Debt is an almost unavoidable part of modern-day life. This isn’t necessarily a bad thing as long as your debts are kept at an appropriate level. In fact, when managed properly, debt can be used to your advantage especially if you have deductible debt. A...
Mention the terms ‘estate planning’, ‘will’ or ‘inheritance’ and thoughts of lengthy documents and complex legal terms often come to mind. But it’s not as complex as you might think. When you do begin planning your will, your financial planner should ask two key questions: ...
When you set the new month or new year resolutions to get fit and stay healthy, do you consider reviewing the fitness of your finance? Why not? After all getting fit and staying healthy can sometimes be a costly experiment. If you don’t have a...
One could be forgiven for thinking that most news reporting on the currency market ups and downs are predictable. We are bombarded in the financial media with so many convincing arguments about where the Australian dollar is headed in the year ahead. These forecasts we read...
Life insurance may seem like a wasted expense within your financial plan, however, it can provide financial security for any of your life challenges. If you are still unsure why you need life insurance, here are six good reasons why life insurance is a necessity: ...
With so many people concerned about their investments and wondering what they should be doing, we've put together some responses to your most frequently asked questions. What should I be doing with my investments? If your risk profile is correct then at this point a rebalance may...
Australians are ready to spend up big on food, drink, gifts and charity this Christmas season. 1. Australians are set to spend over $7.6 billion on gifts It’s the season for shopping, and Australians are ready to spend up big on food, drink, gifts and charity this festive season with...
We all look forward to creating a financially secure future. But how do you build security for tomorrow without sacrificing your lifestyle today – especially if you have a family to raise or a mortgage to manage? There are many pathways to a prosperous future for...
Investing beyond short-termism Behavioural finance has uncovered a wealth of explanations for why individuals make poor investment decisions. One such theory is Framing: If the same facts were presented with a different approach the decision reached by the investor would likely be different. We were introduced to...
Within your financial strategy, you may consider borrowing money so you can invest. Borrowing to invest, or gearing as it is otherwise known can be an effective way of growing your wealth. However, it’s not for everyone. If you are considering whether or not a...