12Feb

Essential moves to make when interest rates drop

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By Vanessa Stoykov When interest rates drop, it often sparks excitement, as people start thinking about lower repayments, cheaper loans, and extra cash flow. While it’s tempting to pocket the savings and treat yourself, a drop in interest rates presents an incredible opportunity to make smarter financial decisions that can set you up for the […]

12Feb

Do you still have to worry about tax in retirement?

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There are plenty of things you won’t have to worry about once you retire, but depending on your situation, tax might not be one of them. Below, we look at the various ways tax applies to your super, investment income, and other areas of your finances. Super withdrawals The good news is that super withdrawals […]

12Feb

Prenups: What are they and when should you consider one?

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Ideally, your life partner ends up being just that — a partner for life. But if things don’t go as planned and your relationship ends, it can help to have a plan for your assets that was drawn up during less stressful times. A prenup — or financial agreement as it’s known in Australia — […]

12Feb

What to know before going guarantor on your child’s loan

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These days, many Aussies are stepping in to help their kids get their home loan applications over the line. That often takes the form of cash gifts, but there are other ways to assist that don’t involve parting with your hard-earned savings, such as acting as a guarantor. Put simply, going guarantor means using the […]

12Feb

How to stop inflation derailing your retirement goals

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The rising cost of goods has been a major concern for Aussie households for some time now. And while inflation in Australia seems to be coming down from its unnerving highs, many of us are still struggling to adjust. Inflation by itself isn’t necessarily a bad thing — in fact, low and predictable inflation is […]

13Jan

How rewriting your personal money rulebook can set you up for success

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When it comes to money, most of us are walking around with a set of rules we didn’t even choose. These rules—unspoken, inherited, or reinforced by years of habit—often limit our ability to thrive financially. And here’s the real kicker: many of those rules were never built for the world we live in today. Unlearning […]

13Jan

Ways to help prevent claims on your estate

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Estate planning is a delicate business, and despite your best efforts there’s always a chance things might take a turn for the messy after you’re gone. If one of your loved ones feels especially slighted, they might even decide to file a family provision claim. These can be drawn out, expensive, and — in the […]

13Jan

Financial housekeeping tips to start the year on the right foot

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Many people put off giving their finances an audit, often out of a lack of motivation, fear of what they’d uncover, or uncertainty about where to begin. But just like visiting the doctor to screen for any potential health issues, it pays to review your finances regularly so you can identify problems and get to […]

13Jan

Gifting assets to your children: Here’s how tax applies

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Thinking about gifting assets to your children? You might be hoping to give them a leg-up in life, or you might be in the middle of estate planning and looking to reduce the chance of conflicts breaking out after you pass away. Whatever the reason, it’s common for parents to give cash, cars, and even […]

13Jan

Are you in the retirement risk zone? Understanding sequencing risk

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There’s no telling how the market will perform in a given year. While many investors like to consider themselves expert prognosticators, the market operates according to whims that are difficult to accurately predict. But all the ups and downs you learned to live with throughout your working life become much more consequential as you approach […]

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