Retirement planning is certainly not an easy topic to discuss and understand. The goal of this guide is to help you develop a framework so that you can ask yourself the right questions and understand some of the numbers involved in making your retirement a great one.
Hugh scored the cover story on Vol. 15 FS Advice, The Australian Journal of Financial Planning. This was a great honour for Hugh and the team at Centaur Financial Services. “Centaur Financial Services principal adviser Hugh Robertson doesn’t need shortcuts. His business is built on a philosophy of sticking to the fundamentals and staying the…
Hugh recently chatted to Matt Johnson of The New Daily to discuss superannuation risks and considerations. Excerpt below — Centaur Financial Services principal adviser Hugh Robertson told The New Daily the scant attention Australians pay to their superannuation has allowed providers to hike their fees without much backlash. But making a judgement call solely based on how much…
After a year when even the best laid plans have been put on hold due to COVID-19, people who were planning to retire soon may be having second thoughts. You may be concerned about a drop in your super balance, insecure work, or an uncertain investment outlook. Whatever your circumstances, a financial tune-up may be…
https://centaurfinancial.com.au/investing/how-to-spend-and-invest-at-the-same-time/
Self-managed super funds (SMSFs) have had a challenging year, with COVID-19 linked market uncertainty affecting income and returns. But SMSF trustees haven’t been sitting on their hands. One of the main reasons people give for wanting to establish an SMSF is to have greater control of their investments and taking control of a difficult situation…
Hugh recently chatted to Matt Johnson of The New Daily to talk about BNPL products and bad money habits. Excerpt below — Centaur Financial Services principal adviser Hugh Robertson told The New Daily that BNPL products can create bad money habits that become difficult to shake. Mr Robertson said these services facilitate “instant gratification” and can discourage consumers from…
Our resilience has been tested of late and continues to be, with the ongoing situation of the coronavirus pandemic throwing challenges our way. Resilience has certainly become a now frequently used buzzword, but what does it actually mean? According to the Oxford dictionary, the word resilience means “the ability of people or things to recover…
More businesses and not-for-profits will be eligible for JobKeeper payment extension under a $15.6 billion change to the scheme announced on August 7. The Government initially outlined the JobKeeper extension guidelines on July 21 but says it needs to extend its criteria after the Victoria Government implemented stricter lockdowns across the state this week. Changes…
Hugh recently chatted with Matt Johnson of The New Daily to weigh in on first-home buyers taking out large mortgages during COVID-19. Excerpt below — Although hikes of that magnitude are unlikely in the near term, Centaur Financial Services director Hugh Robertson said households should use long-term averages to decide whether they can afford a…
Hugh recently chatted to Matt Johnson of The New Daily to talk about Westpac’s decision to scrap its first-half dividend payment. Excerpt below — Centaur Financial Services director Hugh Robertson told The New Daily Westpac’s announcement signalled the “chickens had come home to roost” for self-funded retirees without diversified portfolios. “Retirees were [tolerating] the volatility…
Tax time can feel stressful; however, paying close attention to allowable deductions may lower the tax you need to pay on your tax return. Here are some allowable deductions you may wish to consider when preparing your next return. While every person’s financial circumstances are unique, it can be helpful to be aware of some…
The economic impact of the COVID-19 pandemic is playing havoc with finances for many households. In an ideal world, the financial boost should be enough and assumes that everyone was financially prepared for tough times. But in times of crisis, it can all be a little overwhelming. Here are 5 common financial mistakes to avoid…
It can at times seem like life is a seesaw of logic and emotion. If you believe by emotion, then no amount of reason can talk you out of how you feel. It’s how some fall prey to a life of worry, frustration and disappointment. But if you stay focused on what matters most right…
Just when you thought you had a grip on the superannuation rules, they change again. This time though, the changes are mostly positive, especially for older super members keen to top up their savings. From 1 July 2020, changes came into effect with the potential to help retirees as well as members suffering financial hardship…
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