5 things to note about Brexit jitters

Published: June 20, 2016

Core European bond yields have been negative for some time, as the European Central Bank has been aggressively buying bonds as part of its quantitative easing policy. While most of the German yield curve has been negative, German 10-year bond yields turned negative for the first time last night, reflecting uncertainty over the implications of […]

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How can delayed gratification help you with your finances?

Published: June 15, 2016

Are you the type of person who always has to have the latest clothes, smart technology or gym gear? If you answered yes to this question, you could be a person who likes instant gratification, that is, you like to indulge in instant reward now, rather than exercising self-control1, in return for a potentially greater reward […]

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1 in 2 families at risk of unexpected bills

Published: June 6, 2016

It always makes sense to have a pool of rainy day savings because it’s a sure thing that at some stage the washing machine will break down or the car will need new tyres to pass rego. However new research shows around half the nation’s households would struggle with an unexpected bill. A recent study […]

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Home ownership – is it still a reality in Australia?

Published: May 31, 2016

For many Australians, deciding whether to rent or buy a home to live in is a choice, and over time their preferences around this will undoubtedly change or evolve. But for others it’s more a matter of affordability. Housing affordability in Australia According to AMP Capital’s chief economist Dr Shane Oliver, housing affordability has been […]

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It pays to contribute to your partner’s super

Published: May 18, 2016

If your spouse—husband, wife, de facto, same-sex partner—is a low income earner or not working at the moment, chances are they’re accumulating little or no super at all to fund their retirement. The good news is, if you help by contributing some of your own money to their super, you could be eligible to receive […]

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What is capital gains tax?

Published: May 11, 2016

Capital gains tax is what you pay when you profit on the sale of certain assets. These could be assets you own or that you’ve inherited. Capital gains tax applies to shares, land and property, unless it’s your primary residence. It may even apply to certain collectibles and personal items depending on what you paid […]

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Federal Budget 2016-17 roundup

Published: May 4, 2016

Federal Treasurer Scott Morrison put forward a number of proposed changes, mainly around contributions to superannuation and taxation, in the budget last night. Here’s a brief roundup of what the proposals could mean for you—whether you’re starting out in your career, taking care of a family, on the cusp of retirement or enjoying life after […]

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Don’t just focus on your home loan

Published: April 26, 2016

Australians are taking a smart approach to their mortgages, with Reserve Bank of Australia (RBA) figures showing home owners are, on average, 2.5 years ahead with their home loan. The RBA based its findings on the value of money sitting in home loan offset accounts and redraw facilities, which total about 17% of the nation’s […]

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Money tasks to set on autopilot

Published: April 19, 2016

As the new financial year draws closer, it’s a good idea to set yourself up to be better off.  By automating some day-to-day money tasks, you can focus on the big picture and get yourself on the road to financial success. 1. Reach a goal with savings You may have a goal, or several, that […]

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What is the seven year property cycle?

Published: April 8, 2016

Some property analysts claim the property cycle changes every 7 to 10 years[1]. We ask AMP Capital’s chief economist, Shane Oliver, to explore this view and explain what causes property cycles to change over time. Q: Shane, what is meant by the seven year property cycle? What are the different phases? A: The "seven year […]

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