Your no. 1 financial focus – decade by decade

Your no. 1 financial focus – decade by decade Everyone has a different life journey they’re on. But getting on top of key financial goals as you follow your own path could see you enjoying a more comfortable lifestyle and being ready for the next chapter to begin. Read our guide to getting all your money matters sorted out, one decade at a time. In your 20s Goodbye debt – the real danger in your 20s …

Breaking the debt cycle: Tips for millennials

Breaking the debt cycle: Tips for millennials Research from James Walker-Powell CFP®, Principal at More4Life Financial Services shows millenials are having their lifestyle choices limited by debt. Find out more about how personal borrowing can hold you back and get guidance on how to keep your finances on track in your younger years. When borrowing becomes a problem As father to a daughter who left school recently, James takes both a professional and personal interest in the …

How much super should I have?

How much super should I have? It’s all very well having retirement savings as a financial goal, but just how much should you plan to have in your super balance now, and when you retire? Find out more about coming up with a super balance target, for your age group, and for the retirement lifestyle you have in mind. Above or below average? Assuming you’ve been in the workforce for a few months, years or …

Most older Aussies say they’d prefer home care over a nursing home

Most older Aussies say they’d prefer home care over a nursing home While nearly nine in 10 say they have a preference, less than five in 10 have discussed their wishes with their family. What about you? According to a recent study by McCrindle, nearly 90% of Australians aged 50 and over said they’d prefer to live out their days in their own home, even though most admitted to not having given much thought to …

Responsible & ethical investing – what are they & what’s the difference?

Responsible & ethical investing – what are they & what’s the difference? Whether it’s the war on waste, human rights abuses, animal rights or climate change that is your issue of choice (or perhaps you’re concerned about all of them), more of us are taking an interest in making decisions with our money that reflect our values.  Recent research from the Responsible Investment Association Australasia (RIAA) shows that 92% of Australians now expect their super …

Would you like to retire by 40?

Would you like to retire by 40? Many younger Australians are joining the Financial Independence, Retire Early (FIRE) movement. Is it right for you? When you’re starting out in the workforce and building your career, retirement can seem like a long way away. And with the age at which you can access your super and age pension creeping up—not to mention the increasing cost of living—you might be steeling yourself for a longer working life. The stats don’t lie—Australians …

Corrections, gummy bears and grizzly bears in shares

Corrections, gummy bears and grizzly bears in shares Key points The pullback in shares could still have further to go but a deep (grizzly) bear market is unlikely as US, global or Australian recession are unlikely. Increasing US Federal Reserve openness to a pause in raising rates, the likelihood of a US/China trade deal sometime in the next six months and the plunge in oil prices all add to confidence that a grizzly bear market …

10 money conversations to have when your relationship heats up

  10 money conversations to have when your relationship heats up It’s probably not the sexiest thing the two of you have on the to-do list but putting it off could see you butting heads. Whether or not money issues got in the way of past relationships, you may be thinking, there’s no way you’re going to pull back on that long passionate kiss you might get after work today to drop the f bomb …

Planning for the unplanned in retirement

Planning for the unplanned in retirement It’s important to prepare for unexpected illness that could throw your retirement plans off course. When you close your eyes and think about retirement, what comes into your mind? Lounging on a pristine beach in the Whitsundays? Enjoying a croissant in a café on the Champs Elysees? Kitesurfing on the bay? If you’re approaching the finish line, chances are that you’re getting proactive and eagerly preparing for life after …

Volatility: A sleeping giant

Volatility: A sleeping giant Market volatility has been like the Incredible Hulk in 2018; a good-tempered scientist one minute, and a giant raging monster the next. We first saw the scientist turn into the monster during the spectacular February market swoon. What followed were eight months of relative calm in which the mild-mannered scientist returned, luring investors back into the market, and into US equities in particular. But as the monster re-emerged in October, the …