Downsizing is not always the answer

Published: November 13, 2017

If you're pinning your financial hopes on the ability to downsize your home in retirement, you may need to think twice. Many Australians don’t have enough in super to fund a quality retirement, but if you’re pinning your hopes on the value of the family home, it could pay to think again. Downsizing to a smaller place may […]

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The medium term investment return remains constrained

Published: November 9, 2017

The last five years have seen strong returns for diversified investors thanks to double digit gains in shares (after a rebound from a mini bear market around the Eurozone crisis) and solid returns from unlisted commercial property and infrastructure. For example, balanced superannuation funds saw median returns of 9.3% per annum over the five years […]

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Housing affordability down, rental affordability up

Published: November 3, 2017

Despite national figures, there are still windows of opportunity within different Australian states. Aussie home owners are now forking out nearly a third of their annual income to meet average home loan repayments, according to research from the Real Estate Institute of Australia.1 The group said while home loan affordability showed a slight decline in the second […]

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What do Aussies do with their super?

Published: November 2, 2017

Find out where and what retirees are investing in and spending their superannuation money on. A significant number of Aussies are now entering retirement with substantial superannuation balances, after compulsory super contributions for most employees were introduced a quarter of a century ago1. But what are retirees doing with their super money? Are they putting […]

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Technology: An adversary in the fight for 2% inflation

Published: October 30, 2017

It's been a generation since inflation last ravaged Australia, with costs for ordinary consumer goods rising on a seemingly daily basis. Indeed, in the wake of the global financial crisis, inflation in many countries has been lower than policymakers would like. Low inflation, it turns out, can be a problem too. Over time, declining or […]

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Think ahead about smart retiree spending and investing

Published: October 27, 2017

A common personal finance trap is to concentrate on saving and investing to finance our eventual retirement without thinking enough in advance about how to invest and spend that money in retirement. Given that we have so much going on in our lives long before retirement –such as our careers, dependent children, home mortgages and […]

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Five great charts on investing for income (or cash flow)

Published: October 24, 2017

The low interest rates of recent times along with periodic turmoil in investment markets has provided us with a reminder of the importance of the income (cash) flow or yield an investment provides. It’s particularly important for those relying on investment income to fund their living expenses. As with all investment topics, investing for income […]

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Estate planning: what’s involved?

Published: October 16, 2017

Make sure you and your money are well looked after. Estate planning is not just about making a will. It’s about deciding how you want to be looked after (both medically and financially), if you can’t make your own decisions later in life. It’s also about documenting how you want your assets to be distributed […]

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Where do different generations invest their money?

Published: October 16, 2017

An Australian study could reveal some surprises when it comes to the investment preferences of both young and old. If you thought cash savings or investment property were the most popular retail investment choices among Aussies, a recent study by the Australian Securities Exchange (ASX) revealed that it was in fact shares, along with other on-exchange investments*1. The […]

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