News & Articles
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July 2024 Newsletter
With the shortest day behind us, the longer days ahead will give us a chance to enjoy the outdoors, even if there’s still a need to rug up. Life Goes on2023-24 provided another year of strong returns for investors with key themes:- Lower inflation globally :...
What’s all the noise about loud budgeting?
Loud budgeting is a trend that may have started as a joke but is being embraced by those who want to share their financial goals and priorities and in doing so, also improve their chances of achieving them. It was comedian and writer Lukas Battle who brought the...
2024 July : Flight Path to Success
In the journey of achieving your financial and lifestyle goals, think of your personal financial strategy as the flight plan guiding us to your desired destination. Over the past year, we’ve navigated through varying market conditions, achieving solid results for...
New increased super contribution caps
As the end of financial year gets closer, some investors are thinking about the most effective ways to boost their super balance, particularly with an increase in the caps on contributions from 1 July. The concessional contributions cap, which is the maximum in...
Destinations to fire up your passions
The world is an amazing place, with so much to see and do. In fact, sometimes it can feel as though there is so much to experience it can be quite a challenge selecting a destination, but if you follow your heart and explore your passions when planning a trip you...
Market movements and review video – July 2024
Stay up to date with what's happened in markets and the Australian economy over the past month. Despite some signs of a weakening economy with stalling growth and a softening labour market, persistently high inflation is acting as a roadblock to the RBA’s possible...
The US presidential election – implications for investors and Australia
Key points - The run up to the 5th November US election could see increased share market volatility if Trump remains ahead and investors focus on the risks of a new trade war and a hit to the US labour force and to the Fed under Trump. - Historically, shares have...
Market Report: June 2024 and ahead
Overview Equity and bond markets continued May's positive performance into June. Major equity indices reached new highs in the first half of the year, while bond markets showed signs of stabilization following a period of volatility. Growth equities performed well,...
Enjoy the now and secure your future
Managing your financial situation always involves tension between how you live your life now and preparing for your future – whatever that looks like. The worry about not getting the balance right and making unnecessary sacrifices now – or not having enough money...
How to end the financial year on a high note
As the financial year draws to a close, it's the perfect time to review your financial affairs and set the stage for a successful new financial year. By taking care of essential tasks and implementing strategic planning, you can position yourself for a smooth...
Market movements and review video – June 2024
Stay up to date with what's happened in markets and the Australian economy over the past month. The run of stronger-than-expected domestic inflation figures continued in May. The higher-than-expected inflation figures saw Australian shares tumble after reaching a...
Retirement planning for small business owners
When you run your own business a good retirement plan can bring real peace of mind. Read more about your options - and why it's never too early to start. Planning your retirement When you’re busy running your own business retiring could be the last thing on your...
The 2024-25 Budget
Another surplus, but bigger medium term deficits with more big spending, including on a “Future Made in Australia” Key points - The budget this year is expected to show a surplus of $9.3bn thanks to a continuing revenue windfall, but slip back into bigger deficits...
Tax changes – what it will mean to me
Prime Minister Anthony Albanese has announced changes to address ongoing cost of living pressures with all 13.6 million Australian taxpayers receiving a tax cut from 1 July 2024, compared to the tax they paid in 2023-24.i Now is the time to assess what it means to...
What is a reverse mortgage?
A way for retirees to unlock the equity in their homes. The reverse mortgage or equity release loan is a relatively new mortgage product that has been created for retirees who are asset-rich but cash-poor. Reverse mortgage or equity release loan – what is it? If...
Reverse mortgage and home equity release
If you're age 60 or over, own your home and need to access money, releasing equity from your home may be an option. There is risk involved and a long-term financial impact. Get independent financial or legal advice before you go ahead. How home equity release works...
Returning to work after retirement
Employers are desperate for workers and cost of living pressures are making it tough to live on a pension. That’s a perfect mix of conditions to send some retirees back to work. But it’s smart to get good advice before you take the leap. With unemployment rates at...
Marketing Movements & Economic Review –May 2024
Stay up to date with what's happened in markets and the Australian economy over the past month. As eyes turn to the 2024-25 Federal Budget, stronger-than-expected domestic inflation was recorded for April. The markets have been subdued due to geopolitical...
Managing your financial health
Understanding financial health Financial health is an important part of our lives. When we take care of our financial health we can better manage financial stress and achieve our financial goals. Financial health is made up of three components: the ability to...
Seven lasting impacts from the COVID pandemic
Key points - Seven key lasting impacts from the Coronavirus pandemic are: “bigger” government; tighter labour markets; reduced globalisation and increased geopolitical tensions; higher inflation; worse housing affordability; working from home; and a faster embrace...
April Newsletter
April 2024 Life goes on :- Market continue to surprise- Expectations of interest rate cuts later this year in Australia & the United States and overseas- Household wealth up by 2.8% for 5th straight quarter, largely due to increasing houseprices & share...