Treasurer Frydenberg handed down the federal budget last night and to be honest, there’s not a lot in it for individuals and investors. However, there are some real positives for small business, first home buyers and retirees. This blog provides a summary of the initiatives announced on 11 May 2021. First home buyers’ to be …
Repay your home loan or invest? You can do both. Debt recycling converts non-deductible home debt into tax-deductible investment debt, gradually and without extra borrowing. Get our free starter guide to see whether it suits you. Download Here It’s stating the obvious to say interest rates are very low at the moment. But what can …
It is alleged that Sydney-based financial advisor, Melissa Caddick stole $25 million from her clients. She has recently gone “missing”, leaving a trail of disaster for her clients and family members. Many con artists are very cunning and go to great lengths to conceal their wrongdoings. But there are a few simple steps you can …
Do you realise that $10,000 invested in Bitcoin 5 years ago would be worth over $1.2 million today? Makes you think, right? With lockdowns occurring almost everywhere around the world, no one is travelling and AirBNB’s business has been decimated. Yet, its share price has risen by more than 40% over the past year, and …
If the recent property price growth predictions become reality over the next couple of years, more homeowners may become ‘priced out’ of their desired location. What might be affordable today, could quickly become unaffordable, as prices can rise quickly. Sometimes it’s not possible to buy your dream home in one fell swoop. But do not …
Exchange Traded Funds (or ETF’s) have become very popular, particularly over the past 5 years. In fact, the amounts invested in ETF’s has doubled over this time. Last year (2020), Australians invested over $20 billion in ETFs. It is true that there are some advantages to investing in ETF’s. However, of course, not all ETF’s …
One good financial decision will have positive consequences. But five good decisions in a row will be life changing. It will create a lot more than five times the positive outcomes than one good decision will. That’s because good decisions are a compounding asset. Our lives are a sum total of the choices we have …
Interest rates on savings accounts were over 5% p.a. in 2011… only 10 years ago. Today, you would be lucky to receive more than 0.5% p.a.! That means your savings won’t even keep pace with inflation, let alone provide you with any investment return. As such, many investors are wondering what to do with their …
The beginning of a new year is a great time to take stock and set personal and financial goals for 2021. I wanted to share the process that I use personally. It has worked well for me and of course, I use the same approach when advising my clients too. It’s particularly useful to undertake this exercise after you have had …
Without wanting to seem too philosophical, I believe that life offers us lessons, but we must be prepared to look for them. As we are approaching the end of 2020, I thought it would be a good idea to reflect on what Covid has taught us about our financial decisions. I have been very proud …
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