Retirees are often anxious when they retire. Their regular salary ceases and they need to adjust to living off their superannuation, any investments and the Age Pension (if they qualify). Many retirees try to live off the income their super or investments generate – without eating into their capital. Up until 2020 we would advise…

Beginning my career in financial services in 2007, what impressed me most about the profession was (and still is) the immense amount of value we could provide to clients through the provision of strategic financial advice. One strategy that particularly stood out to me most (2007/8 and 2008/9 financial years) was utilising generous concessional contribution…

Investors usually have mixed feelings about cash. In bull markets, cash is shunned whereas in volatile bear markets, when equities and bond prices are falling, it can be looked on as a safe heaven and ready liquidity. Attempting to successfully time your re-entry into markets can be challenging even for professional fund managers. Fund managers…

Building a bridge to recovery In what has been billed as one of the most important budgets since the Great Depression, and the first since the onset of the COVID-19 pandemic dragged Australia into its first recession in almost 30 years, Treasurer Josh Frydenberg said the next phase of the journey is to secure Australia’s…

After a year when even the best laid plans may have changed due to COVID-19, people who were planning to retire soon are reviewing their plans. Whatever your circumstances, a financial review may be required to get your retirement plans in order. You may even find you’re in better financial shape than anticipated, but you…

Self-managed super funds (SMSFs) have had a challenging year, with COVID-19 linked market uncertainty affecting income and returns. But SMSF trustees haven’t been sitting on their hands. One of the main reasons people give for wanting to establish an SMSF is to have greater control of their investments and taking control of a difficult situation…

The start of the financial year is always an excellent time to take stock of your current situation and visualise where you’d like to be in the future. It’s fair to say this year hasn’t been ‘business as usual’! While no-one could have predicted the first six months of 2020, nor want to repeat them,…

With many people now working from home because of COVID-19, some of the expenses your employer normally pays – such as electricity, heating and cooling – are now coming out of your wallet. Although some employers may provide a daily allowance to help with these additional costs, if you’re not receiving anything it’s important to…

Many Australians love sport, and as a result, we can be a bit obsessed with “averages”. Perhaps the most famous average of all is likely to be Don Bradman’s Test batting average of 99.94. For example, did you know that the mailing address for the ABC in each state is GPO Box 9994, which was…

It was a year of extremes, with shares hitting record highs and interest rates at historic lows. Yet all in all, 2019 delivered far better returns than Australian investors anticipated at the start of the year. The total return from Australian shares (capital growth and dividend income) was 24 per cent in the year to…

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