The power of extra salary-sacrificed contributions

Published: October 10, 2017

As the first quarter of 2017-18 draws to a close, it's worth checking whether you are making the most of your ability to make regular salary-sacrificed super contributions. If your salary-sacrificing contributions are lagging, think about stepping up your contributions for the remaining nine months of the financial year. Your ability to step up your […]

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I want a retirement investment plan – where do I start?

Published: October 3, 2017

Many Australians don’t have to think twice about saving for retirement because their employer regularly contributes on their behalf. These savings then have decades to grow and years to ride out the ups and downs of the share market. But what happens once you retire? Is there a one-size-fits all, no fuss retirement investment option? […]

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October 2017 Statement by Philip Lowe, Governor: Monetary Policy Decision

Published: October 3, 2017

At its meeting today, the Board decided to leave the cash rate unchanged at 1.50 per cent. Conditions in the global economy have improved. Labour markets have tightened and above-trend growth is expected in a number of advanced economies, although uncertainties remain. Growth in the Chinese economy is being supported by increased spending on infrastructure […]

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Salary sacrificing super

Published: September 20, 2017

If you make voluntary super contributions through a salary sacrifice agreement you should be aware of how your contributions will affect your super balance. You can agree with your employer for your voluntary contribution to be in addition to your employer’s compulsory super contribution. If you are deciding whether you should salary sacrifice some of […]

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Five investment barriers to recognise if you’re over 55

Published: September 18, 2017

For investors approaching their mid-fifties, or for those who've already met the milestone, it's worth being aware of the psychological barriers that can impact our decision making, so we can take steps to overcome them. Here are five common psychological barriers which are particularly relevant to investors aged over 55: Aversion to complexity As we […]

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Why Our Careers Are Not Ours Alone!

Published: September 6, 2017

Our careers are not ours alone. They are the product of and the input of many. From our teachers – both formal and informal, family who support us and friends, industry associations, mentors, advocates, colleagues and so on.  To have the mindset that our careers are ours alone – a puzzle to be figured out […]

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The great Australian (retiree) dream

Published: September 6, 2017

A recent Vanguard research paper, Retirement transitions in four countries, found that that 59 per cent of Australia's recent retirees surveyed believe they are highly satisfied with their current financial situation. This compares with 24 per cent with a medium level of satisfaction and 32 per cent with a low satisfaction level. In surveys of thousands […]

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Starting an SMSF in your 20s?

Published: August 21, 2017

As with many things about investing, deciding when and whether to setup an SMSF should much depend on individual circumstances – that go well beyond age. The tax office's latest Self-managed super fund statistical report shows that 1.2 per cent of investors who established an SMSF in the March quarter of 2017 were aged under 25. Interestingly, […]

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The digital investor and the ‘ostrich effect’

Published: August 21, 2017

The internet has certainly given investors much more immediate access to information about their portfolios, investment research and investment markets. It has also enabled us to conduct immediate online transactions. However, the internet, of course, brings positives and negatives for digitally-aware investors. For instance, these investors can more readily overreact to short-term market movements. They […]

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7 rewarding one-day Australian mountain climbs

Published: August 16, 2017

There’s something special about climbing a mountain, and it’s a feat that conjures up a whole range of thoughts and feelings. You start by psyching yourself up for the challenge, ooze energy and enthusiasm as the climb begins, question your sanity part way through, and then, with elation, enjoy a huge sense of achievement when […]

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