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January 2021 Newsletter

January 2021 Newsletter

Happy New Year! As 2021 gets underway, we hope you and your families enjoy a safe, happy and prosperous year ahead. While we are not out of the woods yet, there is cause for optimism. December was a busy month on the economic calendar. Global equity markets surged on optimism […]

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Lessons from 2020 to secure a bright future

Lessons from 2020 to secure a bright future

It was a year most of us would like to forget. And yet, some of the toughest lessons of 2020 had a silver lining. We weathered bushfires, floods, a pandemic that’s not over yet and a recession that is. Through it all, we emerged a stronger community. Many of us […]

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Soaring to success in 2021

Soaring to success in 2021

The start of a new year is a great time to reassess where you are in life, your career or business – decide what you want to achieve and put some strategies in place to work towards achieving even your most ambitious goals. The start of this new year is […]

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Goal setting made easy with the H.A.R.D approach

Goal setting made easy with the H.A.R.D approach

Goal setting is one thing – achieving your goals is something else entirely. So what makes the difference between a goal that is achieved and one that falls by the wayside? Research has shown that people who achieve their goals are more likely to do so because they create a […]

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2020 Year in Review

2020 Year in Review

Just as we were recovering from the long drought and the worst bushfires on record, the global coronavirus pandemic took hold and changed everything. Suddenly, simple things we took for granted, like going to the office or celebrating special occasions, were put on hold. While life is still not back […]

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Review of 2020, outlook for 2021 – from Pandemic to Recovery

Review of 2020, outlook for 2021 – from Pandemic to Recovery

Key points 2020 was dominated by the Coronavirus pandemic but shares saw okay returns on the back of policy stimulus and vaccine optimism, resulting in constrained but positive returns for balanced growth super funds. For 2021, the combination of massive policy stimulus and the prospect of vaccines allowing a return […]

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Tax-effective ways to boost your super

Tax-effective ways to boost your super

After a year when the average superannuation balance fell slightly or, at best, moved sideways, the summer holidays could be a good opportunity to think about ways to rebuild your savings while being mindful of tax. With the Reserve Bank reducing interest rates to record lows and not anticipating a […]

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‘Tis the season for wise spending decisions

‘Tis the season for wise spending decisions

The traditional festive holiday season is likely to be a little different this year, but one thing is likely to remain the same – the temptation to spend and the post-Christmas budget hangover. Last year Australians spent about $1000 each for Christmas on presents, decorations, travel and charity donations. For […]

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Five tips for a better retirement

Five tips for a better retirement

Retirement is an exciting time. It’s the long-awaited reward for a lifetime of work and, if you’ve planned it correctly, it heralds a life stage synonymous with relaxation and enjoyment. However, to make sure your retirement is everything you’d hoped for, it’s crucial to make smart decisions to help you […]

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Taking control of your finances after a separation or divorce

Taking control of your finances after a separation or divorce

Going through a separation or divorce can be a stressful and emotionally-charged time, particularly when it comes to conversations around shared finances and the division of assets. Having a clear plan for how you approach these discussions can help provide direction and ensure you reach a fair solution that everyone […]

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Making your savings work harder

Making your savings work harder

With tax cuts and stimulus payments on the way, Treasurer Josh Frydenberg is urging us to open our wallets and spend to kick start the national economy. But if your personal balance sheet could do with a kick along, then saving and investing what you can, also makes sense. One […]

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Granny flats: tax tips and traps

Granny flats: tax tips and traps

The idea of adding a granny flat to your property sounds like a great idea. A property to rent out to generate some welcome extra income, or a home for adult children or mum and dad in their later years. But there are important tax and personal considerations to consider […]

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Big Four Banks and QSuper leaving the party?

Big Four Banks and QSuper leaving the party?

2020 has been a year like no other. A global pandemic, Australia’s first recession in nearly 30 years, record low interest rates, volatility in both shares and property markets, and even job security is coming into question. For retirees it can be a very daunting process.    The Big Four […]

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Life cover: More essential than ever

Life cover: More essential than ever

Living through COVID-19 has brought many challenges and shifting priorities as we deal with the financial impacts of the pandemic, and that includes the issue of life insurance.  On the one hand, the pandemic has highlighted the importance of life cover. On the other, those who may have lost a […]

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Managing investment risk in uncertain times

Managing investment risk in uncertain times

This year has exposed investors to the end of a bull market and the start of a global recession, all caused by a totally unexpected global pandemic. The outlook for the global economy and investment markets remains uncertain until an effective vaccine is available. While there is cause for optimism […]

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Federal Budget 2020-21 Analysis

Federal Budget 2020-21 Analysis

Building a bridge to recovery In what has been billed as one of the most important budgets since the Great Depression, and the first since the onset of the COVID-19 pandemic dragged Australia into its first recession in almost 30 years, Treasurer Josh Frydenberg said the next phase of the […]

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Opportunities amidst the COVID-19 disruption

Opportunities amidst the COVID-19 disruption

COVID-19 is resulting in significant disruption to well-established business paradigms, impacting businesses, sectors and stocks across the board. However, as Albert Einstein once said: “in the middle of difficulty lies opportunity”. That certainly rings true in 2020 as analysts predict significant changes in the types of businesses that will prosper […]

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2020 Guide to Retirement Planning

2020 Guide to Retirement Planning

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.

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Getting retirement plans back on track

Getting retirement plans back on track

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, […]

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How to spend and invest at the same time

How to spend and invest at the same time

https://centaurfinancial.com.au/investing/how-to-spend-and-invest-at-the-same-time/

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SMSFs on the defensive: Is it time to revisit your strategy?

SMSFs on the defensive: Is it time to revisit your strategy?

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 […]

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Building resilience to spring back stronger than ever

Building resilience to spring back stronger than ever

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 […]

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JobKeeper – Easing eligibility

JobKeeper – Easing eligibility

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 […]

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Paying taxes and maximising tax deductions

Paying taxes and maximising tax deductions

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 […]

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5 common financial mistakes to avoid during a crisis

5 common financial mistakes to avoid during a crisis

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 […]

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Balancing wealth and happiness

Balancing wealth and happiness

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 […]

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Super changes add flexibility

Super changes add flexibility

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 […]

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Extension of the JobSeeker program

Extension of the JobSeeker program

The Government is extending the Coronavirus Supplement to eligible recipients to 31 December 2020. The amount of the Supplement will be adjusted to reflect the gradually improved economic conditions and improving labour market. Both existing and new recipients eligible for the Coronavirus supplement will continue to be $550 per fortnight […]

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JobKeeper changes announced

JobKeeper changes announced

The JobKeeper Payment has been extended by a further six months to March 2021, targeting support to those organisations which continue to be significantly impacted by COVID-19. From 28 September 2020, eligibility for the JobKeeper Payment will be based on actual turnover in the relevant periods. The payment rate will […]

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JobTrainer skills package

JobTrainer skills package

The Australian Government will invest $2 billion to provide hundreds of thousands of Australians with access to new skills by retraining and upskilling them into sectors with job opportunities, as the economy recovers from COVID-19.  The JobTrainer package has two aspects to it. The first aspect of the package, which […]

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The information provided on and made available through this website does not constitute financial product advice. The information is of a general nature only and does not take into account your individual objectives, financial situation or needs. It should not be used, relied upon, or treated as a substitute for specific professional advice. We recommend that you obtain your own independent professional advice before making any decision in relation to your particular requirements or circumstances. Centaur Financial Services do not warrant the accuracy, completeness or currency of the information provided on and made available through this website. Past performance of any product discussed on this website is not indicative of future performance.

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