Generally speaking, Australian workers can choose which superannuation fund to use. Many don’t realise, however, that they can also choose how their superannuation is invested within the fund. In fact, it’s a common misconception that the superannuation fund is responsible…
Financial planning. That’s for people with lots of money to invest, isn’t it? Not necessarily. Sure, investment planning is an important part of financial planning, but underpinning the whole process of creating wealth in the first place is having a…
ESG, SRI, Ethical Funds, Ethical companies. These are the trend words around Responsible Funds Management in recent times. Locally it is no coincidence. The rise of Ethical Funds Management has come off the back of a horrendous 2019 fire season,…
When planning retirement, anticipating expenditure can be difficult. Particularly, essential vs discretionary spend, or put more simply, needs vs. wants. A recent Milliman report reviewed the spending patterns, behavior and trends of Australian retirees over the past 20 years. The…
So you’ve seen the light. The days of partying and wasting money are behind you. Maybe you’ve settled into a relationship, or maybe you’re just feeling like it’s time to be a little more financially responsible – but where to…
With an aging population, an increasing number of Australians are opting to live in retirement villages. While pitched at the ‘over-55s’, the average age of entry is 75, and average age of residents is 81. Depending on the retirement villages,…
A huge barrier to people getting ahead with their money is financial literacy – in other words the understanding of concepts, investments and strategies. By nature, people are less inclined to do something if they don’t understand it. When it…
We’re big believers that people should take the initiative to learn and educate themselves about financial matters. In fact we speak with many people about general financial concepts all the time – at no cost to them except their time….
The word “retirement” conjures up many images. While most baby boomers might be dreaming of more time on the golf course or booking a cruise, you might be thinking about buying a business. Crazy? Maybe not. Seniors bring life experience…
Australian retirees are facing a ‘double whammy’ when it comes to funding their retirement. On the one hand we, as a nation, are enjoying longer and healthier lives. On the other hand, record low interest rates have slashed the returns…
