, Vanguard Australia Listed infrastructure companies have long had a reputation for providing stability…
Budgeting 102: Sticking to your budget
Budgeting for a holiday or saving for a deposit? Even the best budget can unravel if the right tools are…
Monetary Policy Decision – Statement by Philip Lowe, RBA Governor, February 2021
At its meeting today, the Board decided to maintain the targets of 10 basis points for the cash rate and the…
How to build wealth in your 30s
To all the thirty-somethings out there, now’s your time to shine! These are the years that will shape the rest…
Starting strong: Your 2021 Tech To Do list
In a year where simply keeping the doors open was a challenge for many businesses, finding the funds for tech…
Super, death, and avoiding taxes
By Tony Kaye, Senior Personal Finance Writer, Vanguard Australia Having enough superannuation to enjoy a financially comfortable lifestyle in retirement…
Getting your super: Find out when you can access your super
You can get your super when you retire and reach your ‘preservation age’ — between 55 and 60, depending on…
Financial literacy: Why it’s important and how we can all improve
More than most, small business owners are responsible for ‘knowing their numbers’. But what happens when financial literacy is variable…
The difference advice makes being proven right now
People often make unwise or hasty decisions when they’re under stress. And a growing number of Australian households have found…
Market Update – January 2021
Highlights: Globally there were over 85 million confirmed Covid-19 cases at the start of January and over 20 million in…
Investing basics for first timers
The students of 2020 are graduating to the adult world in one of the most uncertain times in recent history…
Investing interstate
When people think of buying an investment property, many only think locally. Investing in a property interstate could possibly be…
Working with a financial adviser
Financial advisers are professionals who can help you plan and manage bigger financial decisions. Know what to expect when you…
Contents insurance: Protect the things you value in your home
Contents insurance covers your household items and personal belongings if they’re damaged, lost or stolen. This can include your furniture,…
Tax and super: How super contributions and withdrawals are taxed
How much tax you pay on your super contributions and withdrawals depends on: your total super amount your age the…
10 Australian women share their number one money tip
A smart saving strategy is just one element of achieving financial security – you also need a deliberate plan to…
Transition to retirement: Access your super while you keep working
A ‘transition to retirement’ (TTR) strategy lets you access some of your super and keep working. Setting this up can…
Low interest: Australia’s $1 trillion cash pool
The Reserve Bank’s decision this month to cut the official interest rate to a record low 0.1 per cent was…
Estate planning and superannuation
Many of us spend a great deal of time planning for our retirement but understandably, often do not put the…
Where to now?
Most working Australians have had an interesting time of it lately. The Reserve Bank of Australia (RBA) recently noted that…
Choosing a home loan
When looking for a good deal on a home loan (mortgage), the interest rate matters. A home loan is a…
How to create a good relationship with your new aged care facility
When moving into a new home it’s important to make yourself familiar with your new environment. Get to know how…
Which are you – a saver or investor? Or both?
Whether you are a saver or investor is an interesting and important question because in the long run it could…
3 ways to better manage invoice payments
For many businesses, invoice payments are a source of ongoing cost and headache. In this article, Graham Bowers discusses ways…
What Is A Reverse Mortgage?
A way for retirees to unlock the equity in their homes. The reverse mortgage or equity release loan is a…
Market Update – December 2020
Highlights: Joe Biden is the projected winner of the US presidential election, with the passing of the ‘safe harbour’ deadline…
The crucial super moves you need to make today
Many women reach mid-life with a significant superannuation shortfall. But it’s not too late to turn things around. Actions now…
Could flexible working be the key to saving your super?
How working flexibly can help you balance work and life as you save for a more secure future. Family responsibilities…
Life cover Financial protection for your loved ones when you die
A sudden death can place financial stress on those who depend on you. If this happens, life cover can help…
COVID-19 super and shares
During these uncertain times, you might be nervous about your investments. It’s important to consider your long-term goals and make…
Share in the excitement or bank on the house?
There are some great debates in Australian society that seem to never end. Aussies Rules vs Rugby League. The eternal…
Investing or gambling?
In the absence of retail, hospitality, cultural centres and sporting outlets, many of us have gravitated towards new activities to…
Monetary Policy Decision – Statement by Philip Lowe, RBA Governor, December 2020
At its meeting today, the Board decided to maintain the current policy settings, including the targets of 10 basis points for…
Investment preferences of the young
As a new wave of investors enter the Australian share market, new trends begin to emerge. ASX recently published its annual…
How much do you need to retire
You’ve spent decades working, so you don’t want to spend your retirement years scrimping for cash. How can you make…
Joint accounts: Understand the benefits and risks of joint accounts
A joint account is a bank account that more than one person can access. It can make it easier to…
A program to enhance super transparency
Superannuation fund members have experienced a rollercoaster ride this year as extreme volatility on financial markets has seen investment returns…
Managing your finances after divorce or separation
Until death do us part” …may not always be the case for some couples who tie the knot. While there…
How life insurance works
Life insurance can help protect you and your loved ones financially if something unexpected happens. What life insurance covers Different…
Is investing in bonds safe?
To no one’s surprise, there has been renewed interest in government bonds in recent months, considered safe havens during troubled…
Identity theft Protect your personal information
If your personal information falls into the wrong hands, it can be used to steal your identity. If you think…
Retirement income and tax
How much tax you pay on retirement income depends on your age and the type of income stream. For most…
Market Update – November 2020
Senator Biden is projected to win the US presidency, while President Trump’s chances hinge on successful legal challenges in multiple…
Why super balances fluctuate
Should you worry if your super balance is fluctuating? Or is it a sign that you’ve got the right long-term,…
How depreciation works for an older investment property
Depreciation is a key element of your investment property strategy. While depreciation tax breaks are higher on newer properties, they’re…
Diversification: Spread your investments and lower your risk
Diversification is an investment strategy that lowers your portfolio’s risk and helps you get more stable returns. You diversify by…
How to use the featured section on your LinkedIn profile
The LinkedIn profile featured section enables you to showcase posts, LinkedIn articles, links and documents on your LinkedIn Profile. This…
How much can home care cost
Key points: If you have been allocated a Home Care Package, the Government will subsidy the cost of home care…
Retirement: where to start
While many of us dream about the day we finally get to give up work and reap the benefits of…
5 financial management tips for sole traders during COVID-19 (and beyond)
If you’re a sole trader then managing your money is key to your success and, especially in 2020, your business’s…
How to find the right investments to help reach your goals
To invest well, you need to find investments that fit your financial goals, investing time frame and risk tolerance. Get…
How income from your investments is taxed
Lower tax on your investments can help you reach your financial goals sooner. But don’t choose an investment based on…
Managing investment risk and economic uncertainty
COVID-19 has uprooted our lives and done some strange things to investment markets. First there was a major crash. Then…
Market Update – October 2020
The upcoming US presidential election is contributing to market volatility and raising fears of a disputed election result, which could…
Managing the COVID-19 crisis–an update on Government policies that might affect you
The ongoing Coronavirus crisis is all over the news and while the reports from Victoria are concerning, it’s good to…
A beginner’s investment guide to long-term wealth
It’s often said that starting out early on one’s investing journey will deliver good long-term results. But in light of…
Your super fund, your choice
Choice is inherently regarded as a good thing, particularly in these COVID-affected times when some of our basic choices have…
Monetary Policy Decision – Statement by Philip Lowe, RBA Governor, October 2020
At its meeting today, the Board decided to maintain the current policy settings, including the targets for the cash rate,…
Are super contributions tax deductible?
Ever woken up on your birthday and found a horribly-wrapped present at the end of your bed? Plain paper, bulky…
Understanding the cost of public liability insurance
Public liability insurance is one of the most important business insurances in Australia. It can cover legal costs and compensation…
Insurance – giving you peace of mind in a crisis
If you’re a member of a super fund, it’s more than likely you have insurance through your super. The cost…
COVID-19 investment opportunities
COVID-19 sent shockwaves across the world and caused share markets to fall hard and fast earlier this year. While some…
Market Update – September 2020
The global economic recovery continues, however growth is uneven across regions and there were signs of a loss of momentum…
Low rates, high risk? Is it time for first home buyers to enter the market?
With record low interest rates, a flattening housing market and repeated assertions from RBA governor Philip Lowe that a rates…
Save for an emergency fund
An emergency fund is money you set aside to cover urgent or unexpected costs. This could be car repairs, unexpected…
Getting ‘review-ready’ for an ATO JobKeeper audit
As the ATO begins knocking on the doors of SMEs and sole traders with queries about their JobKeeper eligibility, quality…
Coping with market volatility
Recent volatility in investment markets can be frightening when you’re saving for retirement, but one of the key lessons from…
Shares: why long-term investing works
Some people invest in shares with a short-term view, looking to take advantage of small movements in share prices to…
Make fond family memories with one of these classic Fairy recipes
Cooking and making fond family memories have always gone hand in hand: who didn’t love waking up to the smells…
How To Build A Nourishing Breakfast To Satiate Until Lunch
Your parents weren’t kidding when they said breakfast is the most important meal of the day. Whether you enjoy it…
Building wealth in your 40s
While you may not be as invincible in your 40s as you are in your 20s—and possibly have a few…
Retirement Village Costs Overview
Key points: Always check the different retirement village legislation in your State or Territory Stamp duty applies depending on what…
Monetary Policy Decision – Statement by Philip Lowe, RBA Governor, September 2020
At its meeting today, the Board decided to maintain the targets for the cash rate and the yield on 3-year…
Estate planning and wealth
Ensuring you have an up-to-date and valid will is a central tenet of good financial planning, so it’s a little…
Insurance inside super — should you keep it?
If you’re a member of a super fund, it’s more than likely you have insurance through your super. The cost…
When Sleep is Elusive: Getting Quality Rest
We’ve all been there at some point — eyes wide open, trying not to look at the clock for confirmation…
How to do a budget
Having a budget helps you to feel in control of your money. You can put aside money for big bills…
Remote recruitment: When you need to hire without shaking hands
Recruitment is one of the many business functionalities that needs to be done differently in a COVID-19 world. Here are…
Buying property with other people: Mine, yours or ours?
When people buy property together, particularly if it’s with a partner or spouse, they often register the title in both…
Pandemic spurs a rise in investment scams
In the current low interest rate environment, an investment product offering low-risk, high returns may sound very tempting. That’s especially…
Financial lessons from COVID-19
The reality is, none of us can predict the future—not even experts. It’s equally true that good news is rarely…
How to boost your motivation in minutes
If you’re prone to procrastination, you’re certainly not alone. When there’s so much to do, it’s all too easy to…
Market Update – August 2020
Highlights: The impact of the Covid-19 pandemic on the global economy has been profound, especially in emerging, low-income economies with…
How to avoid burnout and find balance
“Burnout is what happens when you try to avoid being human for too long” – Michael Gungor Isn’t that the truth….
Corporate Wellness has never been so important
Corporate Wellness is emerging as crucial for SMEs preparing for return to work. Here’s what you need to consider. As…
Planning essentials for comfortable retirement
By Alexandra Cain As we approach and enter retirement, it’s important to ensure our investment strategy is appropriate for our…
Monetary Policy Decision – Statement by Philip Lowe, RBA Governor, August 2020
At its meeting today, the Board decided to maintain the current policy settings, including the targets for the cash rate…
Setting financial goals as a couple
Tackling financial goals together can help a couple understand each other’s priorities, develop good saving and spending habits, as well…
How to construct an effective portfolio
Portfolio construction is always a popular topic among investors, but as markets become more volatile, the practice of carefully piecing…
A handy toolkit for small business
Whether you use a registered tax agent or lodge your own tax return, it’s helpful to have information you can…
Why improving financial literacy could open the door to advice
CoreData’s research over the past two decades has consistently found that at any point in time, only around one in…
Financial Adviser and Accountant: What’s the Difference?
When you are looking for professional advice on anything to do with money, knowing who to turn to can…
Tax treatment of COVID-19 support payments
For most Australians, this tax time will be unlike any other. If you’ve lost your job, had to work reduced…
Starting the investment journey late
The power of compound returns is startling and the mathematics in favour of starting to save early in life is…
The power of compounding grows your savings faster
How compound interest works Compound interest is the interest you get on: the money you initially deposited, called the principal the…
Market Update – July 2020
Highlights: Since the initial outbreak, COVID-19 has spread to over 210 countries, and estimates indicate it could trim global economic…
Protecting yourself from Super and Investment scams
Super and investment scams target your personal wealth by convincing you to invest in fake schemes and companies. They’re very…
Monetary Policy Decision – Statement by Philip Lowe, RBA Governor, July 2020
At its meeting today, the Board decided to maintain the current policy settings, including the targets for the cash rate…
Track your spending
Tracking your spending is a way to take control of your money. Knowing exactly how much is coming in and…
Have you got a personal financial register?
Have you written a personal financial register, listing your super and non-super investments, your other assets, your income and any…
How to stay motivated as a new business owner
Finding motivation for starting a new business can be easy to come by, but as time passes these feelings may…
Budgeting for your engagement
From engagement onward, getting married is an exciting time. But it’s easy to get so swept up in the wedding…
The seedless watermelon generation – 7 tips to deal with fussy eaters
Gone are the days of childhood watermelon seed spitting competitions, a customary afterschool summer tradition of times gone by. Our…
Do your investment goals stack up?
There’s an old saying, to only focus on the things in life that you can control. But that adage has…
The trouble with market timing
In his book The Little Book of Common Sense Investing, Vanguard founder Jack Bogle included a very apt quote from Warren…
Coronavirus investment opportunities – what to look for in share markets
While share markets have experienced some of the sharpest falls in history, amid the Coronavirus pandemic, savvy investors have been…
6 Simple Rituals for Overcoming Stress & Anxiety
How often do you feel you are burning your candle at both ends? That no matter how hard you try…
A new world
By Tom Stevenson, an investment director at Fidelity International. A new world Jim Callaghan, an under-rated Prime Minister, put it…
Save for a house deposit
How much you need for a house deposit A great savings goal for a house deposit is: 20% of the…
Market Update – June 2020
Highlights: Key economies have so far avoided a resurgence in COVID-19 cases, but the World Health Organisation warned it continues…
How different investment types play a role in market volatility
Understanding what the different types of investments are, and how they work, can help to explain why events like Coronavirus,…
How a growth mindset can help you thrive under COVID-19 and beyond
In this article, John Rives of the Growth Mindset Institute provides his personal account of the outbreak of COVID-19, and…
Be aware of biases
As the curve continues to flatten and as states around Australia begin to ease lockdown restrictions, many might be wondering…
Monetary Policy Decision – Statement by Philip Lowe, RBA Governor, June 2020
At its meeting today, the Board decided to maintain the current policy settings, including the targets for the cash rate…
New tool helps make mental health everyone’s business
As rewarding as it can be, running a small business can also cause stress and anxiety. That’s why MYOB has…
Superannuation for younger investors
The Australian superannuation industry has been in the headlines almost every day in the past few weeks, with the Federal…
Dealing with market volatility for soon-to-be retirees
The global fight against Coronavirus, in addition to plummeting oil prices, has caused share markets to be far from stable….
Market Update – May 2020
Highlights: Shutdowns, isolation, and social distancing measures have had a profound impact on consumer-facing sectors and have resulted in…
Don’t fall for dividend yield traps
Australian shareholders are set to reap around $27.5 billion in interim company dividends over the next two months, courtesy of…
Retirement planning for small business owners
When you run your own business a good retirement plan can bring real peace of mind. Read more about your…
Binge-Worthy Podcasts For Slow Days
By Food Matters contributor, Tess Patrick. I love a good podcast. The ones that take you on a journey, that…
Why more couples should be super splitting
Australia’s $3 trillion superannuation system is largely framed around the long-term retirement needs of individuals. Current legislation doesn’t allow couples…
Look beyond the day to day
Focusing on the long-term can be difficult when the here and now is demanding your full attention. Saturation media coverage…
Why we need to keep talking about mental health in the workplace
In today’s non-stop work culture, stigma related to mental health is costing us more than money. To prevent long-term harm…
Monetary Policy Decision – Statement by Philip Lowe, RBA Governor, May 2020
At its meeting today, the Board decided to maintain the current policy settings, including the targets for the cash rate…
Extension to JobKeeper scheme and Update of Rules
Extension of time to enrol for the JobKeeper scheme The Commissioner has extended the time to enrol for the initial…
Managing the impact of volatile markets on your retirement savings
For retirees, satisfying your income needs today remains a top priority. But equally as important are your income needs for…
How early super withdrawals add up
The coronavirus pandemic is having profound effects on Australian families, communities, businesses, the financial markets and the global economy. Many…
Food for thought! Relieving stress using food
Stress, feelings of overwhelm, worry and fear are all normal and understandable reactions as we face the uncertainty of the…
Understanding the dangers with downsizing and super
There are often upsides and downsides in any piece of legislation, especially when it comes to superannuation. That’s the case…
Networking to improve business and mental health outcomes (even in lockdown)
Running a business can feel lonely at the best of times, and a lack of self-care can quickly cause mental…
Plan together with a pronup
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Market Update – April 2020
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April Economic Update with Bob Cunneen
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Monetary Policy Decision – Statement by Philip Lowe, RBA Governor, April 2020
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8 steps to prepare for the Financial Impacts of the Coronavirus
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March Economic Update – Bob Cunneen
The coronavirus has had a significant impact on investment markets. Bob Cunneen, Senior Economist at MLC, discusses what to expect…
ThreeSixty Research Market Update – March 2020
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February Economic Update – Bob Cunneen
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ThreeSixty Research Market Update – February 2020
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20 easy eco-resolutions every business should make in 2020
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Monetary Policy Decision – Statement by Philip Lowe, RBA Governor, February 2020
At its meeting today, the Board decided to leave the cash rate unchanged at 0.75 per cent. The outlook for the global…
10 Ways to save money in the kitchen and Save the Planet
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7 crucial questions you must answer before buying a caravan
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Affordable Destinations for Health and Wellness Holidays
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ThreeSixty Research Market Update – January 2020
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January Economic Update – Bob Cunneen
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Five ways to stick to your financial resolutions in 2020
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ThreeSixty Research Market Update – December 2019
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December Economic Update – Bob Cunneen
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Monetary Policy Decision – Statement by Philip Lowe, RBA Governor, December 2019
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In a rural Spanish town, wolves outnumber children. In the United States, carmakers are testing automated vehicles not in Silicon Valley, but…
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ThreeSixty Research Market Update – November 2019
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November Economic Update – Bob Cunneen
Which key events have been driving markets? Watch this video of Senior Economist Bob Cunneen in discussion with Portfolio Specialist,…
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Sometimes we don’t appreciate what we have in our own backyard. This is despite the plethora of astounding natural attractions…
‘Tis the Season to Spend Mindfully
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Go back in time! Australian historical attractions breathing with life
Encounter Murray River life from yesteryear at Swan Hill’s Pioneer Settlement in VIC. Australia has a fascinating history, and stories…
How to stop freaking out about speaking in public
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Three key ingredients to improve your odds of outperformance
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World’s Best Beaches 2019: The Votes Are In
How would you like to laze on one of the world’s best beaches for your next getaway? Voters in this…
How to be an effective leader: 6 tips
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10 Morning Habits Damaging your Health
The first things we do each morning set the tone for the entire day ahead. If we awake tired and…
ThreeSixty Research Market Update – October 2019
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10 monthly tasks for good business health
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10 handy tips for your first caravanning adventure
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Holiday Debt Regret: How to Avoid it
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Don’t let a down market get you down
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Our Essentials to Get Through the Workday
Say goodbye to sugar cravings, ‘hangry’ crashes and distracting thoughts through your workday with some of our favorite workday recipe…
Monetary Policy Decision – Statement by Philip Lowe, RBA Governor, October 2019
At its meeting today, the Board decided to lower the cash rate by 25 basis points to 0.75 per cent. While the…
How to procrastinate: nine tips from a pro
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Rumble or roar: the future for global equity markets
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September Economic Update with Bob Cunneen
Which key events have been driving markets? Watch this video of Senior Economist Bob Cunneen in discussion with Portfolio Specialist,…
ThreeSixty Research Market Update – September 2019
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Why do companies outsource? 6 key benefits for business owners
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How to Increase Motivation in Minutes
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Chart of the week: Australia’s economy is still in the slow lane
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5 Habits to Use Technology More Mindfully
By Food Matters contributor AnnMarie Skin Care Technology has become imperative to our daily work, activities and social life. It…
August Economic Update with Bob Cunneen
Which key events have been driving markets? Watch this video of Senior Economist Bob Cunneen in discussion with Portfolio…
Why ESG has moved from nice-to-do to must-do
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Wanted: Post-retirement advice for SMSFs
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Chart of the week: Is this a ‘gradual turning point’ for Australian wages?
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Top things to consider when returning to work
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ThreeSixty Research Market Update – August 2019
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5 tips for developing a business idea into a real venture
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Monetary Policy Decision – Statement by Philip Lowe, RBA Governor, August 2019
At its meeting today, the Board decided to leave the cash rate unchanged at 1.00 per cent. The outlook for the global…
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Monetary Policy Decision – Statement by Philip Lowe, RBA Governor, July 2019
At its meeting today, the Board decided to lower the cash rate by 25 basis points to 1.00 per cent. This follows a…
ThreeSixty Research Market Update – July 2019
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11 Budget-Friendly Family Meals
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Two years ago, 22,000 festival goers in England unknowingly agreed to clean public toilets and scrape chewing gum off the…
Can you afford to live to 95?
While our mortality is a grim subject, and an impossible one to forecast on an individual basis, we have statistical…
July Economic Update with Bob Cunneen
Which key events have been driving markets? Watch this video of Senior Economist Bob Cunneen in discussion with Portfolio…
Chart of the week: A trifecta of troubles has warranted the RBA cutting interest rates
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5 ways to take control of your money
Five ways to take control of your money, grow your wealth and start enjoying financial peace of mind. It can…
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Chart of the week: Is this a major turning point for US interest rates or just trimming the sails?
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June Economic Update with Bob Cunneen
Which key events have been driving markets? Watch this video of Senior Economist Bob Cunneen in discussion with Portfolio Specialist,…
ThreeSixty Research Market Update – June 2019
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ThreeSixty Research Market Update – May 2019
Highlights: The US labour market continues to tighten but the Fed is concerned that a cycle of perpetually low inflation…
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Keeping your super intact: It’s fundamental
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Statement by Philip Lowe, Governor: Monetary Policy Decision, June 2019
At its meeting today, the Board decided to lower the cash rate by 25 basis points to 1.25 per cent. The Board took…
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It was the Greek philosopher Heraclitus who noted that change is the only constant in life. And yet, more than…
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Chart of the week: Australia’s puzzling labour market appears set for a solution?
17 May 2019 Bob Cunneen, Senior Economist and Portfolio Specialist Sources: Reserve Bank of Australia and Datastream. A key strength…
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As we find ourselves in the midst of the war on plastic, we are seeing some (slow) progress in our…
Forget willpower: Why habits are the key to achieving financial goals
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Want to help boost your retirement savings while potentially saving on tax? Here are five smart super strategies to consider…
The Most Important Thing You Can Do For Your Health Every Morning
If you’re looking for one of the easiest morning rituals to transform your health, look no further than a glass…
May Economic Update with Bob Cunneen
Which key events have been driving markets? Watch this video of Senior Economist Bob Cunneen in discussion with Portfolio Specialist,…
Why you may want to hire an advisor to assess your age pension
About two-thirds of Australians are entitled to at least a partial age pension1, so most of us need to understand…
Estate planning: what your will doesn’t cover
Most of us think of estate planning as simply writing a will. However, ensuring your assets are distributed according to…
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It is usually taught or passed down to us through our parents and families and is as commonplace and unacknowledged…
Chart of the week: Should the Reserve Bank cut interest rates to support Australia’s economic growth?
8 May 2019 Bob Cunneen, Senior Economist and Portfolio Specialist RBA cash interest rate vs leading indicators Source: Reserve Bank…
Statement by Philip Lowe, Governor: Monetary Policy Decision, May 2019
At its meeting today, the Board decided to leave the cash rate unchanged at 1.50 per cent. The outlook for the global…
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Dividends but no real investment One of the simplest yet most effective investment scams is the ponzi scheme. The promoter…
The financial power of women
A state-of-the-nation report on the barriers to women investing. The research underlying this white paper was carried out via an…
Wanted: More voluntary super contributions
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Chart of the week: Is the global share rally more hope than experience?
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Whenever market volatility rises, the benefits of treating a good financial adviser as an investor’s behavioural coach are truly highlighted….
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When share market volatility rises, more investors would make the mistake of concentrating too much on short-term movements in share…
ThreeSixty Research Market Update – April 2019
Highlights: Data from the US has confirmed that the slowdown in growth has continued through early 2019, although March employment…
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Investors should be realistic. This means being realistic in setting their long-term goals, being realistic in their expectations for investment…
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Chart of the week: Is Australia’s consumer sentiment the canary in the coal mine?
12 April 2019 Bob Cunneen, Senior Economist and Portfolio Specialist …
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Given the financial demands of everyday life, planning your retirement may be a relatively low priority. You may also think…
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By Flying Solo contributor Karen Valadares All praise to the internet for making it easier to work on the go! It…
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Statement by Philip Lowe, Governor: Monetary Policy Decision, April 2019
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Chart of the week: Are bond investors too pessimistic on global growth prospects?
Bob Cunneen, Senior Economist and Portfolio Specialist Global economic activity vs Manufacturing surveys * The countries collectively known as…
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7 Things Healthy People Do Every Morning
My alarm is set to the song “Happy” by Pharrell Williams. It’s impossible to not smile when this song plays….
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You may have big dreams for your renovation project but with a bit of DIY and some shopping around, you…
Chart of the week: Australia’s labour market may be running out of positives
22 March 2019 Bob Cunneen, Senior Economist and Portfolio Specialist …
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Until recently, Australian house prices have marched upward so steadily that buying a house, while pricey, was rather predictable. That…
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Sleeping under the stars is an unforgettable experience. For some, the thought of camping is a scarier prospect than a…
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9 Ways To Minimize Plastic In Your Home
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A pie and sauce washed down with soft drink from a roadhouse. Or maybe a burger and fries at a…
ThreeSixty Research Market Update – March 2019
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If you could add $61,000 to your super fund in 10 years, would you do it? Of course you would,…
More super less tax
By making an after-tax contribution to your superannuation, you could boost your retirement savings for the future – and claim…
Chart of the week: Australia’s underperformance on unemployment
22 February 2019 Bob Cunneen, Senior Economist and Portfolio Specialist Source: Reserve Bank of Australia and Australian…
Things to ask a car dealer
Before you find a car and sign on the dotted line, there are a few things you should know. Here…
When super isn’t compulsory
As Australia’s $2.8-trillion super system attracts even more headlines than usual, more people may mistakenly assume that almost everyone in…
5 reasons why small businesses fail
By Flying Solo contributor John Refalo For many people starting a business is a dream but, at the same time, a significant…
January Economic Update with Bob Cunneen
Which key events have been driving markets? Watch this video of Senior Economist Bob Cunneen in discussion with Portfolio Specialist,…
Money saving tips for travel
Travelling cheaply needn’t mean you miss out. Find out the best ways to save big on your overseas holiday plans,…
Estate planning: Making it easier on family
It’s understandable to not have the answers if you’re asked about what will happen if you pass away. But if…
Not needed: A radically new investment strategy
Are you among the investors asking themselves: Is a radically new investment strategy warranted to deal with the challenging investment…
ThreeSixty Research Market Update – February 2019
Highlights: Fears of slowing growth momentum in the US and China are creating a sense of urgency for both countries…
Chart of the week: Is Australia’s confidence a concern?
14 February 2019 Bob Cunneen, Senior Economist and Portfolio Specialist Source: NAB Business Survey and Westpac Melbourne Institute (WMI) Consumer…
Is it a scam?
Story: You get a phone call. The caller says they’re from the ATO. They want you to pay a debt…
How to profit from demographics
Demographic trends promise something priceless. By observing the changing structure of a population’s age and income, patient investors who accurately…
Stress : The Health Epidemic Of The 21st Century
Do you feel like ‘stressed’ is your new normal state of being? Can you remember the last time you went…
Chart of the week: Has the fed cause to pause on raising us interest rates?
05 February 2019 Bob Cunneen, Senior Economist and Portfolio Specialist …
Monetary Policy Decision – Statement by Philip Lowe, RBA Governor, February 2019
At its meeting today, the Board decided to leave the cash rate unchanged at 1.50 per cent. The global economy grew above…
The future of retirement won’t be a cliff-edge goodbye to work
Imagine a baby is born in Europe at the very moment you finish this article. That child can expect to…
New Year resolutions, New Year strategies
Here’s some good news for investors. With a few straightforward New Year resolutions and strategies, they can become better investors…
Cost saving tips for running your car
You want to keep the cost of running your car down so you don’t end up drive your finances into…
Cheaper alternatives to superfoods
You’ll find no shortage of celebrities endorsing various superfoods all over the world wide web and their social media accounts;…
Planning for retirement
Many Australians will spend decades as retirees, that’s time spent working, travelling or spending time with their families. Planning for…
Top 5 tips to achieve your money goals in 2019
Make a plan for your money What are your money goals for this year? To give yourself the best chance…
What couples should know about joining finances
At some point in your relationship, chances are you might end up talking about sharing money. Every couple is different,…
ThreeSixty Research Market Update – January 2019
Highlights: The US Fed appears to be more cautious about the economy but remains in tightening mode, with a further…
Dealing with a serious health issue
Planning carefully and working through the issues can help if you or your partner experiences serious illness or injury later…
The great property debate
Politicians call them barbeque stoppers – a topic of conversation that immediately captures a lot of people’s attention. The property…
Boost business by inspiring others
By Flying Solo contributor Lucinda Lions As soon as my son turned 18 he started receiving letters and brochures from our…
How to transition to retirement
Find out how to transition into retirement easily We’ve given you a few tips to help you towards the next…
9 Foods You Should Eat The Moment You Feel Stressed
If you’re feeling stressed and overwhelmed you may reach for certain foods to make you feel better. This is not…
Chart of the Week: Recession in 2020: Will US economic growth yield to the curve?
14 December 2018 Bob Cunneen, Senior Economist and Portfolio Specialist US economic growth vs yield curve Source: Federal Reserve Bank…
Eight ways to boost your fitness in retirement
It’s time to put physical fitness at the top of your priority list and start enjoying the next phase of…
8 amazing Australian golf courses you must play
From Port Stephens to Port Hedland, Australia teems with beautiful golf courses. Better still, most are easily accessible to the…
How to save for retirement throughout your life
Whatever the size of your business, it’s never too early to start building your retirement income, ensuring a healthy financial…
Smart spouse investing
Spouses have clear motivations to at least consider the potential benefits of taking a co-ordinated approach to savings and investing…
ThreeSixty Research Market Update – December 2018
Highlights: The US economy is likely to face headwinds from the lagged effects of interest rate tightening and fading fiscal…
December Economic Update with Bob Cunneen
Which key events have been driving markets? Watch this video of Senior Economist Bob Cunneen in discussion with Portfolio Specialist,…
Chart of the week: Will the ‘trade truce’ work or is it wishful thinking?
5 December 2018 Bob Cunneen, Senior Economist and Portfolio Specialist Copper VS PMI* survey Sources: Markit and London Metal…
One memorable way to remember stuff
By Flying Solo contributor Lucinda Lions Have you ever said to yourself, “That’s a great idea, I don’t need to write…
How women can boost their super balances
Women face big challenges when it comes to saving for super. Often they earn less than men and take breaks…
Eat your greens! A four-step guide to ethical investing
Like many kids growing up in the 1970s I was taught to eat everything on my plate. It was good…
Chart of the week: Bitcoin’s crash is a mere tiptoe through the tulips
21 November 2018 Bob Cunneen, Senior Economist and Portfolio Specialist Bitcoin vs Tulip prices Sources: Reuters, Datastream. McClure.J.E and…
Chart of the week: Australian wages take a turn for the better
15 November 2018 Bob Cunneen, Senior Economist and Portfolio Specialist Australian spare capacity vs Wages *Spare Capacity measure…
A dynamic approach to retiree spending and drawdowns
Here’s a critical question for retirees and those nearing retirement: How much are you intending to drawdown and spend each…
Salary Sacrifice – no sacrifice at all
You can put extra money into your super before your salary reaches your bank account – this can potentially reduce…
ThreeSixty Research Market Update – November 2018
Highlights: US economic growth moderated in the September quarter but is underpinned by strong consumer spending growth. The IMF recently…
Reverse mortgages: Short-term gain, long-term pain
Residential property has long been a major store of wealth for average Australians. The home remains the primary assets for…
Dealing with the ‘housing wealth effect’ – to your advantage
Are you feeling wealthier, less wealthy or somewhere in between? You may be experiencing what is sometimes called “the housing…
Monetary Policy Decision – Statement by Philip Lowe, RBA Governor, November 2018
At its meeting today, the Board decided to leave the cash rate unchanged at 1.50 per cent. The global economic expansion is…
Chart of the week: Wall Street confronts the challenges of the Fed and rising wages
6 November 2018 Bob Cunneen, Senior Economist and Portfolio Specialist …
Chart of the week: Wall street moves from ‘perfection’ to ‘correction’
1 November 2018 Bob Cunneen, Senior Economist and Portfolio Specialist Forward…
What does the recent market volatility mean for investors?
John Owen, Portfolio Specialist, MLC What’s causing the market volatility? There are a number of factors worth noting. Very low…
Super choices for employees
If you earn most of your income from employment, you may want to make personal deductible contributions – instead of,…
Chart of the week: Is the Federal Reserve “crazy” or just President Trump’s budget plans?
19 October 2018 Bob Cunneen, Senior Economist and Portfolio Specialist …
Spending money for good
With thousands of charities competing for your donation, it’s important to do some research to make sure your money is…
ThreeSixty Research Market Update – October 2018
Highlights: The US economy is set to repeat the robust GDP growth achieved in the June quarter, although the figures…
Chart of the week: China turns on the money tap again
09 October 2018 Bob Cunneen, Senior Economist and Portfolio Specialist China’s economic growth vs…
Chart of the week: Is Australia in a credit crunch?
05 October 2018 Bob Cunneen, Senior Economist and Portfolio Specialist Australian credit and economic activity Source:…
Chart of the week: The Fed is still talking up interest rates
Bob Cunneen, Senior Economist and Portfolio Specialist US Fed’s interest rate and inflation projections …
Monetary Policy Decision – Statement by Philip Lowe, RBA Governor, October 2018
At its meeting today, the Board decided to leave the cash rate unchanged at 1.50 per cent. The global economic expansion…
Five ingredients of a great super fund
It makes sense to take a close look at your current super fund and consider whether your money could be…
The psychology of money
Money can make us anxious no matter how much we manage to save. Investors who succeed in building large portfolios…
Avoid the most common sharemarket trap
Perhaps the most common trap for share investors is to concentrate too much on the daily movements in share prices….
Chart of the week: China’s Great Wall against Trump’s trade war
20 September 2018 Bob Cunneen, Senior Economist and Portfolio Specialist China’s monetary condition indicators Source: Federal Reserve Bank of St…
ThreeSixty Research Market Update – September 2018
Highlights: Trade tensions between the US and China are still a source of significant uncertainty for financial markets. Political risks…
Chart of the week: Wall street’s sentiment is all ‘trumped up’ again.
06 September 2018 Bob Cunneen, Senior Economist and Portfolio Specialist …
Protecting your finances after redundancy
Being made redundant can mean some major lifestyle changes. For many, the biggest challenge is managing money while looking for…
The Twilight Zone with Trump, Trade Wars and Turkey
Bob CunneenSenior Economist & Portfolio SpecialisAugust 2018 The calendar year is coming to a close but some markets are…
Monetary Policy Decision – Statement by Philip Lowe, RBA Governor, September 2018
At its meeting today, the Board decided to leave the cash rate unchanged at 1.50 per cent. The global economic expansion is…
How high debt disrupts investment success
Cooling house prices – particularly in Sydney and Melbourne – may prompt astute existing and would-be homeowners to take a…
The power of financial role models
Role models are important in many stages of life. Be it school years, on the sporting field or in your…
Chart of the week: A slow train is coming for Australian wages
22 August 2018 Bob Cunneen, Senior Economist and Portfolio Specialist …
Chart of the week: A Turkish bath for global markets?
Bob Cunneen, Senior Economist and Portfolio Specialist …
ThreeSixty Research Market Update – August 2018
Highlights: US economic growth shot to an annualised 4.1% in the June quarter but the market is questioning whether this…
Chart of the week: Australia’s waiting game on interest rates
10 August 2018 Bob Cunneen, Senior Economist and Portfolio Specialist …
Boost your super – selling the family home
The new downsizer super contribution option could help turn your family home into a more comfortable retirement. A SUPER HOME…
Chart of the week: Italy’s ‘La Dolce Vita’ has turned sour
31 July 2018 Bob Cunneen, Senior Economist and Portfolio Specialist …
Monetary Policy Decision – Statement by Philip Lowe, RBA Governor, August 2018
At its meeting today, the Board decided to leave the cash rate unchanged at 1.50 per cent. The global economic expansion is…
Sorting out your finances during divorce: how to divide shared assets
When going through a divorce or separation, one of your first tasks will be to divide up what you own…
The case for being a realistic investor and consumer
Forecasts for subdued, lower returns over the medium-to-long term from diversified investment portfolios underscores the case of being a realistic investor…
Chart of the week: US’s inflation fate with higher tariffs
25 July 2018 Bob Cunneen, Senior Economist and Portfolio Specialist …
Five ways to boost your super
Did you know it’s likely you’ll spend up to two decades or more in retirement? It’s a long time, so will…
Tax-effective investment ideas
Want to get a better deal from the tax man on your investments? We’ll look at some investment options that…
ThreeSixty Research Market Update – July 2018
Highlights: US core consumer prices lifted in line with the Fed’s 2% inflation target, vindicating June’s rate hike. Slowing credit…
Chart of the week: Is the US’s labour market running on empty?
11 July 2018 Bob Cunneen, Senior Economist and Portfolio Specialist …
2017-2018 financial year in review – John Owen
https://www.youtube.com/watch?v=53x0ilykaxQ A good year for investors despite rising trade tensions The year to 30 June 2018 was generally…
Chart of the week: The Australian dollar still needs to ‘Mind the Gap’ on interest rates
5 June 2017 Bob Cunneen, Senior Economist and Portfolio Specialist Australian…
ThreeSixty Research Market Update – June 2018
Highlights: Inflation continues to creep higher and is close to or at 2% in major developed markets, although core measures…
Sizing-up your super with after-tax contributions
You’ll have heard the old, almost grandmotherly adage that ‘every dollar counts’. But guess what – it’s true. Voluntary…
Monetary Policy Decision – Statement by Philip Lowe, RBA Governor, July 2018
At its meeting today, the Board decided to leave the cash rate unchanged at 1.50 per cent. The global economic expansion…
Chart of the week: Australian house prices as ‘a tale of two cities’
25 June 2018 Bob Cunneen, Senior Economist and Portfolio Specialist …
The unstoppable rise of investing with purpose
Technology and the rise of social media are fundamentally changing how we choose to invest. In decades past, most investors…
Prepare for the unexpected – and expected
A way to help efficiently plan for your financial future is to focus on how best to handle what are…
Preparing your home for sale
Simple things like removing clutter can vastly improve the appeal of a home, and the good news from experts is…
Why the FANGs could bite into your portfolio
Redpoint Investment Management ABOUT REDPOINT Redpoint Investment Management Pty Ltd (Redpoint) is a boutique global equities manager headquartered in Sydney,…
Budgeting 101 working out your income and expenditure
Working out a realistic budget is a great way to take control of your finances. Although it may seem like…
Dollar-cost averaging: An investor’s emotional circuit breaker
The latest bout of higher sharemarket volatility reinforces the potential benefits of a disciplined investment strategy called dollar-cost averaging. It…
Chart of the week: Australia’s economic growth accelerates but watch out for those brakes
7 June 2018 Bob Cunneen, Senior Economist and Portfolio Specialist …
Monetary Policy Decision – Statement by Philip Lowe, RBA Governor, June 2018
At its meeting today, the Board decided to leave the cash rate unchanged at 1.50 per cent. The global economy has strengthened…
Chart of the week: ‘The Italian job’ on bond spreads and budget balances
30 May 2018 Bob Cunneen, Senior Economist and Portfolio Specialist …
Your key financial to – dos after divorce or separation
The early days of a divorce or separation can be a real challenge. Especially as you adjust to your new…
Waiting for the ‘perfect’ moment to invest
If you’ve got even the slightest interest in the world at large, you can’t have missed the news about the…
What your age should say about your super
Significant birthdays are either met with a high level of excitement…or dread. And the emotional response is generally driven by…
3 Ways rising interest rates could disrupt the economy
What is quantitative easing? Quantitative easing is when central banks purchase assets from the market to lower interest rates and…
ThreeSixty Research Market Update – May 2018
Highlights: The global economy lost some momentum in the March quarter, but fundamentals remain robust. US core inflation measures are…
A guide to buying your first home
You’ve made the next step in life and want to buy your first home, but you don’t know where to…
Chart of the week : The ‘end of cheap money ‘ is coming
7 May 2018 Bob Cunneen, Senior Economist and Portfolio Specialist …
Behavioural finance: Overconfidence
In a world of uncertainty in which our brains are often subconsciously working against us, it’s a good practice to…
2018 Federal Budget Analysis
Summary of Budget measures Note: These changes are proposals only and may or may not be made law. From 1…
Outside super: Our other personal investments
How does the value of your non-super savings compare to the value of your super savings? And do you take…
What’s the risk of not understanding risk ?
For most investors, a conversation with a partner or friend about lifestyle goals helps identify what risk really means to…
Monetary Policy Decision – Statement by Philip Lowe, RBA Governor, May 2018
At its meeting today, the Board decided to leave the cash rate unchanged at 1.50 per cent. The global economy has strengthened…
Measuring fear and greed on wall street
April 2018 Bob Cunneen, Senior Economist and Portfolio Specialist, NAB Asset Management “Investors should remember that excitement and expenses are…
A Will isn’t always the only way
You would have heard the saying ‘where there’s a will, there’s a way’. This statement is usually used to encourage…
Chart of the week: Australia’s confidence makes a comeback
16 April 2018 Bob Cunneen, Senior Economist and Portfolio Specialist, NAB Asset Management Sources: NAB and Westpac Melbourne Institute (WMI). Confidence…
Women get frank about finance
More than half of Australian women feel in control of their finances, but many are concerned about their savings and…
ThreeSixty Research Market Update – April 2018
Highlights: The global economy is maintaining momentum and inflation is gradually moving higher in line with central bank targets. Growth…
Wall street’s confidence stirred but not completely shaken
10 April 2018 Bob Cunneen, Senior Economist and Portfolio Specialist, NAB Asset Management …
Millions of multiple super accounts erode savings
One of the simplest ways to make your retirement savings more efficient and less costly is to get rid of…
CHART OF THE WEEK: A SHOPPING LIST OF REASONS FOR AUSTRALIA’S SOFT RETAIL SPENDING
4 April 2018 Bob Cunneen, Senior Economist and Portfolio Specialist, NAB Asset Management Australian nominal retail spending Source: Australian Bureau…
Monetary Policy Decision – Statement by Philip Lowe, RBA Governor, April 2018
At its meeting today, the Board decided to leave the cash rate unchanged at 1.50 per cent. The global economy has strengthened…
Chart of the week: Is The ‘Trump Trade’ now a ‘Trade War’ against Wall Street?
27 March 2018 Bob Cunneen, Senior Economist and Portfolio Specialist, NAB Asset Management US asset prices since President Trump’s election…
Eating out or in, which is better?
Eating out or in, which is better? How much is eating out really costing you? It might surprise you to…
Chart of the week: Could America’s ‘sweet spot’ of strong jobs and mild wages turn sour?
13 March 2018 Bob Cunneen, Senior Economist and Portfolio Specialist US interest rate vs inflation indicators view larger chart Source:…
Back to basics: avoiding the day to day temptation to time the markets
The best of times can also be the most worrying of times for investors. As we head off on the…
March Economic update with Bob Cunneen
Which key events have been driving markets? Watch this video of MLC’s Senior Economist Bob Cunneen in discussion with Head…
ThreeSixty Research Market Update – March 2018
Highlights: Perhaps paradoxically, February’s market turmoil was a response to signs that the global economy is reducing slack. US employment…
Shifting the dial on super
It is about now when those well-intentioned New Year resolutions start to come under pressure. The summer holidays are…
Chart of the week : Trump’s trade war shows the deficit in goods and goodwill
6 March 2018 Bob Cunneen, Senior Economist and Portfolio Specialist …
Monetary Policy Decision – Statement by Philip Lowe, RBA Governor, March 2018
At its meeting today, the Board decided to leave the cash rate unchanged at 1.50 per cent. The global economy has strengthened…
Got post-holiday debt lag?
Get out of debt and back in control of your finances with our simple money tips. Have a plan to…
What’s ahead for SMSFs?
It would be difficult to underestimate the impact that self-managed super has on competition between super funds – with both…
Chart of the week: ‘Made in Australia’ makes a comeback
26 February 2018 Bob Cunneen, Senior Economist and Portfolio Specialist Australian manufacturing vs global surveys View larger imageSources: Australian Industry…
Closing your insurance gap
A fundamental personal finance trap is to assume that your super fund’s default insurance cover is adequate for your circumstances….
Economic Update February – infographic
February 2018 Take a visual tour of markets during January. There were strong gains in global shares, China’s share market…
Chart of the week: “Back to the future” on share volatility
VIX Volatility Index Source: US Federal Reserve, St Louis View larger chart US shares have been in turmoil since…
ThreeSixty Research Market Update – February 2018
Highlights: The global economy is benefiting from a broad-based, cyclical recovery, supported by higher levels of investment and accommodative monetary…
Why your chances of a pay increase could finally be improving
With 2018 now underway, many Australians may have noted ‘pay increase’ in their new years’ resolutions list. While the economic…
Wall Street finally awakes to a “clear and present danger”
US shares vs Government bonds Source: Federal Reserve St Louis. Wall Street has fallen -4% over the past week. This…
Power of retiree super dollars
With the waves of baby boomers now nearing or entering retirement, it is hardly surprising that the ranks of retired…
Monetary Policy Decision – Statement by Philip Lowe, RBA Governor, February 2018
At its meeting today, the Board decided to leave the cash rate unchanged at 1.50 per cent. There was a broad-based pick-up…
Beyond share prices
Investors shouldn’t overlook that there are two components to sharemarket returns – dividend yield and capital gains (or losses). Few…
2018: A balancing act
Fidelity’s Investment Director, Tom Stevenson, shares his thoughts on investing in 2018. Most of the time investors don’t need to…
Four issues for investors to keep on the radar in 2018
“The inevitable never happens. It is the unexpected always.” John Maynard Keynes (1883 -1946) 2017 was a year of surprises…
Become a better investor through your holiday reading
Behavioural economist Daniel Kahneman – who teaches us to control our damaging behavioural traits to become better, more-disciplined investors –…
2017: The year in review
A very rewarding year for investors 2017 was a very positive year for investors, particularly those with substantial exposure to…
ThreeSixty Research Market Update – January 2018
Highlights: As was strongly anticipated by the market, the US Fed lifted the funds rate to 1.5% in mid-December. The…
Your rights when it comes to Direct Debits
Automatic bill payments Direct debits can help you organise your finances. Make sure you understand how they work and what…
Who can investors trust?
Trust can be tested in many ways. Consider this situation. You are sitting at a conference with 1000 or so…
ThreeSixty Research Market Update – December 2017
Highlights: The global economy continues to generate synchronised growth and markets are expecting these conditions to continue into 2018. In…
The critical difference between desired and required returns
We probably all remember during those long difficult car trips as children repeatedly saying such irritating things to our parents…
‘If only I had a second chance’
No matter our age, most of us would probably look back on some aspects of our lives and say to…
Monetary Policy Decision – Statement by Philip Lowe, RBA Governor, December 2017
At its meeting today, the Board decided to leave the cash rate unchanged at 1.50 per cent. Conditions in the global economy…
Realism-v-reality – working part-time as retirees
Are you planning to boost your retirement income by doing some part-time work once you eventually retire? Perhaps you have…
Faster than the wind – how mandatory super contributions help Australians get ahead
There’s a lot of debate in the superannuation industry about what constitutes an ‘adequate’ contribution rate. Most experts say…
Technology: An adversary in the fight for 2% inflation
It’s been a generation since inflation last ravaged Australia, with costs for ordinary consumer goods rising on a seemingly daily…