Resources
3 Financial Goals For Your New Year Resolutions
The beginning of a New Year is the most popular time to set goals and make plans. Everyone’s resolution list should include a few financial resolutions. As you think about 2019 and your goals for the New Year, consider putting a plan to start the New Year off on the...
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Money Parent Personalities – Which One Are You?
Your children will learn about money from someone. You have the opportunity to be the positive example in their lives and the guiding voice they can trust. New research released by the Financial Planning Association (FPA) of Australia confirms frequent money talks...
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Holiday Budgeting Tips | 12 Ways to Avoid Waste This Christmas | How to Spend More Mindfully this Christmas
This issue of financial snapshot includes: Holiday budgeting tips. Ideas to help you enjoy your holiday without a lingering debt as an unpleasant reminder. This includes tips for before you go, while you are travelling, and when you return. 12 ways to avoid...
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3 Ways To Enjoy Your Retirement
When I talk to the happiest retirees, I know their retirement joy is rarely about money. On the other hand, when I talk to retired people who are not enjoying retirement, financial stress is often a major culprit. Money may not guarantee retirement happiness - but...
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3 Top Tips for Christmas Budgeting
There are less than 7 weeks until Christmas, which means families across Australia will soon be putting up decorations, hitting the shops for gifts and filling the cupboards with festive treats – some will have started already! It can be hard to manage and keep track...
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How Much Super | Financial Stress | Secrets to a Long Life
This issue of financial snapshot includes: How much super should I have at my age? This allows you to compare your current super balance to the average for your age group. While this is interesting, and something I am often asked, the right amount of super for you...
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Maximise Your Super For Retirement
With life expectancy climbing it’s never been more important to make sure your super is in good shape. Younger people need to keep in mind that the current Age Pension and associated concessions will likely look very different by the time they reach retirement age....
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Falling Australian House Prices – how far and how long?
Now is a time for caution in residential property investment with Sydney and Melbourne currently appearing expensive with prices likely to fall further and very low rental yields. Top to bottom falls could be around 20% (for Sydney and Melbourne). If you are...
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3 Reasons That Stop Parents Talking About Money
Money talk is one of the few topics parents avoid discussing with their children. Having a money talk with your children is one of the most important things you can do as a parent. The money talk is never easy, which means it is better to have it over time. I was...
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3 Reasons Why Investing In Cryptocurrency May Pose a Risk
Recently I was discussing with a client his plans for future investment. He advised me that he had been thinking about investing in Cryptocurrency. Cryptocurrency is a digital currency in which encryption techniques are used to regulate the generation of units of...
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Slow Investment Returns Likely Over Next Five Years
In this article by Shane Oliver, he suggests that given the low interest rate environment, returns are likely to also be low over the medium term (5 to 10 years). He provides some framework for estimating returns and suggests a projected 6.2% return per annum for a...
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3 Tips For Parents of the Invisible Money Generation
As a parent I am familiar with the challenges around getting children to understand what money is. It is even more difficult as we become a cashless society. It is so easy to tap the plastic (or your phone with a virtual wallet) and not even know how much you paid....
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Nine keys to successful investing
Key points Investing during times of uncertainty can be nerve wracking, but even in good times it can be problematic. For this reason, it’s useful for investors to keep a key set of things – call them rules – in mind. The key rules I think are to: make the most of the...
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Trumponomics and investment markets
Key points So far President Trump has been positive for share markets but this year the focus is increasingly shifting to populist policies with greater risk for investors. The key risks to keep an eye on in this regard relate to trade conflict and the expanding US...
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CASE STUDY: A Plan For The Future
I recently worked with a couple who worked in the professional services field that came to me as they felt overwhelmed. They worked extremely hard but felt like they were going nowhere financially. They felt that they did not have a plan in place for the future....
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2017-18 saw strong returns for diversified investors – but there’s a few storm clouds around
Key points 2017-18 saw strong returns for diversified investors, but it was a story of two halves with strong December half returns but more volatility in the past 6 months. Key lessons for investors from the last financial year include: turn down the noise around...
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3 Steps To Managing Study And Life At The Same Time
Life is busy! I know being self-employed makes life more challenging for me to find the balance with family, fitness and health. But what happens to the life balance when you decide to study and further your career? I decided to study and complete my Certified...
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3 Tips to Develop a Plan For Retirement
I was speaking with a client recently about what was required of him to be able to retire and continue living the lifestyle he was accustomed to. With the cost of living increasing, it has never been more important to make the most of your finances during your years...
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3 Ways To Do The Ekka On A Budget
My wife and I were talking last week about our memories of the Ekka and how quickly it has come around again. We both grew up in NSW, so only have recent memories of the Ekka. The Ekka is one of the great family events of the year. What makes the Ekka such a...
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3 Questions To Consider When Faced With Redundancy
One of the key realisations that many people will face during their working lives is that nothing is permanent. It’s highly likely that either yourself or someone close to you will face redundancy in the future. This is due to the changing nature of work and the...
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This website contains information that is general in nature. It does not take into account the objectives, financial situation or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information.