The Australian housing market has started the year on a solid note with national home prices up 1.6% over the first three months according to CoreLogic. We had thought the drag of high mortgage rates would get the upper hand again but the supply shortfall is continuing to dominate…
Economy: Too good to be true?
The hunt for red Octobers...
Investment themes (be careful)...
Lifestyle affecting your borrowing power?
When you don’t have a mortgage it’s easy to splash your cash on living it up. But did you know that your spending habits can influence how much lenders are willing to loan you? Read on to find out how your lifestyle can affect your borrowing capacity…
How often should you check your investment returns?
Before you started reading this article, did you already do a check-up on your investment portfolio value? If you did, and do so just about every day, you're certainly not alone.
Navigating your tax return for 2021...
Do you want to get more from your tax return this financial year, but you’re not sure where to start?
3 reasons why the property bull market might be coming to an end...
The Australian housing market is booming. Prices are rising sharply, auction clearance rates are very strong, sales are surging, and housing finance is around record highs…
The importance of starting point valuations...
It makes sense that the cheaper you buy an asset the higher its prospective return will be. However, this is frequently forgotten with investors often tempted to project recent returns into the future regardless of valuations…
Super: Understanding the new balance caps...
A major change to the superannuation system came into effect in mid-2017 with the introduction of a lifetime limit on how much super can be transferred into pension accounts earning tax-free income…
Super, death and avoiding taxes...
Having enough superannuation to enjoy a financially comfortable lifestyle in retirement is the aspiration of most Australians…
RBA cuts rates to just 0.1% - but will it work?
Today the Reserve Bank has announced its cash rate decision for the month of November, moving in line with market expectations, cutting the official cash rate from 0.25 per cent to a new historic low of 0.10 per cent…
COVID & Responsible Investing...
The pandemic has been described as the ultimate test for the performance of funds that consider environmental, social, governance factors, writes Clifford Fram. The early evidence shows they are outperforming their peers…
Overwhelmed by debt?
If you’re feeling the heat of mounting bills, don’t panic. You can negotiate a better deal that lets you hang onto your cash while you weather the COVID-19 pandemic.
Covid proofing your travel plans...
Is lockdown fatigue getting the better of you? If you’re dreaming of a beachside holiday, you might be wondering if it’s safe to make travel plans…
Did you defer your loan repayments?
If you’re one of 900,000 Aussies who deferred their home or business loan due to COVID-19, you could be getting a call from your bank in the next few weeks. Here’s our guide to your options…
Envisioning a post-pandemic future...
The American mathematician Claude Shannon famously established a lower bound for the number of possible moves in a typical chess match: around 10120…
The trouble with intuition...
Cognitive bias has been of particular interest to the investing community and long lists of biases – confirmation bias, anchoring, the recency effect and dozens of others – are now the stock-in-trade of beginner investors worldwide…
Why you need a Will
In 2020 COVID-19 has introduced significant health risks and changes to family life. It’s now more important to have an estate plan so you can make sure your family and loved ones are looked after should you become ill or die….
Don't let overspending be your undoing...
Do you struggle to control your spending around your friends and family? If the urge to ‘keep up’ with a certain lifestyle is stretching your finances, it could be time to take action…