Education is the gift that keeps on giving. If you are considering a private school this article is for you as we discuss how to save for your child’s education. Education is the gift that parents can give their children that keeps on giving. But if you are considering private schools it is a gift … Read more
Given the inherent volatility of security prices in capital markets, it is useful to remind ourselves of strategies that investors can utilise to meet their investment goals. This is important when constructing and positioning a diversified portfolio of assets, a challenge that most financial advisers face daily. Reminding ourselves of the fundamentals of portfolio construction … Read more
With interest rates on the rise and investment returns increasingly volatile, Australians with cash to spare may be wondering how to make the most of it. If you have a mortgage, should you make extra repayments or would you be better off in the long run boosting your super? The answer is, it depends. Your … Read more
While you may not need a six-figure salary to invest in property, those who earn a relatively low income will require a little more creative thinking to start a portfolio. Here are some tips to help you get started. Find an investor-friendly loan The challenge for low-income earners is the time it takes to save … Read more
Despite much talk of rising interest rates and possible recession, here are a few reasons to stay the course and stick to your long-term investment strategy. There has been much discussion of rising interest rates, recent inflation spikes and ongoing market volatility impacting investment and super balances. Add to that the increased chatter about the … Read more
As the days get longer and we understand more about how the outlook for interest rates and the property market are shaping up, it’s the perfect time to pull back the curtains to give your home loan and general finances a thorough spring clean. You’ll then be in a better position to stay on top … Read more
Having a career is so much more than making a living. It is immeasurably life enhancing to be doing something you enjoy and to feel a sense of progression as you develop in your chosen career. But developing and maintaining a satisfying career does not just happen, it takes work but the good news is … Read more
Investing on behalf of your children can give them a great financial head start in life. And the earlier you can begin, the higher the potential financial rewards for them in the longer term. The combination of regular ongoing contributions and compounding investment returns can add up to a decent chunk of money for buying … Read more
A good estate plan will help make sure your wishes are carried out when you die. It can also help if you become unable to make your own decisions. Estate plans An estate plan records what you want done with your assets after your death. It can include documents such as: your will a testamentary … Read more
In the past, most people who took out a mortgage doggedly continued with it until they had paid it off. These days, people refinance their mortgage much more frequently. Here we look at some of the reasons people in Australia refinance their home loan. To get a lower rate The most common reason for people … Read more
A capital gain or loss is the difference between what you paid for an asset and what you sold it for. This takes into account any incidental costs on the purchase and sale. So, if you sell an asset for more than you paid for it, that’s a capital gain. And if you sell it … Read more
While it’s difficult to be the best investor in the world, we can all actively avoid being a ‘bad investor’ by learning from history and staying the course. Extended periods of market volatility regularly spark discussions around great investors and the traits that qualify folks to be included in that category. This is probably because, … Read more