The RBA announced its third 0.50% rate increase earlier this month and its fourth rate rise since May 2022. For many borrowers there is now a level of anxiety around how far interest rates will climb and how to manage increasing repayments. Here are some simple tips...
At present the world is awash with bad news both economically and geopolitically. The two are currently inextricably linked. Despite headline inflation figures continuing to shock markets prompting central banks into panic responses with sledgehammer rate...
Many PSS preserved members are considering their options to return to the public sector. Here we look at the important variables to assess. Returning to the public service to get a better superannuation outcome for your retirement isn’t always a clearcut decision....
Recent volatility in global share markets has produced short-term negative returns for Australian shares as domestic and global bond markets. Here we look at the longer-term prognosis for shares and why they are likely to remain one of the best places to remain...
Current fixed rates for mortgages are on the rise but remain historically low. Is it too late to consider fixing your mortgage? We look at the pros and cons. With the official cash rate set by the Reserve Bank of Australian (RBA) at 0.10% interest rates in...
Those of us who have existing income protection policies have either received or are about to receive a rude shock when it comes time to renew our policies. In some cases, income protection premiums have increased by up to 70% in one year. I have received...
Getting people to confront their mortality and create an estate plan, which at the very least should include a Will and Enduring Power of Attorney is often challenging. Many clients feel daunted by the process and either procrastinate about making a plan, do not see...
One of the most common catalysts for CSS members to seek professional financial advice is when they are approaching their 55th birthday. The question they seek to resolve is whether a 54/11 is appropriate for them? Many just assume that 54/11 provides the best...
Buying a new car can be exciting. But while you are deciding on what car to buy you should be thinking about how you will pay for it. A popular way to finance a car purchase for APS employees is salary packaging and the use of a novated lease. Salary Packaging...
ESG stands for environment, social and governance. ESG investing is often used interchangeably with sustainable, socially responsible or ethical investing or other approaches to investing that consider some environmental, social or governance factors. In my...
Recent Comments