Going back to work after having a baby

Published: September 8, 2017

Combining work commitments with family responsibilities can be something of a balancing act. We look at some of the expenses you might encounter as well as some of the financial benefits. The cost of childcare For most parents, the first thing that comes to mind when contemplating returning to work after having a child is […]

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5 ways to make your gap year attractive to employers

Published: August 28, 2017

Whether your gap year is made up of work, study, travel, volunteering, or all of the above, more than four in five people who’ve taken a gap year believe they’re more employable because of it.1 In fact, recruiters have also recognised that ‘constructive’ gap years can help people stand out from the crowd when it comes […]

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Your 5-point action plan when faced with redundancy

Published: August 16, 2017

Over a 12-month period, approximately two million Australians left their job and of those nearly one in five were made redundant1. Given the stats, it’s easy to conclude that many people will be faced with redundancy at some point, which is why we’ve pulled together the financial and non-financial considerations to tackle early on. After […]

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Is your SMSF retirement-ready?

Published: August 15, 2017

A landmark stage in the life of a self-managed super fund is when at least one of its members moves from the accumulation phase to retirement phase. SMSFs often have members in the accumulation and pension phases. And typical two-person funds have both members retiring within a short time of each other – if not […]

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Is the outside of your property turning buyers off?

Published: August 7, 2017

Are you in the process of selling your home or thinking about it in the not too distant future?   Perhaps you need a change of scenery, more space for a growing family, less space if the kids are grown up and living out of home, or maybe there are financial or health considerations at […]

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Do I have to downsize my home when I retire?

Published: July 31, 2017

So maybe you’re nearing retirement and thinking about selling the family home to free up some cash for the future. Or perhaps you’ve already retired and are considering downsizing to buy a more manageable property. Of course, there may be benefits of moving to a smaller place. You might be able to reduce or pay […]

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Making the most of flying solo in retirement

Published: July 28, 2017

Getting out and about is important in retirement, especially when you lose the social aspect of working. But what if there’s just you, and it means going to the theatre alone, dining at a table for one or travelling solo? Society tells us these types of activities can only be enjoyed with a companion. But […]

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You’ve finally paid off your home loan. Now what?

Published: July 28, 2017

You’re down to zero on your home loan? Congratulations! You’ve finally done what many people dream of. But while the goal of paying off your home loan is a common one, it’s important to work out a smart plan for how to use the money that used to go to your lender. Your first instinct […]

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A vital SMSF question: A corporate trustee or individual trustees?

Published: July 24, 2017

A self-managed super statistic that doesn't seem to change much over the years is the strong preference of new SMSFs for individual trustees rather than a corporate trustee. The latest-available tax office statistics on SMSF trustee arrangements show that 93 per cent of SMSFs established in 2015-16 had individual trustees – a percentage that has […]

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Why grey mortgage debt is rising

Published: July 21, 2017

A mix of low interest rates, high housing prices and waves of baby boomers nearing or already in retirement is increasing Australia's levels of grey mortgage debt. Greater longevity would also have made some of us more comfortable about carrying debt into older ages than in the past. Ideally, we would enter retirement with our […]

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