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Helping You Find Your Financial Path

When it comes to personal finances and ways to build your wealth it seems that everyone has an opinion – and a preferred pathway for wealth accrual. From your mate down the pub who likes to share his stock market tips to your friend at work who has a constant stream of ‘get rich quick’ [...]

By | June 21, 2018|

Review your Mortgage

If you have a mortgage this is likely to be your biggest monthly expense so it’s a good idea to check your progress at least once a year. Why not use some of the savings you’ve identified and increase your repayments to save interest? If your mortgage has a redraw facility you could use this [...]

By | June 18, 2018|

Take a budget snapshot

You can’t set realistic financial goals and savings targets without knowing how much money you have at your disposal. If you don’t already track your income and spending, then take an annual snapshot as you go through your records to prepare your annual tax return. Deduct your total spending from total income and what’s left [...]

By | June 14, 2018|

Surge in spending ahead of election battle

The Federal Government has turned the spending tap back on, signalling the end of the revenue drought since the GFC and the end of the mining investment boom. Australia is in a much stronger economic position than it was a year ago, but question marks remain over the sustainability of new spending promises and whether business [...]

By | May 14, 2018|

Value of Life Insurance

Thinking about the unthinkable When asked, most people say the thing they value most is family. Yet when it comes to insurance many of us cover our car and our home but overlook our most important assets – our life, our ability to earn an income and the wellbeing of the people who depend on [...]

By | April 9, 2018|

Home and Away with Super

Australians buying their first home or downsizing in retirement are about to receive a helping hand thanks to new superannuation rules which come into effect on July 1. From that date, first home buyers will be able to contribute up to $30,000 into their super fund towards a home deposit while downsizers can put up [...]

By | March 19, 2018|

2017 Year in Review

Investors had plenty to smile about in 2017, despite a world of worries on the geopolitical stage from the Middle East to North Korea and the South China Sea. The global economy continued its steady improvement and financial markets produced some excellent returns. Australia’s economy grew by 2.8% in the year to September, marking 26 [...]

By | January 15, 2018|

Is technology really making it easier?

Much is made of the way that social media makes it easier to connect with friends and family you don’t see often. There’s a reason that Facebook’s tagline is the somewhat emotive: ‘...helps you connect and share with the people in your life’. Proponents of digital communications platforms say that accessibility and human-centred design means [...]

By | September 25, 2017|

Super Insurance

There are three types of insurance you can hold inside super: life, total and permanent disability (TPD) and income protection insurance. Many super funds automatically insure their members and will provide a (relatively small) payout if, for example, they die or suffer a debilitating accident. But the level of default cover is likely to fall [...]

By | September 13, 2017|

Economic Update

Most of the top 200 ASX-listed companies have now announced their results for the 2017 financial year and the overall report card is good.   According to CommSec, 90 per cent of companies reporting full-year results turned a profit while 91 per cent paid a dividend. Earnings were up a combined 67 per cent on [...]

By | September 4, 2017|