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Managing your insurance costs

You don’t have to cut corners on your insurance or sacrifice the adequacy of your cover to make your policy more affordable.

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Personal insurances: The risk probability/impact matrix

A vital part of wealth accumulation is putting appropriate strategies in place to manage risk.

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Retirement age? Accessing sources of income

Retirement often involves a shift from employment income to income derived from a combination of your retirement savings (investments inside and/or outside of superannuation) and potential Age Pension entitlements.

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Scams: If it seems too good to be true, it probably is…

According to the ACCC’s recently released annual scam report, the total reported losses from scams in 2017 was over $340 million (a $40 million increase compared to 2016).

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The relationship between saving motives and saving habits

Before we dive in, take a moment to consider which of the following best describes you and your household in terms of your current saving habits?

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Downsizing measure

In retirement, you may find that your home no longer meets your needs. You may want something smaller or more aligned with your lifestyle

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Save through super for your first home

High property prices have made owning a home unattainable for many prospective first‑time buyers. Butthe First Home Super Saver scheme, passed by the Australian Government in December 2017, may help keep their dream of buying their first home alive.

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Couple’s finances: Being in tune with one another

When managing your personal finances as a couple, it’s important to recognise and address any differences you may have regarding your beliefs on money and your money personality. We discuss ways to help you in this space through the fostering of communication, mutual understanding and teamwork.

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Child care reform: The child care subsidy

From 2 July 2018, the Child Care Benefit and Child Care Rebate will be replaced with a new financial assistance payment for eligible families, the Child Care Subsidy. In this article, we explore the Child Care Subsidy in more detail regarding eligibility, payments and transitioning/claiming.

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EOFY planning tips: 3, 2, 1... Lift-off!

The end of the financial year is nearly upon us. Where has the year gone? In this article, we discuss several end of financial year planning tips that you may wish to consider prior to 30 June – they may help in terms of minimising your tax liabilities and making the most of the money you earn.