Why Your Future Self Will Thank You
Understanding the Time Value of Money (TVM) helps Australians make better long-term decisions with their money. From super contributions to mortgage repayments, even small choices can lead to big impacts thanks to compounding. Yet, present bias often leads people to prioritise short-term gratification. This article explores how simple habits, education, and automation can help turn time into a powerful ally in building financial security.
When Property Holds You Together
Australia’s housing boom is changing the dynamics of separation, with many couples feeling financially unable to divorce due to soaring property costs. Relationship “lock-in” is now a reality, particularly for families with children and shared mortgages. The article highlights the growing need for financial advice and policy reform to support couples navigating the intersection of housing stress and personal wellbeing. It also urges open discussions and planning around housing and wealth within relationships.
Wealth and Wisdom Amid America’s Monetary Hurricanes
US monetary policies are triggering global ripple effects, creating both risks and opportunities for Australian investors. As global capital shifts toward stable economies, Australians are urged to rethink traditional strategies – like the 60/40 portfolio – in favour of more diversified, flexible approaches. Practical tips include currency hedging, liquidity management, and staying calm through volatility. The key takeaway: resilience and preparation matter more than prediction in today’s unpredictable markets.
Q & A
- Super fund collapse concerns: The First Guardian case highlights the risks of poorly regulated super trustees – choosing a reputable fund and staying informed is key.
- Refunding franking credits: If you’re a low-income or retired investor, you may be eligible for franking credit refunds through your tax return.
- Preserving wealth in a downturn:Strategies include diversification, staying invested, and avoiding emotional decision-making during market volatility.
