Your Guide to the New Supported Home Care System

  • Your Guide to the New Supported Home Care System

    Updated on Podcast

    In today’s episode, Rob is joined by business partner Ashley, an expert in aged care and retirement planning. Together, they break down the major changes to aged care and home…

  • Cheer today, debt tomorrow

    Updated on Budgeting, Debt, Finance

    From early November retailers have been telling us what we can’t live without and what our kids must have if they are to still love us on Christmas Day. It’s easy to get caught up in the momentum. Of course, the downside is you end up with the post-Christmas blues when the credit card statements arrive. This may mean that wealth plans get scrapped because you have to pay off the debt first.

  • Transition to retirement pensions: A step-by-step guide

    Updated on Retirement, Superannuation

    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.

  • How to build a diversified portfolio with ASX ETFs

    Updated on Finance, Investing

    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.

  • Setting SMART financial goals that actually stick

    Updated on Debt, Finance, Investing

    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.

  • Debt: the good, the bad and the ugly 

    Updated on Debt

    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…

  • Should you downsize to boost your super? Pros, cons, and tax implications

    Updated on Superannuation

    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?

  • Help! I’m not ready to retire

    Updated on Retirement

    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!

  • Smart Ways to Use Your Tax Refund This Year

    Updated on Tax

    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.

  • Steps that lead to a successful employee to entrepreneur move

    Updated on Education, Finance

    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.

  • Why I Don’t Believe in Borrowing to the Max? (and Why Paying Off Your Home Still Matters) 

    Debt

    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.

  • How to start investing with just $500

    Investing

    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.

  • Juggling Two Jobs? Watch This Gap

    Updated on Insurance, Superannuation

    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. 

  • Estate planning for blended families – proceed with care 

    Education, Retirement

    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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