How you’re over-spending and impacting planet earth

Published: March 29, 2016

Whether you’re across the state of climate change and the impact of your carbon footprint or not, doing your bit could help the planet and see you generate significant cost savings at the same time. We look at six areas where ‘going green’ may save you thousands of dollars each year. Save energy Using energy […]

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Debt outstrips income growth

Published: March 21, 2016

Household debt has grown by 5.3% above the rate of inflation, leaving our income growth rate of 1.3% trailing in its wake. The decision last week by the Reserve Bank to keep the official cash rate on hold is good news. Sure, those of us with a home loan would have preferred a rate cut, […]

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No such beast as an ‘SMSF-qualified’ property

Published: March 15, 2016

Whether a piece of real estate is an appropriate investment for an SMSF much depends on the circumstances of the fund and its members, whether the property is a worthwhile investment and, critically, a fund’s mandatory investment strategy. Further, SMSF trustees should only accept investment advice from the holder of an Australian financial services licence […]

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Closing the deal as a first home buyer

Published: March 14, 2016

Have you been looking for the home of your dreams or an investment property for a while now? If you’re across the costs associated with homeownership, the government rebates available and your loan has been pre-approved by your lender—you’re part way there. The finishing line draws near when you locate the ideal place and put […]

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5 common SMSF myths

Published: February 29, 2016

You could call it tall poppy syndrome. With SMSFs now the largest and fastest growing sector in Australian super, they’ve attracted plenty of commentary from the media and super industry insiders, some of it wide of the mark. Now it’s time to sort out the myths from the reality. The myth: SMSFs don’t diversify The […]

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Strategies to help investors achieve real returns

Published: February 24, 2016

It is likely that diversified investment returns are going to be lower over the next few years than what they have averaged over the last couple of decades; thirty-five years ago bond yields in the US were 15% and today globally they are routinely negative or very low. Diversified fund performance reflects these trends with […]

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How emotional investing can affect investment outcomes

Published: February 24, 2016

What is emotional investing and how can it affect investment outcomes? In this interview, Jeff Rogers delves into the world of emotional investing and provides guidance to help investors avoid some common mistakes. How would you describe an emotional investor? Emotional investors are those who make decisions impulsively, buying in response to hype or selling […]

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Is de-risking at the point of retirement the right thing to do?

Published: February 24, 2016

A popular portfolio management theory is that people should de-risk their portfolios around the date of retirement and make the switch from growth assets to income-producing assets. But this may not necessarily always be the correct approach. Although there are many circumstances where this strategy makes sense, it’s important to not apply a blanket approach […]

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Fixed vs variable home loans

Published: February 11, 2016

If you're about to buy a house or you're looking to refinance you may be asking yourself, should I fix my home loan or not? Especially with interest rates at an all time low. Here are some things to consider to help you decide. What you will gain by fixing your home loan Fixed rate […]

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What is the best time of year to buy a house?

Published: February 10, 2016

While spring is renowned as the time that sellers dust off their properties and place them on the market, this doesn’t mean it is necessarily the best time for buyers to go shopping. One of the biggest issues with shopping in spring is the flood of other buyers looking to snag their dream homes, which […]

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