As a financial adviser, I’m often asked about superannuation, especially as people get closer to retirement, so I thought I’d share a quick rundown of super and the rules that apply. At the time of writing, most eligible employees receive compulsory super equal to 12% of their earnings from their employer. (12% is the minimum […]
What Rubik’s cubes, iPods and market leaders have in common
If you’re an investor, it can be helpful to remember that corporate leadership is rarely permanent. In fact, very few companies seem to stay in the global top 10 for more than a decade, and history shows how quickly the market’s favourites can change.[1] For those of us who were around in the early 1980s […]
Your checklist of what not to do this EOFY
For many people the end of financial year (EOFY) can have a frantic vibe about it – perhaps it’s the overwhelm of suddenly having to sift through receipts, super and tax deductions that they’d been meaning to tend to months ago. June 30 can be a great motivator to get organised, but it can also […]
The upside of higher rates
Higher interest rates often dominate headlines for the wrong reasons, but they also create opportunities that simply weren’t available a few years ago. Savers, in particular, are finally being rewarded. Cash accounts, term deposits, and conservative income products are offering returns that may genuinely support short‑term goals or form a stable anchor in a broader […]
The hidden price of moving up
Upgrading your home can feel like a natural next step for many Australians, but the real cost can stretch well beyond the price difference between the home you have and the one you want. With uncertainty around interest rates and construction costs remaining stubbornly elevated, the financial gap between your current home and your next […]