Financial Planning
The power of regular investing
One of the world’s most admired investors, Warren Buffett, is famous for saying “Don’t save what is left after spending; spend what is left after saving.” While this approach may not always be possible, investing even just a small amount regularly can make a big difference over the long term. If you are accumulating wealth……
Read MoreSocial media could influence us to spend impulsively.
Can social media use be linked to spending? Research shows it can. For example, one study found that social networks such as Facebook and Instagram can motivate impulsive buying behaviours.[1] But how does social media affect our spending? 1. Advertising Sites like Facebook and Instagram have evolved from social networking platforms to powerful advertising tools. We…
Read MorePutting your goals first
A goals-based investment approach isn’t focused on ‘beating the market’. It’s about tailoring your investments to meet your personal goals. Performance comparisons are unavoidable in the investment world. Every day you see investment managers measuring their success by how much they’ve outperformed the market, or their peers, over a given time period. However most people…
Read MoreStarting Again Financially
For many women (or men), starting again after being left widowed or divorced can be difficult and overwhelming. Consider how good financial advice can make a real difference. Finding yourself alone after many years of living in a partnership can be difficult. Not only are you adjusting to emotional strains, but you may need to…
Read MoreSuccessful Investor Secrets
The investment world can change dramatically from one month to the next. But these secrets of successful investors never go out of style. Successful investing can be one of your biggest allies in the quest for long-term financial security. Unfortunately, unsuccessful investing can leave you wishing you’d kept your money in the bank. So what…
Read MoreWhat the election outcome means for you?
The federal election is done and dusted, and the Coalition Government has been given another three years in power. How will this outcome affect Australians’ finances? What will change – and what won’t – when it comes to policies affecting people’s money? Can we expect any surprises? The Coalition Government staying in power will largely…
Read MorePrune, adapt and budget: Managing the rising cost of living
If you’re organised with your finances, the high cost of living doesn’t have to mean diminished savings. The increasing cost of goods and services – from food and housing to transport and utilities – is a reality most Australians have to face every day. Data from the Australian Bureau of Statistics (ABS) shows that living…
Read MoreTax tips and tax return checklist
To help you complete your tax return, this checklist outlines income and expenses you need to disclose to the Australian Taxation Office (ATO) when lodging your return. We’ve also provided an overview of the types of tax off sets and deductions you may be entitled to claim plus other handy tax tips and fact sheets.…
Read MoreFederal Budget
How will the Federal Budget affect you? This year’s Federal Budget is an ‘election budget’ with future tax cuts for all Australians, especially low and middle income earners. Overall, there were minimal changes to super proposed in the Budget, with minor changes to super contributions for older Australians. We’ve summarised some of the key points…
Read MoreCashflow: Keeping top tips top of mind
We all like a good cost saving tip, even if it is something we already know, it never hurts to revisit some top tips and take a look at our current situation to see if there are savings to be made. Any little savings we make throughout the year can be diverted to a bigger…
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