The Big Picture – Why Financial Goals Matter
Have you ever walked into your financial adviser's office and found yourself saying, "I just want to be better off financially"? It's a common feeling - but it's also a trap. Over the coming weeks, we will provide a practical roadmap to help you clarify your financial goals, communicate effectively with financial advisers, and create a plan that's both ambitious and flexible. With realistic examples and actionable steps, you'll move from vague aspirations to clear financial direction.
Maximise Retirement Savings Without Sacrificing Other Goals
Planning for retirement doesn’t have to mean putting your other financial ambitions on hold. With the right approach, you can grow your retirement nest egg while still achieving goals like homeownership, travel, or paying off debt. Here’s how you can strike that balance.
How Trump’s Tariffs Affect Australian Investors and What to Do Next
The recent announcement by President Donald Trump to impose tariffs on various countries has sent shockwaves through global markets, including our own. As an Australian investor, it's natural to feel concerned about how these changes might affect your investments. Here's a straightforward guide to help you manage this challenging period.
How the 2025 Federal Budget Could Affect You
The 2025 Australian Federal Budget, announced by Treasurer Jim Chalmers on 25 March, outlines the government’s plans for the next financial year. While budget documents can be overwhelming, here’s a simplified look at the key changes that might impact your finances.
Planning Your Dream Retirement
Retirement is a significant chapter in life, offering the chance to enjoy the fruits of your hard work. But what does a comfortable retirement look like, and how can you prepare for it? For many people, it’s about finding the right balance between financial security, personal fulfilment, and peace of mind. Here’s how you can start shaping your ideal retirement.
Balancing Property and Dividend Investing
As Australia steps into 2025, there's a careful sense of hope about the economy. Last year was tough, with slow growth and high prices, but things are looking up. Economic growth is forecast to improve, supported by easing interest rates, stabilising inflation, and rising household incomes. However, challenges such as cost-of-living pressures and labour market uncertainties remain in play. For investors, this presents unique opportunities in the property and dividend markets.
Making Your Money Work Harder After the Rate Cut
The Reserve Bank of Australia (RBA) has made a significant move by cutting interest rates for the first time in over four years, reducing the cash rate from 4.35% to 4.10% in February 2025. This decision offers welcome relief to mortgage holders, and with the possibility of further rate cuts later this year, many are now considering how to make the most of this change. Here’s a straightforward guide to help you decide your next steps.
Superannuation Member and Death Benefits
Superannuation serves as a critical savings vehicle for Australians, designed to provide financial security in retirement. However, the nuances between member benefits and death benefits can be complex. Let's clarify these differences and explore their implications.
Is It Really ‘Set and Forget’? A Guide to ETFs
You've heard the buzz about passive investing, especially through ETFs, and you're keen to explore how it could work for you. It's often pitched as an easier route to growing your wealth, but how exactly do you get going, and what should you watch out for? Let's look a little deeper.