Investment

Asset Rich, Cash Poor

Asset Rich, Cash Poor

You may have heard the phrase, ‘asset rich, cash poor.’ No one likes to hear anything with the word ‘poor’ in it, but if you have to be poor, this is the best way! If you or someone you love is asset-rich and cash-poor, there are various ways that you can use those assets to improve your financial situation.

Sleeping Easy in Retirement

Sleeping Easy in Retirement

For households with at least one person aged 65 or over, the Australian Bureau of Statistics recently compared average household wealth between those that owned their own home and those that did not. The difference was enormous and the message is clear: owning a property – or a similar kind of asset - is critical in creating wealth. Our job often includes identifying that similar kind of asset.

Negative Gearing

Negative Gearing

Negative gearing is one of the most common things clients ask us about. We have written about it before - but the questions are so persistent we thought we should cover it again this week.

Income returns and capital growth

Income returns and capital growth

There are two types of investment return. They are both good. But which one you prioritise depends very much on your personal circumstances.

What Is a Defensive Investment?

What Is a Defensive Investment?

A defensive investment asset should only be used to preserve your wealth. As a result, you should be extremely confident that you will get your money back from the investment before you proceed.

Growth Investments

Growth Investments

Most people divide potential investments into one of two types: growth or defensive. In this article, we look at growth investments and discuss what they are and who should consider them.

Franking Credits

Franking Credits

A franking credit is sometimes attached to dividends that shareholders receive from companies. Most investors have heard the term. But do you know what it actually means?

Why is Capital Gains Tax the ‘Happy Tax’?

Why is Capital Gains Tax the ‘Happy Tax’?

What would you think if we told you that there is a special type of tax that people are always happy to pay? Would you think we had dropped the ball? You shouldn’t. Read on…

Long term thinking leads to serenity

Long term thinking leads to serenity

Growth markets can be very risky in the short-term. But if you let time work for you, this risk can fall away dramatically for a long-term investor.

Franking credits

Franking credits

The franking credit system is necessarily complex. But the idea underlying it is quite a simple one. A company’s profits are taxed at the applicable tax rate of each of its shareholders. This article explains exactly how.