Super or the mortgage?

Published: March 7, 2016

Why super? There are two key reasons why topping up your super could be a better option. The first is that home loan repayments are usually made with after-tax money. Alternatively, super contributions can be made with pre-tax dollars (if you’re an employee) or claimed as a tax deduction (if you’re self-employed and meet other […]

Read more

At the heart of an investment portfolio

Published: February 29, 2016

ETF investors following a classic core-satellite strategy hold the core of their portfolios in index-tracking ETFs. Such investors then hold the remainder of their portfolios in smaller "satellites" of selected direct investments and actively-managed funds. The core-satellite approach using ETFs can be applied to a single asset class or to a range of ETFs covering […]

Read more

Dividends cushion an eight-year rollercoaster ride

Published: February 15, 2016

Dividends have cushioned an eight-year rollercoaster ride for share investors. This is illustrated by looking at the ups and downs of the S&P/ASX200 Index (prices only) and the S&P/ASX200 Accumulation Index (share price plus dividends) over this period. A little over eight years ago on November 1, 2007, the S&P/ASX200 closed at a record, 6828.7 […]

Read more

Some Australians are banking on inheritance to secure retirement

Published: February 15, 2016

Almost one third of all Australians may be relying on the inheritance to pay off the mortgage and ensure their financial security in retirement, according to recent research by MLC, the Australia Today report. Lifestyle trumps mortgage as a goal for the future The issue seems to be our ability to pay off the mortgage […]

Read more

Managing a holiday home

Published: February 4, 2016

Reproduced with the permission of the Mortgage and Finance Association of Australia (MFAA) Before you take the leap into holiday-home investment, it is essential that you consider all angles. This means taking your heart out of the equation and giving thought to rental returns. When deciding whether or not to buy a house or unit, […]

Read more

Going undercover

Published: January 22, 2016

Reproduced with permission of Vanguard Investments Australia Ltd First the good news. Millions of Australians gain their life and disability insurance as well as income-protection insurance through their super funds' default cover. And the level of that default cover tends to be much more adequate than a decade ago. Now the not-so-good news. It can […]

Read more

Start 2016 on the right foot

Published: December 1, 2015

December 2015 Around half of us make New Year’s resolutions – but only around 12% manage to succeed[1]. With getting out of debt and sorting out our finances high on the wish list each year, here are three tips to help you keep your resolution and make 2016 a financial success. Step 1: Clean up […]

Read more

How to shop safely online this Christmas

Published: November 9, 2015

If you want to avoid the crazy crowds this Christmas, shopping online can be faster, easier, cheaper, and offer more choice than your average shopping centre. But, while most online businesses are legitimate, online fraud does exist – leaving you poorer with no gifts in sight. Here are three common scams to watch out for […]

Read more

Why paying off your credit cards is not enough

Published: November 5, 2015

Reproduced with the permission of the Mortgage and Finance Association of Australia (MFAA) Getting your mortgage application together can require quite a bit of financial scrutiny. In order to figure out your serviceability, your potential lender will look deeply into your finances. It’s a no brainer to take your credit card debts into consideration when […]

Read more

3 financial tips for responsible parents

Published: October 14, 2015

We all want our children to have the best possible future. Here are three things you can do today to help give your kids a good start in life. Having a family is one of the milestones in life that gets you thinking seriously about your financial situation. After all, we want to be able […]

Read more