A managed mortgage fund (or scheme) is an investment vehicle where many investors pool capital, which is then lent out as mortgages secured by property (residential, commercial, or mixed) rather than ordinary bank deposits or shares. The loans might be “first mortgages” (senior, registered mortgages) or subordinate (second mortgages, mezzanine, etc.), depending on the fund.…
Investing for the long run—whether over decades through your working life into retirement, or preserving wealth for future generations—requires more than picking assets. It requires habits, mindset, structure and an understanding of the current economic setting. Below are key principles and tips for long term investors in Australia, supported by research, followed by guidance on…
Retirement is often imagined as a time when many expenses fall away: no commuting, children grown, fewer professional clothes, maybe paid work is reduced or stops. In many cases, that’s true. However, other expenses for retirees remain high—or even increase—especially in areas such as health, aged care, and the cost of living more generally. As…
In an increasingly complex financial world, many Australians are faced with the challenge of managing their finances effectively and are increasingly turning to a financial planner for assistance in achieving their long-term goals. From navigating volatile investment markets to planning for a comfortable retirement, the decisions can be overwhelming. This article explores the benefits of…
In a nation known for its high quality of life and robust economy, a troubling paradox of people living paycheck to paycheck has emerged. Despite record-high employment figures, a significant portion of the Australian population finds itself in a state of financial precariousness. Recent data reveals a stark reality: half of all Australian workers are…
In the pursuit of financial security, Australians diligently build their wealth through savings, investments, and superannuation but often overlook Income protection insurance. Yet, the most foundational asset underpinning this entire structure is often the most overlooked: the ability to earn an income. An unexpected illness or injury can instantly remove this cornerstone, jeopardising everything from…
Death and Disability Insurance is often included in the superannuation of many Australians, which is a cornerstone of their retirement planning. Beyond its role in building a nest egg for the future, your super fund can also provide a crucial safety net for you and your family in the event of unforeseen tragedy. This safety…
In the journey of life, we plan for milestones, but unfortunately, Trauma Insurance and Income Protection Insurance are seldom considered; buying a home, starting a family, and building a career take precedent. Yet, few of us like to plan for the unexpected detours, like a serious illness or an injury that stops us from working.…
Navigating the Australian property market can feel like setting sail on a vast and complex ocean. With countless lenders, ever-changing interest rates, and a sea of paperwork, it’s easy to feel adrift. This is where a good mortgage broker can act as your financial navigator, steering you towards the safe harbour of a suitable home…
End of Financial Year or June 30 (as it's commonly referred to) looms, and pressure starts to build. For many Australians, it’s a time of frantic document gathering. There’s also a sense of dread about the tax bill to come. But what if you could change that narrative? What if End of Financial Year became…
