Downsizing is not always the answer

Published: November 13, 2017

If you're pinning your financial hopes on the ability to downsize your home in retirement, you may need to think twice. Many Australians don’t have enough in super to fund a quality retirement, but if you’re pinning your hopes on the value of the family home, it could pay to think again. Downsizing to a smaller place may […]

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What do Aussies do with their super?

Published: November 2, 2017

Find out where and what retirees are investing in and spending their superannuation money on. A significant number of Aussies are now entering retirement with substantial superannuation balances, after compulsory super contributions for most employees were introduced a quarter of a century ago1. But what are retirees doing with their super money? Are they putting […]

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Technology: An adversary in the fight for 2% inflation

Published: October 30, 2017

It's been a generation since inflation last ravaged Australia, with costs for ordinary consumer goods rising on a seemingly daily basis. Indeed, in the wake of the global financial crisis, inflation in many countries has been lower than policymakers would like. Low inflation, it turns out, can be a problem too. Over time, declining or […]

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Estate planning: what’s involved?

Published: October 16, 2017

Make sure you and your money are well looked after. Estate planning is not just about making a will. It’s about deciding how you want to be looked after (both medically and financially), if you can’t make your own decisions later in life. It’s also about documenting how you want your assets to be distributed […]

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Where do different generations invest their money?

Published: October 16, 2017

An Australian study could reveal some surprises when it comes to the investment preferences of both young and old. If you thought cash savings or investment property were the most popular retail investment choices among Aussies, a recent study by the Australian Securities Exchange (ASX) revealed that it was in fact shares, along with other on-exchange investments*1. The […]

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How to make better investment decisions

Published: October 10, 2017

We tend to take shortcuts when making numerous decisions in our lives, such as choosing a restaurant or when buying a new car. But don't take shortcuts with investment decisions. As a recent Vanguard research paper* observes, a common decision-making shortcut is to use a rating system based on the assumption that past performance will […]

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Why you should have an emergency fund

Published: October 9, 2017

When you're faced with unexpected expenses, having emergency cash set aside can make all the difference. Could a relatively minor event—such as an unexpected filling, visit to the vet, broken phone, faulty home appliance or busted car tyre—leave you financially stranded? If you answered yes, you’re not alone. One in five Australians don’t have enough […]

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Money mistakes people in their 20s make

Published: October 9, 2017

See how you can work around common money traps so you've got cash today, tomorrow and in the future. In your 20s, you might be saving for an overseas trip, eyeing a new car, looking for your own pad, or simply trying to keep your wardrobe up-to-date, and have cash left over for Saturday night. […]

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More Aussies retiring later in life

Published: September 20, 2017

Australians have one of the highest life expectancies in the world and forecasts show that’s only going to increase over the next four decades1. To put it into perspective, around 40 years ago, the number of Australians over age 85 was 80,000 and in about another 40 years that number is projected to reach around […]

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Salary sacrificing super

Published: September 20, 2017

If you make voluntary super contributions through a salary sacrifice agreement you should be aware of how your contributions will affect your super balance. You can agree with your employer for your voluntary contribution to be in addition to your employer’s compulsory super contribution. If you are deciding whether you should salary sacrifice some of […]

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