Money & Life
Recent figures show personal debt levels in Australia are among the highest in the world. So does this mean we’re heading for a debt disaster? Or are we doing the right kind of borrowing to get ahead with finances? Find out what kind of debts can be a problem and how to keep borrowing within safe limits.
Money & Life
Everyone has a different life journey they’re on. But getting on top of key financial goals as you follow your own path could see you enjoying a more comfortable lifestyle and being ready for the next chapter to begin. Read our guide to getting all your money matters sorted out, one decade at a time.
Money and Life
“It’s all very well having retirement savings as a financial goal, but just how much should you plan to have in your super balance now, and when you retire? Find out more about coming up with a super balance target, for your age group, and for the retirement lifestyle you have in mind”
The key points are as follow:
Above or below average?
How much is enough?
Should I save more?
Shane Oliver, Head of Investment Strategy and Chief Economist.
The following note takes a look at the current worry list for global investors.
The key points are as follows:
It’s still too early to be sure that the pullback in shares seen last month is over but we remain of the view that it was not the start of a deep bear market and that the trend in shares remains up.
Worries around US interest rates, trade wars, European politics etc are unlikely to be terminal.
The US midterm election turned out pretty much as polls indicated. Since 1946 US shares have rallied in the 12 months after all midterm elections.
Money & Life.
By the time you retire your super may be one of your biggest assets. So when it comes to a divorce, it’s a very important part of a financial settlement. Find out from legal and financial experts what you need to know, and what to keep in mind when it comes to super and separating your family finances.
The key point are as follow:
Just how important is my super?
Can my ex claim some of my super (or vice versa)?
Should I go to court to get my fair share?
Things to bear in mind with super and separation
Defined benefit schemes and SMSFs
Money & Life
The following note looks at why an estate plan is so important and when you should make a start on yours.
The key points are as follow:
Am I too young to need a will?
When should I be making a will?
Don’t forget to think about :
Executors, attorneys and trustees
Beneficiaries
Tax
Super
Advances to children
Money & Life
The three biggest drains on our money are paying for housing, food and transport. And there’s no getting away from the fact that it is unlikely we can live without any of the “big three”. Here we look at some ways of how to save on these items.
The main points are as follow :
Saving on rent in the Big Smoke
Buying a home
Make money from your home
Save money on decorating and furnishing
Food for your soul
Your method of transportation
Money & Life. Charmaine Bingwa & Kylie Travers.
The 7 rules are as follow :
Know what your values are
Don’t be afraid of hard work
Have a budget and stick to it
Always plan ahead
Be ready to act
Don’t rely on a salary
Make your wellbeing a priority
Money & Life
Does everyone need life insurance? Is the policy you’re paying for through your super fund enough? Deciding what sort of personal insurance is right for you and how much cover you need takes time and asking the right questions about your individual situation. Find out more about what you need to think about to get the right insurance to protect you and your family.
Money & Life.
Expecting a refund from your 2017/18 tax return? 77 out of 100 Aussies are likely to get one and many could already have plans to spend it. If you’re one of them, find out how to treat yourself right with your windfall and be better off for good.
The main goals are as follow :
Goal 1. Escape your debts
Goal 2. Be ready for the unexpected
Goal 3. Future proof your finances
Goal 4. Realise your wealth potential
Money & Life
On 7 August 2018 the Australian population has edged past the 25 million mark. What could this mean for the future financial wellbeing of everyday Australians?
Money & Life
The following ebook looks at ideas and activities to help kids and teens grasp the value of money in a digital world.
Read more : eBook
Australian Securities & Investments Commission (ASIC).
The following note looks at Super that is even more important for women.
The key points are as follow :
Why super is good for you
Get to know your super
Options to grow your super nest egg
Track down lost super
Australian Securities & Investments Commission (ASIC).
This calculator helps you work out:
Money & Life
Chances are your super savings could make a big difference to how you’ll be living in retirement. So it’s important to understand exactly what you’re looking at when it comes to comparing different funds and investment options.
Money & Life.
It’s easy to have big ideas about your financial future, but harder to achieve them. As most dieters know, you can follow the best dieting program, but struggle to stick to it.
The key points are as follow :
Money & Life.
Maybe you’ve heard about salary sacrifice as a way to increase your retirement savings. But did you know it can be a very tax-effective way to make voluntary super contributions? Find out how you could boost your retirement savings and pay less tax all in one go.
Shane Oliver, Head of Investment Strategy and Chief Economist.
The following note looks at the risks for investors from President Trump’s approach and policies.
The key points are as follows:
Jayson Forrest, managing editor of Money & Life Magazine.
The attached note looks at seven planners's answer to the following question:
What have you seen and adapted from other sectors or businesses that is helping you improve the health and wellbeing of your staff and/or clients?
Michelle Gibbings, founder of the consulting firm, Change Meridian.
The attached note looks at seven easy tips that will help you improve your mental and physical wellbeing.
The key points are as follow: