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?

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?