FinancialPartners

How does housing affordability in Australia rank on world stage?

How does housing affordability in Australia rank on world stage? When it comes to housing affordability, our capital cities haven’t fared well. There are 28 ‘severely unaffordable’ major housing markets that exist internationally1—and of those, Sydney, Melbourne, Adelaide, Brisbane and Perth all rank among the top 212. These are the findings from the 2018 Demographia International Housing Affordability Survey, which assesses housing markets across nine countries including Australia, Canada, China, Ireland, Japan, New Zealand, Singapore, the …

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Five important issues to consider before tying the knot

Five important issues to consider before tying the knot Before your big day, much of the financial talk may have been around budgeting for your wedding and planning your honeymoon. But while not nearly as exciting, there’s another vital part of your new partnership that should be considered: your future finances. Finances can be one of the biggest sources of stress and tension in a marriage. However, open communication and careful planning now can help you avoid …

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Self-employed? There’s still time to grow your super

Self-employed? There’s still time to grow your super While approximately 1.3 million Aussies run their own show, one in five has no superannuation at all. Many Australians see self-employment as a goal worth aiming for. But running your own show can mean retiring with very little in super savings – one in five self-employed people have no super at all compared to just 8% of employees. Self-employed women are especially hard hit. Among women aged …

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How a planner can help you invest ethically

How a planner can help you invest ethically Believe it or not, you can grow your retirement nest egg and do good at the same time, especially with the help of a good financial adviser. A website recently launched by the Responsible Investment Association of Australasia (RIAA) reveals the wide choice of ethical and socially responsible investment options available in Australia and New Zealand. Many of these options are offered by well-known and experienced investment managers, but their approaches …

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Now’s the time for tax planning

Now’s the time for tax planning With less than ten weeks remaining to the end of the financial year, now is the time to start some serious tax planning. Getting ready for tax time should go well beyond bundling receipts into a shoe box for your accountant. The run up to 30 June is a critical time for investors to take a good look at their investment portfolio. Your goals and needs may have shifted …

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After the Australian household debt and east coast housing booms – interest rates on hold until 2020

After the Australian household debt and east coast housing booms – interest rates on hold until 2020 Will Australian interest rates ever go up? While the global economy is seeing its fastest growth in years and the US Federal Reserve has increased rates five times since December 2015 and is on track for more hikes this year, the Reserve Bank of Australia (RBA) has now left interest rates on hold for a record 21 months …

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The true value of financial advice

The true value of financial advice Does investing in a financial planner really pay off? According to the latest research from Sunsuper you could be thousands of dollars better off when you make choices based on professional financial advice. Plus you’ll take more family holidays, have greater peace of mind and more confidence in your financial decisions. Teaming up with research experts, Core Data, Sunsuper have released The Value of Advice Report. Insights include financial forecasts …

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Can you afford a divorce?

Can you afford a divorce? With divorce happening later in life[1], Australians are taking the financial hit that comes with the end of marriage at a time when they’re at the peak of wealth accumulation. While saving money may not be a reason to stay together, it’s worth knowing what kind of impact divorce can have on your financial position. And if separation is on the cards, how can you limit the financial and emotional …

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Planning for a (much) longer life

Planning for a (much) longer life We generally need to make earnings from 40 to 50 years in the workforce extend across what could be 80 to 90 years of living. Australians today need to do something our parents and grandparents didn’t even think about – plan for a long life, and a new report shows the benefits of planning for longevity go beyond money matters. The gift of an extra decade Australians enjoy one of …

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Pre-federal Budget 2018 commentary

Pre-federal Budget 2018 commentary Winners and losers from the pre-election budget AMP Capital’s Senior Economist Diana Mousina gives a rundown of what you can expect from this year’s budget. View the video below. Diana Mousina, Senior Economist, Multi Asset Group, AMP Capital Our overall expectation for this year’s budget is that it will look and feel like a pre-election year budget. What that means is it will have plenty of good news for the household hip …