Millions but not all to benefit from 2017 super changes With changes to super now in effect, numerous Australians will get a leg up, many being low-income earners. According to the Association of Superannuation Funds of Australia (ASFA), more than four million Australians will benefit from the super changes that came into effect on 1…

Don’t be driven by short-term sentiment and emotion Arguably, the most common fear holding an investor back from achieving a great return is a misunderstanding of what happens when markets fall (as they invariably do). In order to use fear to our advantage, we would be well served to seek to understand the following three…

Super savings for your first home Let’s face it, getting your foot on the first rung of the property ladder is not only hard, for an increasing number of younger Australians, it’s downright impossible. As housing prices, particularly in capital cities, continue to outstrip wages growth, even saving for a deposit to buy a house…

Working after kids – is it worth it? To work, or not to work? That is the question many Australian women (and some men) have to consider after having children. Sadly, both options can have long-term negative financial consequences. While it would seem obvious that not working is likely to set your bank balance back,…

The clock is ticking on major changes to superannuation that come into force on 1 July 2017. The changes are wide-ranging and are likely to affect everyone’s retirement savings. But it can pay to plan ahead both to take advantage of the existing rules, and to make the most of the new super landscape. Here…

Your options in aged care explained With multiple avenues to explore, thinking about aged care earlier rather than later could provide you or your loved one with greater flexibility. It’s possible that in the future you, or someone close to you, may need some form of care or daily living assistance. With lots of information…

Should you lend money to family? You’re probably fairly used to helping your family out with a little extra cash here and there. Whether it’s pocket money for doing chores, or money to pay phone bills, go see a movie or buy clothes, for example. But what happens when they put their hands out for…

6 tips to having the right level of insurance cover When life is busy it can be easy to overlook the important things and take your own wellbeing for granted. But it pays to stop and consider how much your loved ones depend on you. If something were to happen to you, money is the…

2017 assets test changes – what you need to know Changes to the assets test have come into effect as of 1 January 2017 and could impact anyone who qualifies for the age pension. If you are currently 65 years of age or more, you must undergo an income test and an assets test in…

Negative gearing – smart strategy or risky business? Property is always a hot topic of conversation whether it’s on the news media or at backyard barbeques, everyone seems to be talking property prices.  Fuelling the conversation is the news that property prices in Melbourne and Sydney reached new peaks last September. The median house price…

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