FP – Financial Planning

Can I go back to work if I’ve accessed my Super?

Can I go back to work if I’ve accessed my Super? When you access your super at retirement your super fund may ask you to sign a declaration stating that you intend to never be employed again. But there may be compelling reasons why someone would subsequently return to work. According to the Australian Bureau of Statistics (ABS) the most common reasons retirees return to full or part-time employment are financial necessity and boredom.i Regardless of …

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Weekly Market Update 30 August 2019

Weekly Market Update 30 August 2019 Investment markets and key developments over the past week The past week saw share markets boosted by renewed hopes for US-China trade talks helped by a conciliatory approach from China. This saw US and Eurozone shares rise and Japanese and Chinese shares recover from earlier declines. Australian shares fell sharply early in the week but ended higher as renewed optimism on US-China trade talks boosted material and industrial stocks and …

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Making the most of record low interest rates

Making the most of record low interest rates The Reserve Bank of Australia (RBA) took the cash rate to a record low of 1% in July, bringing mortgage rates to their lowest level in more than half a century. However, the low cash rate also means your money in the bank could be earning less interest. Why did the RBA cut rates? Rate cuts are a way for the RBA to help stimulate the economy. …

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Weekly Market Update 23 August 2019

Weekly Market Update 23 August 2019 Investment markets and key developments over the past week The past week saw global share markets recover some of their recent losses helped by hope for more trade talks, a temporary Huawei reprieve, good earnings reports from US retailers and more talk of fiscal stimulus in Germany and the US.The positive global lead helped boost the Australian share market for the week led by IT and energy shares and …

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The ins and outs of the Protecting Your Super package

The ins and outs of the Protecting Your Super package This year, the federal government introduced laws called the Protecting Your Super package. It’s a big deal because it addresses important changes to superannuation that are here to stay. In fact, there’s even been an industry-wide campaign about how it’s time to check your super. The package aims to protect Australians from super balances becoming eroded by fees and/or premiums in accounts that aren’t being …

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Weekly Market Update 16 August 2019

Weekly Market Update 16 August 2019 Investment markets and key developments over the past week The past week saw share markets remain under pressure as the trade war rolled and Chinese and German economic data was weak leading to an intensification of global growth fears particularly after declining US bond yields saw a further inversion in the US yield curve. While Chinese shares rose on stimulus hopes US, European and Japanese shares fell, leaving global shares …

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How to retire early

How to retire early Whether you choose or need early retirement, having a plan can give your money the best chance of lasting the distance. Whether lifestyle preferences or circumstances beyond your control are behind your decision to retire early, you’ll need to make a plan to help your retirement savings last, while still enjoying a few of your favourite comforts in life. Here are some retirement planning tips to consider when thinking about retiring …

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Weekly Market Update 9 August 2019

Weekly Market Update 9 August 2019 Investment markets and key developments over the past week The past week saw a roller coaster ride in share markets with sharp falls after China responded to Trump’s latest tariffs by letting the Renminbi fall in value and ordering state-owned enterprises to halt agricultural imports from the US and the US responded by labelling China a currency manipulator, followed by a rebound as China limited downside in the Renminbi and …

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Our Top 10 lifestyle costs

Our Top 10 lifestyle costs Six out of the top 10 categories relate to just two things. Can you guess what they are, and could you be cutting back? As a nation, Aussies aged 18 and over spent approximately $145 billion on lifestyle costs over a 12-month period, with the average spend per person around $7,800, according to research1. While clothing and footwear took out the number one spot by a country mile on the …

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Weekly Market Update 2 August 2019

Weekly Market Update 2 August 2019 Investment markets and key developments over the past week It was back to “risk off” over the last week as the resumption of the US/China trade war, a less dovish than expected Fed and mixed economic data pushed global share markets down. The Australian ASX 200 followed the All Ords index to a new record high early in the week but the local market succumbed to global share market falls …