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Money has never been cheaper. So use this opportunity to reign in your debt monster. The Reserve Bank this week cut the official interest rate for the second consecutive month to a historic low of 1 per cent. While the banks haven’t passed on the full rate cuts they have slashed borrowing (and savings) rates.… Read more »
Robots doing your investing. No it’s not the latest Will Smith movie, this is real life. Your superannuation fund manager already probably uses computers to chart share price movements or compute formulas to produce “buy” or “sell” signals on their current investment portfolio. So it was only a matter of time that computer investing would… Read more »
The start of a new financial year should be a time to step back and assess how your investments are tracking and whether they are stacking up to your expectations. It has been a wild ride with markets spooked by everything from the rise of Donald Trump to Brexit to our own marathon inconclusive election… Read more »
There is so much “noise” around the Coalition’s proposed superannuation changes that their impact is being distorted by the various vested interests pushing their own barrow. So lets take the political spin out of it and look at the winners, the losers and what it means for your retirement planning. First up, remember these changes… Read more »
Low inflation is here to stay and it will wreck your investment expectations. Get used to it because we are all going to be forced to adjust. It means reassessing everything. From how long it will take to save for a home deposit to what you’ll need to contribute for retirement. Remember when we used… Read more »
Savers, retirees and other income-focussed investors are facing slim pickings at the moment. With interest rates sitting at record lows, savings accounts and term deposits are offering record low returns… and many experts are tipping rates could fall even further. For those after income from their investments to fund their retirement or lifestyle, the challengno… Read more »
When it comes to money… everyone has an opinion. Whether you’re at a backyard barbeque or the water cooler at work, it feels like there’s always someone ready to pounce and give you their take on your money. We’re not talking about professionals here… more like friends, family, colleagues or that guy with the hot… Read more »
While we have taken many positive steps towards gender equality in Australia, it’s a sad truth that on average woman retire with $90,000 less in super and will live five years longer than men. Women are caught in a double whammy of low super financing a longer life. How on earth does this happen? First,… Read more »
The Federal Budget is now behind us and the long boring election campaign is just getting started. For all the initiatives outlined in the Budget, they’re worth nothing if the Turnbull isn’t re-elected… and if they’re not there is no guarantee they’ll push ahead with what’s been announced. There’s an old saying in politics, “do… Read more »
While we may glaze over at the huge numbers involved, tomorrow’s Federal Budget is basically a bigger, more complex version of our own family budget. A balanced federal budget is the cornerstone of a thriving country, just a a balanced household budget is the cornerstone of a thriving family growing their wealth. And we use… Read more »
