The last 12 to 18 months has seen an enormous shift in the sustainability approach and attitudes of investors, asset managers and advisers.
Category: Planning
Latest Retirement Research
Two recent retirement studies provide some useful data to contemplate when thinking about your retirement. How do spending patterns change over the course of retirement? One of the biggest fears for a retiree is running out of money. And that fear impacts spending. New research from Milliman graphs the income/expense patterns of low, middle and … Continue reading Latest Retirement Research
When is a Balanced Fund not a Balanced Fund?
There has been discussion recently on the difficulty of comparing apples with apples when it comes to Balanced super funds. Chris Brycki - Founder and CEO of Stockspot has a 2 parter titled "How super funds play the ratings game" And Marshall Brentnall - Financial Adviser at Evalesco posted a terrific thread on Twitter … Continue reading When is a Balanced Fund not a Balanced Fund?
Budget 2018 – Election Ahead
ScoMo has just handed down his 3rd Budget. You know there is an election ahead when you hear the news that "unexpected revenue" means we get tax cuts. It's a delicate balancing act trying to be fiscally responsible and sucking up for votes at the same time. I couldn't wait to find out what was … Continue reading Budget 2018 – Election Ahead
Intergenerational Wealth – You Made it, Don’t Let Them Lose It
The transfer of wealth in Australia looms as a significant opportunity with around $3.5 trillion expected to be passed down over the next 20 years[1]. While this equates to an average inheritance of about $320,000, around 25 per cent of inheriting Aussies will receive more than $600,000 each[2]. Receiving a sudden large sum of money, … Continue reading Intergenerational Wealth – You Made it, Don’t Let Them Lose It
Forget Budgeting, Make a Game Out of Your Money
Would you rather listen to The Wiggles - "Big Red Car" on repeat for 4 hours, than sit down and put a family budget together? I've never been a fan of doing a budget, especially in an OLD school excel spreadsheet. What I do like though, is keeping track of my personal spending (you can … Continue reading Forget Budgeting, Make a Game Out of Your Money
Budget 2017 – Better Days Ahead
The treasurer Scott Morrison is all about fairness, security and opportunity in Budget 2017. Some highlights: Increased funding for education, $18.6B over 10 years - on a needs-based analysis (see how your school is affected here) Housing affordability Working with states to increase supply Increasing CGT discount to 60% for investors in affordable housing $375M … Continue reading Budget 2017 – Better Days Ahead
Is Your School Affected by Funding Changes in Budget 2017?
With Budget 2017, the PM wants to ensure Australians "realise their dreams". The biggest hit to the hip pocket for some could be in the form of higher school fees over coming years. The government today launched an estimator tool where you can search by school and see the increase or decrease in funding for … Continue reading Is Your School Affected by Funding Changes in Budget 2017?
Warning for Borrowers: Your Lender is NOT Your Adviser
Buying a property? How much you can borrow is not the same as how much you should borrow.
Thinking About Retirement
There is much more to think about than money when it comes to retirement.