How well do we understand our money? Most of us make financial decisions almost every day. We decide whether to save or spend, how much of the mortgage to pay down, where to invest and, eventually, how to turn decades of savings into an income that can support us through retirement. But how well do … Read more
How to dispose of shares You can dispose of your shares in the following ways: selling them giving them away (gifting shares) transferring them to a spouse as the result of a breakdown in your marriage or relationship through share buy-backs through mergers, takeovers and demergers because the company goes into liquidation. It’s important you … Read more
Sell vs. rent: at a glance Selling your home before you buy may suit you if: You want a bigger deposit for your next purchase You prefer simpler finances with one mortgage You do not want landlord responsibilities Renting out your home may suit you if: You want to keep the property as an investment … Read more
A managed fund lets you hand investment decisions to a fund manager. How a managed fund works In a managed fund, money from many investors is pooled and invested to match the fund’s investment strategy. The strategies can range from lower-risk cash funds to higher-risk share and property funds. A managed fund can … Read more
In Australia, there are both ownership and rental opportunities to choose from when deciding on the best retirement living option for you. Key points: There are varying tenure types that can impact your rights over a property in a village Make sure to understand all the costs and fees that are associated with taking a … Read more
Learn how defined benefit super works and what it could mean for retirement. What is defined benefit super? Defined benefit super is a can work together to fund your retirement including account-based pensions and lifetime income streams. Before making changes to your defined benefit super Defined benefit accounts can offer benefits that other super accounts … Read more
For many people approaching retirement, the transition from full-time work to retirement is no longer a sudden stop. Instead, it’s often a gradual process that involves reducing work hours, maintaining cash flow and continuing to build retirement savings. One strategy that can support this approach is a Transition to Retirement Income Stream (TRIS or TTR).i … Read more
Retirement starts long before your last day at work There are certain moments in life that reshape not just your finances, but the way you live. Starting a family, moving overseas for a job, changing careers – retirement belongs in that same category in terms of its significance. Traditionally, retirement has been viewed as a … Read more
Floating rate bonds tend to receive less attention than shares or fixed rate bonds. Yet in Australia, floating rate bonds are far from niche. They play a starring role in Australia’s credit market as the favoured source of debt funding by the major banks. Floating rates are a familiar concept in our financial lives too, … Read more
Many people are surprised to learn that some of their largest assets may not be covered by their will. With recent changes affecting testamentary trusts and ongoing complexity around superannuation death benefits, now is a good time to review your estate plan. New rules announced in the 2026-27 Federal Budget, combined with the growing complexity … Read more
If the financial markets could talk, then bond market signals would probably be saying: “We’re not convinced the story is over yet”. Bond yields have been rising around the world as investors reassess the outlook for inflation, economic growth and government borrowing. The moves have been significant enough to influence mortgage rates, government finances and … Read more
