Investing in property in Australia is rarely a simple matter of buying and holding. Regulatory constraints, tax factors, interest rate risk, credit policy changes, and evolving lending rules often mean that property investors face complexity that goes well beyond standard homebuyers’ scenarios. Many property investors, therefore, prefer to enlist the services of a mortgage broker.…
Retirement is often portrayed as a time of relief, yet for many Australian men, it brings anxiety rather than peace. Rising living costs, debt, and uncertainty around superannuation and how long savings will last can lead to financial stress. That stress doesn’t stay “just financial” — it spills over into health, relationships, and mental wellbeing.…
Before diving into techniques to save money, it’s worth pausing on why saving—even modest amounts—makes a difference. Psychological and mental-health benefits People who practice stable financial behaviours (such as regularly saving and paying off credit card debt) report better mental health, vitality, social functioning and general wellbeing. In short, saving reduces financial stress, gives you…
For Australians building wealth, the single most important decision is not whether to buy a particular share or bond, but how to allocate their money between asset classes. Active Asset Allocation—the balance between growth assets such as shares and property, and defensive assets such as bonds and cash—is the foundation of any investment strategy. It…
Money shapes almost every aspect of adult life—from managing household budgets to saving for retirement to teaching children good financial habits. Yet many Australians enter adulthood without the financial literacy needed to make sound decisions. A 2022 survey by the Household, Income and Labour Dynamics in Australia (HILDA) survey showed that around 35% of Australians…
Market volatility is an unavoidable part of investing. Prices of shares, property, and other assets rise and fall based on economic conditions, investor sentiment, company earnings, and global events. For Australians, the last decade has seen several shocks—from the aftermath of the Global Financial Crisis to COVID-19 and ongoing global geopolitical uncertainty. Each period has…
Retirement decisions are some of the most significant financial transitions in life. For Australians, preparing well means not only building sufficient savings but also making several critical decisions that directly shape the quality of life after finishing full-time work. Among the most important decisions are determining the desired retirement income, managing superannuation effectively, and deciding whether…
Why Retirement Planning Matters Retirement usually means switching from accumulating assets (earning, saving, investing) to decumulating them (drawing income, preserving capital, managing risks). Without an income plan, retirees risk outliving savings or being exposed to shocks (health, inflation, market downturns). In Australia, people rely on a mix: superannuation, possibly the Age Pension, personal savings/investments, and…
Definition: Key person insurance (sometimes called “key man insurance”) is a policy that a business takes out on the life (and/or health/disability) of one or more “key persons” whose loss would significantly harm the business. The policy is owned by the business and benefits are paid to the business, not to the employee (or their…
Life has a way of surprising us. Redundancies, health issues, rising interest rates, and unexpected bills can quickly destabilise even households that appear financially comfortable. Without an emergency fund buffer, these events can lead to spiralling debt, stress, and long-term setbacks. That is why building a financial safety net is one of the most important…
