Vale Olivia and Judith
Music lovers have been really saddened lately by the passing of two Australian icons, Olivia Newton John and Judith Durham. A third Australian music legend, John Farnham, recently underwent surgery for cancer. It makes us all stop and think.
Keeping Centrelink out of Your Life
We recently came across a newspaper article that broke our hearts as financial advisers. The article is written by a lady with three special needs children, whose husband passed away unexpectedly in 2015. She has been incredibly resilient since that happened, but, gee, her life has been tough.
Small Change Can Create Big Changes
You probably already know that making extra payments on a loan can save you money. But few people realise just how much. A relatively small change today can help you save large amounts in the future. Put another way, your small change today can create big changes in the future.
Protect that Income!
If you are working for a living, then you should seriously consider insuring the income you receive. Income protection is a very simple insurance: You purchase an insurance policy that pays you a benefit if you become unable to work due to illness or injury.
All About Capital Return – Investing for the Future
A few weeks ago we wrote about income return – the return you get while you continue to hold an investment asset. This week, we turn our attention to capital return – the return you don’t get until you sell your investment asset.
All About Income Return
Last week we discussed the two ways that investments make you money: through capital growth and through an income return. This week, we thought we would do a bit of a deep dive into income return.
Not all Returns are Equal
As the financial year chugs along, we think this is a good time to remind our readers that investment rewards come in many shapes and sizes – and some may suit your needs more than others.
What is the Target Cash Rate (and Why Does it Matter)?
Last week, for the third month in a row, the Reserve Bank of Australia hiked its target cash rate. The target rate is now 1.35%, up from the all-time low rate of 0.1% that it had been at since November 2020. So, what is the target cash rate? And why does it matter?
Need Help with Costs of Living? Use your home!
Inflation is starting to bite, and people on income support, such as aged pensioners, have not had their benefits adjust yet. This has many of our clients thinking about how best to cover the rising cost of living. Happily, the Commonwealth is here to help.