2017

Separating needs from wants

Even those of us who have been paragons of responsibility for 51 weeks of the year can be tempted to take a budgeting holiday when Christmas and the summer vacation roll around. Unlike...

Opportunities in the cooling property market

Things are looking up for first home buyers for the first time in years as house price growth begins to slow across the country. While prices have been on the slide for some areas in the...

December 2017 – Private Client Newsletter

In this issue: Opportunities in the cooling property market Separating needs from wants Music to your ears It’s December and the countdown to Christmas and the summer...

Music to your ears

Would Christmas be the same for you without the smooth croon of Crosby and Sinatra around the BBQ? Or carols along the most decorative boulevards of your neighbourhood? Or perhaps you are...

Embracing spontaneity

When was the last time you did something completely out of the blue? As in, really unexpected? We’re not talking a cheeky extra shot in your morning coffee, or wearing a ‘fun’ shirt...

Homing in on a happy retirement

Owning your own home has long been the Australian dream but after years of strong house price growth it’s becoming less of a reality for many. This has major implications for retirement...

Lessons from the GFC – 10 years on

It’s been a decade since the market crash known as the Global Financial Crisis rocked the investment world. At the time investors could only watch in disbelief as 50 per cent was wiped...

Expand your horizon with ETFs and LICs

One of the golden rules of investing is diversification, but that can be difficult to achieve when you are just starting out or have limited funds to tap into a world of opportunities....

Introducing the new smart(er?) home

Driving towards a mega mansion and watching the house light up as the gates open. Clapping hands to dim the lights and turn up the music. Blinds opening automatically to reveal a stunning...

Retirement villages: look beyond the brochure

They are marketed as being the optimum lifestyle choice for recent retirees, often in ideal locations with all the facilities for a stress-free lifestyle. But with complex fee structures...

The lost art of conversation

When was the last time you had a lengthy chat to a friend over the phone or, rarer still, a decent face-to-face catch up? Remember spending time with a loved one making the most of precious...

Life insurance: inside or outside of super?

If you have super, chances are you’ll have some default insurance included and the option to buy more at an attractive price. It’s a cost effective way to get a basic level of cover,...

How to be prepared for climbing interest rates

Interest rates have been low for so long it’s tempting to think low rates are the new normal. So when the Reserve Bank suggests that a cash rate of 3.5 per cent is the new ‘neutral’,...

What’s really holding you back from your goals?

Everyone has goals they want to reach, whether they relate to work, family, lifestyle, or sport. But it seems like only a few people achieve what they set out to do. For the rest of us,...

The risky business of cryptocurrency investment

You’ve probably heard by now of Bitcoin and other cryptocurrencies. In the space of eight years they’ve gone from a geeky novelty to big business and investors are beginning to take...

Living better, living long

There’s nothing quite like a tabloid story about a centenarian partying hard for their birthday to make you feel the creaks in every joint. It doesn’t matter whether they’re on a golf...

Home ownership in the spotlight

Housing affordability continues to be a major concern in Australia and not just for would-be first home buyers. It also affects pre-retirees forced to work longer to repay bigger mortgages...

Rental property deductions tightened

Most property investors breathed a sigh of relief when rumours about the demise of negative gearing in the Federal Budget came to nothing. There were, however, several changes introduced...

Global markets navigate a sea of uncertainty

It’s almost a decade since the global financial crisis created havoc in financial markets. While the global economy continues to show signs of recovery, political uncertainty in Europe...

Why family trusts are back in favour

Recent changes to the rules around voluntary superannuation contributions which impact the amount you can transfer into a super pension account, have meant that many older Australians are...

Time to review transition to retirement pensions

Amid the major reforms to superannuation that took effect on July 1, some significant changes to the tax treatment of your Transition to Retirement Pension (TRIP) may have flown under the...

New (Financial) Year, new start

The end of financial year is the most stressful time for people in many different lines of work. You’re either rushing to get work done, trying to spend budget just in time, or gearing up...

An insurance lifeline when you need it most

Trauma insurance is the middle child of the personal insurance family. It’s overshadowed by its better-known siblings but it’s a quiet achiever that will do the heavy lifting when the...

Escape the winter blues – without breaking the bank!

Have you been feeling a bit sluggish as the winter weather sets in? Are you craving richer meals, sleeping in a bit more, and generally feeling a bit flat?...

June 30: Get your (financial) house in order

Time is running out to get your financial house in order before June 30. This is especially the case for anyone who has funds available to make a large cash injection into their...

Winding up your SMSF: Keep the end in sight

They say all good things must come to an end, and it’s no different with self-managed super funds. Australians are discovering the benefits of running their own fund in record numbers,...

Federal budget analysis 2017-2018

Getting the right balance Treasurer Scott Morrison’s first budget of the Coalition’s second term in office marked a significant shift in tone from the tough stance of its three previous...

Furry friends vs finances

There’s nothing quite like the joy of spending hours on end playing with a puppy. Or the sensation of sheer freedom taking a horse out for a gallop. Or the feeling when your cat settles...

Keeping score of your credit rating

In many ways, applying for a loan has never been easier. Interest rates are comparatively low and competition among lenders for new business is intense. So it can come as a shock when a...

Tax and the super afterlife

Death and taxes are never pleasant topics to think about, but a little careful consideration now could save the people who will inherit your superannuation savings a big tax bill....

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