As you progress towards retirement age, the idea of reducing your working hours can be appealing, especially if you can do it without reducing your income. Fortunately, there is a way to do this. It’s called a Transition to Retirement Income Stream (TTRIS), which allows you to supplement your part-time income with regular payments from your superannuation savings.
Thinking about selling your business or farm? Before you make the leap, make sure you’re not walking away from opportunities or walking into avoidable mistakes. Rob and Amy break down…
Aged care is about to become far more expensive, and most families have no idea what’s coming. In this episode of the Investor Motivation Podcast, Rob and Ash unpack the…
In this episode, Amy and Rob break down the newly updated superannuation tax changes and what they mean for investors. They discuss the revised $3 million and $10 million thresholds,…
Ever wondered why no matter how much you earn, money still feels stressful sometimes? It’s not just numbers, it’s emotions, habits, and mindset at play. In this episode, we dive…
In this episode, Robert Goudie and Amy Lehmann breaks down everything you need to know about mortgages, from why managing your loan with care is crucial, to real cash flow…
Ever Googled questions like “Can investing make you rich?” or “Is investing better than saving?” You’re not alone! In this episode of the Investor Motivation Podcast, Amy Lehmann and Robert…
Despite the temporary, sudden downturns caused by the 2007-2009 global financial crisis and the 2020-2021 COVID pandemic, the value of the ASX increased by more than 160% between 2000 and 2024, as evidenced by the growth in the ASX 200 market index. This demonstrates that it’s better to invest in a variety of shares rather than sticking to just a few.
In the context of your personal finances, SMART refers to setting clear, quantifiable, feasible and appropriate financial objectives, to be carried out within a defined time frame. You’re much more likely to succeed if you avoid vague, non-measurable, unrealistic and inappropriate aims with no actual deadline. Relying on SMART goals will help you stay on track as you shape your financial future.
The opinion of many people towards debt can be best summed up in the often quoted line from Shakespeare, ‘neither a borrower nor a lender be.’ Yet others will embrace…
The idea of downsizing can be very appealing to empty-nesters. There will be less cleaning, gardening and maintenance, more time for hobbies and travel, and the icing on the cake comes if you can use the cash surplus you created to give your super a significant tax-effective boost.
But is the picture totally rosy, or are there some drawbacks to downsizing?
If you don’t feel prepared for retirement, you’re not alone.
Retirement preparedness doesn’t just mean having enough money to leave work but includes emotional challenges like your sense of self and what your future might look like.
Set yourself up for a rewarding retirement by meeting the following common challenges, head-on!
You may be one of many Australians who make an interest-free loan to the federal government every year. That’s because, when you receive a tax refund, you’re not getting free money. All that’s happening is that cash which is rightfully yours is being returned, somewhat late. So it makes sense to make it work as hard as possible once it’s back in your hands.
If you’ve ever dreamed of setting up your own business you’re not alone.
According to the Australian Bureau of Statistics, (ABS), in the financial year 2023 – 2024 over 400,000 Aussies did just that!
Over the same period, almost 363,000 small businesses called it quits.
In this episode, Robert Goudie and Amy Lehmann dive into the importance of patience in investing and explore what makes a great business a bad investment if bought at the…
Recently I got a perfectly understandable question on social media. Actually, it was in two parts:
Why wouldn’t you borrow as much as the bank will let you?
Why would you even bother paying off your own home?
I get why someone would ask this. Around 80% of the marketing you see on social media in the finance space is from businesses promoting the purchase of investment properties. And surprise, surprise the people saying this are usually in the business of selling property. That’s a built-in conflict of interest.
When you have a spare $500 and are wondering whether to spend it or save it, why not consider a third option?
Invest it. Make a commitment to your financial future, instead of wasting it on purchases that will deliver only temporary pleasure.
Invest that $500 and watch it grow. Here’s how.
Brie is a 30 year old who, like about 7% of working Australians, has two jobs: her main job is as a learning support assistant at a primary school, where she works about 30 hours a week, and she also works one night a week as a disability support provider. Brie earns $1,760 a week from her main job, and $600 a week from her second job, totalling $2,360 a week.
What does a comfortable retirement really look like in Australia? Robert Goudie and Rachael Todman break down the numbers using real-life retirement income benchmarks and financial modelling for singles and…
Last month Jess fell down the staircase in her apartment resulting in a very serious ankle injury. She is expected to be unable to work for at least two months as a result of the surgery and complications with her recovery.
Despite a slowdown in Australian economic and productivity growth in the last five years, Australia’s economy is usually considered strong and resilient when compared with other developed nations. Given our economic strength, why would anyone want to invest anywhere else?
To answer this question, let’s consider what stocks might be included in a share portfolio with an international focus.
For simplicity purposes, we will look into the portfolios of a leading provider of index managed funds and their top 10 holdings. These funds tend to be passively rather than actively traded, and seek to reflect their chosen share index over the medium-to-long term.
Wondering if a Trust is the right move for your investments? In this episode, Amy Lehmann and Robert Goudie break down when (and why) it might be time to set…
How much is enough to retire? It’s the question financial advisers Robert Goudie and Rachael Todman hear the most — but the real challenge isn’t just about the number. In this…
Despite a slowdown in Australian economic and productivity growth in the last five years, Australia’s economy is usually considered strong and resilient when compared with other developed nations. Given our economic strength, why would anyone want to invest anywhere else?
To answer this question, let’s consider what stocks might be included in a share portfolio with an international focus.
For simplicity purposes, we will look into the portfolios of a leading provider of index managed funds and their top 10 holdings. These funds tend to be passively rather than actively traded, and seek to reflect their chosen share index over the medium-to-long term.
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