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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Can I afford to have fun in retirement?

Published: September 11, 2017

If you’re in or approaching retirement, you may be prioritising things such as living costs, utility bills, health care and even helping the kids out with their future financial goals. With many Australians looking at a retirement of 30 years or more, another thing to give some thought to is keeping some money aside for your own […]

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Going back to work after having a baby

Published: September 8, 2017

Combining work commitments with family responsibilities can be something of a balancing act. We look at some of the expenses you might encounter as well as some of the financial benefits. The cost of childcare For most parents, the first thing that comes to mind when contemplating returning to work after having a child is […]

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5 ways to make your gap year attractive to employers

Published: August 28, 2017

Whether your gap year is made up of work, study, travel, volunteering, or all of the above, more than four in five people who’ve taken a gap year believe they’re more employable because of it.1 In fact, recruiters have also recognised that ‘constructive’ gap years can help people stand out from the crowd when it comes […]

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Your 5-point action plan when faced with redundancy

Published: August 16, 2017

Over a 12-month period, approximately two million Australians left their job and of those nearly one in five were made redundant1. Given the stats, it’s easy to conclude that many people will be faced with redundancy at some point, which is why we’ve pulled together the financial and non-financial considerations to tackle early on. After […]

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Should you downsize?

Published: August 15, 2017

By the time you are considering retirement, it is likely that you will have substantial equity in your home. You may even own your house outright. Selling the family home is one way to free up cash for retirement. The money you receive can be invested in shares, term deposits, managed funds or superannuation. The […]

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Is your SMSF retirement-ready?

Published: August 15, 2017

A landmark stage in the life of a self-managed super fund is when at least one of its members moves from the accumulation phase to retirement phase. SMSFs often have members in the accumulation and pension phases. And typical two-person funds have both members retiring within a short time of each other – if not […]

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Is the outside of your property turning buyers off?

Published: August 7, 2017

Are you in the process of selling your home or thinking about it in the not too distant future?   Perhaps you need a change of scenery, more space for a growing family, less space if the kids are grown up and living out of home, or maybe there are financial or health considerations at […]

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Do I have to downsize my home when I retire?

Published: July 31, 2017

So maybe you’re nearing retirement and thinking about selling the family home to free up some cash for the future. Or perhaps you’ve already retired and are considering downsizing to buy a more manageable property. Of course, there may be benefits of moving to a smaller place. You might be able to reduce or pay […]

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Making the most of flying solo in retirement

Published: July 28, 2017

Getting out and about is important in retirement, especially when you lose the social aspect of working. But what if there’s just you, and it means going to the theatre alone, dining at a table for one or travelling solo? Society tells us these types of activities can only be enjoyed with a companion. But […]

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