Financial Planning articles
Where we’re buying investment property in Sydney
End-of-month-pay struggle or the importance of budgeting
According to the latest ING Direct Household Financial Wellbeing Index, two in three Australian households are short of cash between pays and one in three need to use credit cards to compensate this gap.
Further, almost half of the households feel that an extra $300 extra would be needed to be...
2014 Budget summary
In every decade there is one budget that ends up being a game-changer in Australia. The Budgets of 1988 (return to surplus), 1996 (spending reductions), 2000 (GST) were strategies that permanently altered the economic dynamics of the Australian economy.
This years Budget is likely to join this list, as it facilitates...
Getting ready to retire starts now!
When you approach retirement, you begin to think about what you will do with all your free time. Go on holidays, tick boxes on your bucket list, learn to play an instrument because you never found the time before, or maybe keep working as you need to maintain...
Why should you get a financial adviser?
Most of people will think about getting a financial adviser if they have money to invest or worried about retirement. Further, many will be scared by the fees or by handling their future money to one person.
However, this is only the top of the iceberg. A...
Renovations on property in super / dual income property
The laws changed in 2011 and you are now able to renovate and improve property inside of a self-managed super fund (SMSF) where a loan is used to assist in purchasing the property.
Previously, you were unable to easily improve or renovate property in SMSF with a loan.
Although SMSF trustees are...
Things to thing about when thinking about investing in property
The Sydney property market rose by 14.5% in 2013 and the average growth for all capital cities in Australia was 10%.
Over the past 2 years we have seen an increase in interest in direct property investment from our clients and it has been enjoyable working through the challenges of purchasing...
Why get life insurances? Spend a few minutes and find out why it’s so important
Below are a few clips on the importance of holding life insurances. The Australian Government requires that all employees must contribute 9.25% of their incomes into a superannuation account which is in place to help provide financial security and independence in retirement.
But what about protecting your financial security between now...
Personal Finance Jargon – What does it all mean?
There are many constantly changing and confusing terms in the world of finance. Below we attempt to explain a few of them in simple to understand language.
Hybrid security
An investment with debt and equity characteristics issued by companies as a form of long-term finance. Usually issued at $100 when floated on...
A gift for your children, an investment in your future
Just when you thought you had an empty nest and you start to think about all the wonderful things you would like to do in retirement. Your job is complete; you raised a family and saw your children through to adulthood and financially independence. But in an instant life changes. ...