Reverse mortgages – A solution to the asset rich, cash poor trap

Published: February 26, 2018

f you're a home owner who falls into the "asset rich, cash poor" category, a reverse mortgage could hold appeal in retirement. Over the next 40 years an estimated seven million Australians are expected to start living off their super savings, but many simply won’t have enough to enjoy a comfortable lifestyle. The benefit of a reverse […]

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What you need to know about buy now, pay later services

Published: February 23, 2018

Take your product home, pay for it within the specified timeframe, get charged 0% interest. What could go wrong? Branded the modern-day layby, ‘buy now, pay later’ services essentially offer the same thing, except you get the product up front—the outfit, the watch, even certain domestic flights within Australia. If you haven’t heard of buy […]

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What are the benefits of a split home loan?

Published: February 19, 2018

If you can't decide between a fixed or variable rate, a split rate home loan could provide the best of both worlds. If you’re about to take out a home loan and are looking for some protection against interest rate rises, a fixed rate home loan may sound like the loan for you. On the other hand, […]

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Downsizing should be a choice, not a wealth strategy

Published: February 19, 2018

Downsizing to a coastal town or regional hub can hold lifestyle appeal, but don't bank on it as a strategy to fund your retirement. For many empty nesters, who may not have had the benefit of employer-paid super throughout their working life, the value of the family home can be seen as the jewel in […]

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Back to basics: avoiding the day to day temptation to time the markets

Published: February 9, 2018

The best of times can also be the most worrying of times for investors. As we head off on the journey that is destined to become 2018, investment markets have been both kind and – until this week at least – relatively benign. Suddenly headlines are screaming at us about the billions lost off market […]

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Shifting the dial on super

Published: February 5, 2018

It is about now when those well-intentioned New Year resolutions start to come under pressure.   The summer holidays are behind us, schools are back and the rhythm of life is returning to a familiar routine. The bigger, bolder ambitions for the New Year are often the first to fall by the wayside simply because […]

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Love and money? It’s not about control

Published: February 5, 2018

With Valentine's Day around the corner, it's a good time to explore shared ideas, and how you manage money as a twosome. Our approach to managing household finances can make a big difference to the health of a relationship. Thankfully, the old line about “I earn the money. She spends it” no longer has relevance […]

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What is the retirement age in Australia?

Published: January 31, 2018

With no definitive retirement age in Australia, the date you exit the workforce will probably come down to personal circumstances and whether you can afford it. The age you retire in Australia isn’t set in stone. You can really retire whenever you want to, but health, financial commitments and your ability to fund the lifestyle […]

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7 healthy habits that could improve your bank balance this year

Published: January 31, 2018

  See how you could benefit your body, while upping the change in your back pocket at the same time. For many of us, the new year often begins with good intentions and a handful of new year resolutions, which may or may not begin right on 1 January. You might be working toward the day […]

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Bitcoin – is it really for you?

Published: January 31, 2018

Some people may have made big money, but plenty of latecomers would have experienced dreadful losses. If I could sum up the contents of my junk emails over the last 12 months in a single word it would be: Bitcoin. I can’t tell you how many unsolicited invitations I’ve received to start trading bitcoin. This […]

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