Custodian Financial Advice Investment funds can be broadly split into two categories – active and passive. And while both options play a part in an investment portfolio, it’s important to understand how each works before allocating money to them. Basics of passive investing Passive investing has gained momentum in Australia, and beyond, over the last decade. It could …
Tax is often the last thing on our minds when we’re planning for retirement but it’s important to understand how your retirement income will be taxed, so you can make the most of your savings. The good news is that super is a tax-effective way of building wealth for your retirement and the tax benefits …
We don’t need insurance until we do. Protecting your wellbeing and your wallet “Do I really need this insurance?” It’s probably a question you’ve asked at some point when deciding whether to part with your money. But maybe the real question should be “What if I became ill, how would we cope?” Your health and …
When it comes to investing, you have two options – inside or outside of super. Super, being a longer term investment designed to fund your retirement, comes with a number of advantages such as being lightly taxed (which can mean, more money to invest in your financial future) but does have some constraints including not …
In Australia, investing in real estate isn’t the preserve of a wealthy elite. The nation’s 2.24 million property investors, owning a collective 3.25 million homes1, are everyday Australians – skilled tradies, small business owners and professionals. If you’re a property investor, being tax-smart can be just as important as buying the right place – regardless …
Super and investment scams target your personal wealth by convincing you to invest in fake schemes and companies. A super scam is when someone tries to access your super and withdraw your money. An investment scam is when someone tries to convince you that an investment is real, so you invest your money in whatever …
Key points – 2023-24 provided another year of strong returns for investors as shares were boosted by falling inflation, central banks pivoting towards rate cuts (although the RBA is lagging) and economic conditions were better than feared. – More central banks moving to cut rates, including the RBA early next year, should provide support for …
They say nothing is certain in life except two things – death and taxes. Australians can probably add a third – the knowledge that come the end of financial year, the rules around superannuation and taxation will inevitably change. It can be hard keeping up with all the latest super and tax rule tweaks so …
With interest rates continuing to rise, reducing your mortgage interest rate can be a great way to save money so you’re not out of pocket and can keep or invest more of what you earn. Here’s a four step plan that may help you decrease your interest rate and reduce mortgage repayments. Step 1: Negotiate …
Contrary to what some people may think, debt can help you build your wealth – especially if the debt is used responsibly with a clear plan and objective. In this article, we look at three ways that may help you to better utilise debt to increase your wealth over the long-term. ‘Efficient’ debt verses ‘inefficient’ …
