You can’t stop the clock, so the saying goes, but humanity has spent a long time trying to slow down or even reverse the effects of aging. Even today it can be hard to distinguish those measures that work from those that may not work and avoid those that may be downright dangerous! Fortunately, science- … Read more
Managing risk is an essential part of investment strategy to reduce the potential for losses. Risk is not just associated with investing though – life can throw a curve ball or two and insurance is one way to manage risk in a broader context. It’s a matter of weighing up your risks and thinking about … Read more
The much debated tax on superannuation balances over $3 million is inching closer and those who may be affected should ensure they have considered the implications. Although it is not yet law, the Division 296 tax should be taken into account when it comes to investment strategy and planning, particular in relation to any end-of-financial-year … Read more
We all approach decision making in our own way, making a multitude of decisions every day: ‘Should I hit snooze again on the alarm?,’ ‘Do I take the train to work, or do I drive,’ ‘What should we have for dinner?’ In fact, researchers estimate that the average adult makes 35,000 decisions every day.i While … Read more
One of the things many of us have been missing over the past few years is holidays, but now that the world is opening up again for travel and destinations that have been pretty quiet are now eagerly welcoming back tourists, taking a break has never been more appealing. Holidays are not just a lovely … Read more
With the cost of living on the rise, it’s more important than ever to have a financial safety net that protects you and your family in case the unexpected happens. Most Australian employees have some form of life insurance, often through their superannuation fund, but many of us tend to ‘set and forget’. To make … Read more
Stay up to date with what’s happened in the Australian economy and markets over the past month. In August, the focus was on US Federal Reserve chair Jerome Powell’s speech, during which he reinforced the focus on bringing US inflation down, even at the risk of recession. In Australia, economic conditions are less gloomy, with … Read more
Working out how much you need to save for retirement is a question that keeps many pre-retirees awake at night. Recent market volatility and fluctuating superannuation balances have only added to the uncertainty. So it’s timely that new research shows you may need less than you fear. For most people, it will certainly be less … Read more
Life just seems to get ever busier as the years roll by and our most precious commodity is often our time. We could all do with a few more hours in the day and technology continues to play a vital role in bringing efficiencies into our daily lives. In fact, research indicates that technology saves … Read more
First, we had to brush up our understanding of inflation and what it means for our hip pocket and our investments. Now the term stagflation is being thrown into the economic mix. For those with long memories, stagflation is a reminder of the late 1970s and early 1980s when the world economy fell into what … Read more
Stay up to date with what’s happened in Australian markets over the past month. Rising inflation and interest rates remained the focus of attention in July. Inflation jumped to 6.1% in the year to June and the Reserve Bank lifted the cash rate by 50 basis points to 1.35% in July, with similar increases tipped … Read more
As we get older, most of us want to remain independent and in our own home for as long as possible, but this can be challenging without some help with household tasks and personal care. Recognising this, the government runs a Home Care Packages program where approved aged care service providers work with individuals to … Read more
