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Financial Autonomy - Why does Inflation matter?

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May 18, 2022

Why does Inflation matter?

Most of us recognise that interest rates were unusually low for a time, to counter the economic effect of the COVID pandemic. We knew that at some point they would return to normal. But what is normal, why are they going up now, and why has this got share and property markets so rattled? One … Continued

Investment

May 18, 2022

50% more weekend for 20% less pay

For many of us, our working lives have been put through a bit of a blender over the past couple of years. Teachers taking classes from their kitchen table, Team meetings whilst still in our pyjamas, exercise replacing the commute, and trying to find what works for each of us both professionally and as part … Continued

Saving Strategy

Superannuation

May 4, 2022

Offset vs Redraw

GENERAL ADVICE WARNING – Please be mindful that the information contained in this post is general in nature. You should seek advice that takes into account your specific circumstances before embarking on any significant financial matter.   Should I be putting my savings in an offset account, or paying it straight off the loan and … Continued

Saving Strategy

April 20, 2022

How to Manage Uneven Super Balances Between a Couple

This week’s piece arises from a question I received from Daniel. He wrote:   Quick question that might be good to discuss – there is a significant difference between my Super Balance and my partner (self employed) which will only get bigger over time. I’m 39 and based on the current situation I will be … Continued

Superannuation

March 30, 2022

The Balancing Act

  How do we juggle the desire to save for the future, with the need to live life to the fullest today?   Is 6 months backpacking around Europe in your 20’s more valuable than being able to buy a beach house in your 50’s? Is pushing hard on the mortgage today the wisest course, … Continued

Investment

Saving Strategy

March 23, 2022

How to Build your Financial IQ

We’re fortunate to live in an age where information is at our fingertips. If you’ve gotten more interested in investing and financial markets in recent years you’re not alone. It seems the combination of anaemic interest rates on bank savings, a proliferation in apps that make low cost investing easy, and reduced spending during COVID … Continued

Investment

Saving Strategy

Superannuation

March 16, 2022

Investing in Uncertain Times

There is always a degree of volatility on investment markets. But there are times when world events raise the level of worry and uncertainty, causing markets to seesaw, sometimes violently, from one day to the next. As investors, this sort of activity doesn’t put us in our happy place. A slow and steady upward climb … Continued

Uncategorised

February 16, 2022

Parents, Adult Children, & Money

Nearly every client I work with who has children give some thought to how they might help them out in adulthood. For those with young or teenage children, the thoughts are often around assisting them into the property market via a lump sum gift to bolster their potential deposit. For clients whose children are beyond … Continued

Investment

February 12, 2022

How to Convert Great Income into Financial Security

One of the most common reasons clients engage us through the Financial Autonomy programme is a realisation that all their hard work is not translating into financial wealth and security. It generally seems to be that people in this predicament have put all their energy and focus into developing their careers and therefore just haven’t … Continued

Investment

Superannuation

February 9, 2022

How to use the Greatest Tax Perk in Australia

Often when people think about making the transition from full time work to semi or complete retirement, there is consideration given to rejigging existing investments, whether to produce more income, reduce debt, or improve tax efficiency. But selling investments typically incurs capital gains tax and much of the planning work we do for our clients … Continued

Investment

Property

February 6, 2022

The Investment World Has Changed

In my recent New Year letter to our financial planning clients at Guidance, I proposed that investment markets are today less risky than they were in decades past. Whereas once governments and policy makers could largely leave the stock market to do what it likes, in the last decade especially there has been far more … Continued

Investment

February 2, 2022

Building Wealth Efficiently

You’re busy with your career and personal life. You don’t need your wealth creation plan to suck up hours of each week. So how can you best put your earnings capacity to work to secure choices for you down the road, without the plan adding to your already full schedule? This week I’m sharing 7 … Continued

Investment