Editorial

Editorial Nov 2019 - How to protect your assets from expensive mistake

Protecting yourself from frivolous creditors and lawsuits is becoming an increasingly common concern. Here we outline some of the ways you can insulate your assets.

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Editorial Oct 2019 - The power of regular investing

One of the world’s most admired investors, Warren Buffett, is famous for saying “Don't save what is left after spending; spend what is left after saving.”

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Editorial Sep 2019 - Putting your goals first

A goals-based investment approach isn’t focused on ‘beating the market’. It’s about tailoring your investments to meet your personal goals.

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Editorial Aug 2019 - The value of having a financial adviser

Having an appropriate financial plan in place covers more than just investments and insurance. The same goes for a financial adviser – there are some you will just click with, who can help improve your financial future.

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Editorial July 2019 - Starting Again Financially

For many women, starting again after being left widowed or divorced can be difficult and overwhelming. Consider how good financial advice can make a real difference.

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Editorial May 2019 - Teaching your kids healthy money habits

Teaching your kids healthy money habits. With a few simple changes, you could set a good example for your children.

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Editorial March 2019 - Prune, adapt and budget: Managing the rising cost of living

If you’re organised with your finances, the high cost of living doesn’t have to mean diminished savings.

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Editorial February 2019 - Smart ways to financially get ahead in your 40s

In your 40s and still not financially secure? Don’t fret. You can still catch up.

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Editorial November 2018 - Put your financial windfall to good use

Windfalls such as salary bonuses and inheritances are more common than many people think. An Australian survey showed that 85% of seniors are likely to leave an inheritance for their children, with an estimated $3.3 trillion pledged1.

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Editorial October 2018 - Smart ways to handle finances in a relationship

Whether they’re saving for a house or a holiday or seeking to grow or preserve their family wealth, setting up and sticking to a budget can help couples attain their common goals. By handling money well, they can avoid disagreements that could put a strain on their relationship.

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Editorial September 2018 - Managing the cost of insurance

Life insurance policies don’t have to cost an arm and a leg. Here are tips for making them more affordable.

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Editorial August 2018 - How to keep your business debt under control

Sometimes you can’t avoid debt in a business. You may have to take out a loan, for example, to increase production or expand your business offerings. But piling up a lot of debt may leave your business in financial difficulty or, worse, bankrupt. So it’s vital to manage your debt before it gets out of hand. Here are some practical suggestions to consider.

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Editorial July 2018 - Saving for retirement when you have dependants

Preparing for retirement can be difficult for parents who have dependent children to support. They may find themselves torn between saving for retirement and setting aside money for their children’s education or other needs. Even adult children ask their parents for financial help; one survey found that more than half of Australians aged 18 to 35 borrow regularly from their parents, including to get help with big purchases or university fees.

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Editorial June 2018 - Saving for a first home is now easier

First-home buyers can now use their super to save for a house deposit, thanks to the First Home Super Saver scheme. Exorbitant property prices have made entering the market a pipe dream for many first-home buyers. They need to find more than $175,000 for a 20 per cent deposit to buy a house in Sydney at the median value of $878,325, according to CoreLogic data

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Editorial May 2018 - Be retirement ready - plan early

You need to be savvy to build a sufficient nest egg for retirement. Planning is key, and so is getting professional advice. Most Australians are not saving enough for retirement and risk running out of money sooner than they expect. Data shows that in 2015–16, Australians had average superannuation balances of only $270,710 for men and $157,050 for women at the time of retirement.1 These sums are significantly lower than the $545,000 that the Association of Superannuation Funds (ASFA) estimates singles need for a comfortable lifestyle in later years.

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Editorial March 2018 - Get help choosing personal insurance

When things go wrong, it’s nice to know you’re covered. But getting suitable insurance cover can be a matter of getting professional advice.

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Editorial February 2018 - Make your financial New Year’s resolutions come true

New Year’s resolutions help you focus on what you would like to achieve in the coming year. Financial resolutions can be particularly beneficial, especially if you’re serious about following them through. Here are some suggestions to get you started.

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Editorial January 2018 - Take a break - Without breaking the bank

Take a break – without breaking the bank Holidays should be a well-deserved break from worry. Here’s how to minimise your stress and have a relaxing time away.

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Editorial November 2017 - Financial literacy leads to healthy habits

It’s an important skill but many people are still not as financially literate as they should be. Here are some ways that may help you improve.

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Editorial October 2017 - Five things to consider when giving to charities

The urge to donate is strong in Australia, and it’s easy to make it part of your financial plan. An estimated 14.9 million Australian adults (80.8 per cent of the population) gave $12.5 billion to charities and not-for-profit organisations in 2015–16.

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Editorial September 2017 - Budget basics for teens and young adults

As kids grow older, their financial needs – and their opportunities – grow more complex. If you have done the groundwork and taught your children the benefits of budgeting and saving, it will be much easier to talk to them about managing their finances in their teens and beyond. Teaching good money management early will help them make informed financial decisions over the long term.

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Editorial August 2017: How to deal with market volatility

How to deal with market volatility Market volatility can be a curse or a blessing… It all depends on how ready you are to deal with it...

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Editorial July 2017: First-home buyers get some help

First-home buyers get some help State and federal governments are creating new incentives to help first-home buyers get into the overheated housing market...

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Editorial June 2017: Budget offers an incentive to downsize

Budget offers an incentive to downsize The 2017 Federal Budget encourages some older people to downsize from homes that no longer meet their needs to free up housing stock for young families...

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