Resources
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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When to charge your kids board
I recently came across a news story about a hapless New York couple, who have taken their 30-year old son to court in a last ditch effort to get him to move out of home. My first thought was “only in America”. But here in Australia, high rents and low housing...
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Watch out for tax scams
The end of the financial year will likely bring the usual wave of scams. Here’s what to watch for. The Federal Budget is behind us, and amid the celebrations over tax cuts (around $500 annually for low to middle income earners), now is the time to be mindful of...
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Get your new financial year game on
A new financial year is always a good time to review your finances and make sure they are in good shape. You’ll be starting this coming financial year wearing a confident grin with this list of eight things to do now to get new financial year ready. 1. Check in...
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3 things to do before end of financial year
I was speaking with a client recently at a networking event – we were catching up on how fast the last six months had gone and that it felt like just yesterday we were talking about planning for Christmas! We started discussing everything we both had on our to-do...
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3 Ways a Financial Adviser can help you
I was talking with a new client yesterday – he admitted to me in the start that he was hesitant to engage a Financial Adviser, because although he knew he needed some help – he really didn’t understand what to expect and how to know which areas of his finance he...
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Sport lovers enjoy better financial fitness
If your golf clubs have been under wraps or your tennis racquet has been tucked away for some time, it could be worth dusting them off. Research by AMP found Australians who play sport regularly are 64% more likely to achieve their financial goals than those who...
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Spread your money, reduce risk
Six out of ten Australians own investments outside of the family home and super. That’s good news. The only problem is that many people are still putting all their eggs in one, or just a few, baskets. The latest investor study by the Australian Securities Exchange...
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New legislation aims to benefit first home buyers and downsizers
Changes aimed at improving housing affordability have passed through parliament. See what the new rules could mean for you. Government proposals around improving housing affordability in Australia were passed through parliament on 7 December. i As part of the...
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Australia’s love affair with debt and 3 simple steps to take today
I was reading an article recently and it spoke about the risks associated with Australian’s love affair with debt. So, why is this important? There are a number of key factors why we need to stop and consider the risks. Factor number 1 - Household debt levels in...
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What do food and finance have in common? How a 3 course meal is just like managing your finances
Like many people I know - one thing I really enjoy is sitting down to a delicious meal. Although taste is important - it's also the opportunity to share conversation, catch up with friends and spend valuable time with family. Coming up to Easter, and a long weekend...
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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.