Now’s the time for tax planning

Published: April 16, 2018

With less than ten weeks remaining to the end of the financial year, now is the time to start some serious tax planning. Getting ready for tax time should go well beyond bundling receipts into a shoe box for your accountant. The run up to 30 June is a critical time for investors to take […]

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Planning for a (much) longer life

Published: April 13, 2018

We generally need to make earnings from 40 to 50 years in the workforce extend across what could be 80 to 90 years of living. Australians today need to do something our parents and grandparents didn’t even think about – plan for a long life, and a new report shows the benefits of planning for longevity […]

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US China trade war fears – Q & A

Published: April 12, 2018

Introduction Much has been written about the trade dispute between the US and China and the risk of a global trade war. Much of it has been hyperbole but financial markets have had to price in the risks of a full-blown trade war zapping global growth. This has been difficult given almost daily developments on […]

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5 tips to save money at university

Published: April 4, 2018

Back at uni? Do away with the poor student clichés with these money making and money saving tips. Students aren’t exactly known for rolling in cash, but by following these simple tips to save money at university you can make the most of what you’ve got. 1. Get a part-time job This might seem obvious, but part-time […]

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New rules to benefit those downsizing for retirement

Published: April 4, 2018

Downsizers will be able to top up their super with the proceeds from the sale of their main residence from July 2018. From 1 July 2018, Australians aged 65 and over who are downsizing for retirement will be able to contribute the proceeds from the sale of their main residence (up to $300,000) into super1. We […]

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Life cover – do you even have it?

Published: April 4, 2018

If you have family, dependents or debt, life insurance might be important, but one in four Aussies don't know whether they have it. If you die and your life is insured, your beneficiaries receive a lump sum pay-out. This money can be the difference between the people who matter most to you enjoying a decent […]

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Monetary Policy Decision – Statement by Philip Lowe, RBA Governor, April 2018

Published: April 3, 2018

At its meeting today, the Board decided to leave the cash rate unchanged at 1.50 per cent. The global economy has strengthened over the past year. A number of advanced economies are growing at an above-trend rate and unemployment rates are low. The Chinese economy continues to grow solidly, with the authorities paying increased attention to the […]

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Share market volatility – Trump and trade war risks

Published: March 27, 2018

After the calm of 2017, 2018 is proving to be anything but with shares falling in February on worries about US inflation, only to rebound and then fall again with markets back to or below their February low, notwithstanding a nice US bounce overnight. From their highs in January to their lows in the last […]

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Personal debt – maybe the mortgage isn’t so bad

Published: March 27, 2018

Household debt in Australia is high but more of us are taking a sensible approach to debt management. Nationally, our household debt ratio is nudging 200%. On paper it means we owe twice as much in debt as we bring home in our pay packets each year. It sounds like an alarming figure but as […]

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Why it pays to contribute to your partner’s super

Published: March 27, 2018

If your other half is a stay-at-home parent, working part-time or out of work, adding to their super could benefit you both financially. If your spouse (husband, wife, de facto or same-sex partner) is a low-income earner or not working at the moment, chances are they’re accumulating little or no super at all to fund […]

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