Plan for your retirement

Plan for your retirement

Planning to retire means considering the steps and decisions needed to get you to where you want to be. Think ahead to the kind of life you want to live and how you will support yourself when you’re no longer working. Work out how much you need to retire How much you need to retire … Read more

How behavioural biases could be hurting your investment returns

How behavioural biases could be hurting your investment returns

Two mental traps that could be affecting your investing Even the most experienced investors can fall prey to subtle psychological traps. These behavioural biases often operate under the surface, influencing decisions in ways that can undermine long-term investment success. Here are two of the most common behavioural biases that may be affecting your investment results … Read more

How to stay scam safe

How to stay scam safe

Take a sec to check Scammers aim to take advantage of weak security and plan on you being distracted with everyday life. To keep yourself safe: Stop – Don’t share your personal information such as your myGov sign in details, Tax File Number (TFN), or bank account details, with anyone unless you trust the person … Read more

How $1,000 plus regular contributions turned into $823,000 through compounding

How ,000 plus regular contributions turned into 3,000 through compounding

A simple ongoing investment strategy can deliver substantial returns over time Imagine planting a tree that not only grows fruit but also grows more branches, which grow even more fruit. That’s compound interest in motion, which is sometimes referred to as the “eighth wonder of the world”. It’s the financial phenomenon where your money earns … Read more

Retirement villages and occupancy arrangements

Retirement villages and occupancy arrangements

What is a retirement village There are so many options when it comes to moving into a retirement village. Here we explain what some of them are along with the contractual arrangements you may have for each accommodation. A retirement village is accommodation: intended for people who are 55 years or older that may be independent … Read more

Preparing for another savings pinch

Preparing for another savings pinch

The bad news for savers relying on income returns is set to continue Australia’s underlying level of inflation is continuing to fall, and which paved the way for another official interest rate cut when the Reserve Bank of Australia (RBA) board met earlier in the month. It was welcome news for borrowers, but not for … Read more

What are the SMSF investment restrictions?

What are the SMSF investment restrictions?

About SMSF investment restrictions SMSFs are complex, here we have outlined some of the restrictions to help you before you make any decisions on self-managed super fund (SMSF) investment. You must ensure you understand any restrictions on SMSF investments to avoid any penalties. There are some exceptions, however, generally your SMSF must not: lend or … Read more

New Trump tariffs: early modelling shows most economies lose – the US more than many

New Trump tariffs: early modelling shows most economies lose – the US more than many

The global rollercoaster ride of United States trade tariffs has now entered its latest phase. President Donald Trump’s April 2 “Liberation Day” announcement placed reciprocal tariffs on all countries. A week later, amid financial market turmoil, these tariffs were paused and replaced by a 10% baseline tariff on most goods. On July 31, however, the … Read more

Know your new limits under the age pension tests

Know your new limits under the age pension tests

Understand the latest indexed changes to the pension income and assets tests Receiving the full government Age Pension, or even a partial pension payment, can provide eligible retirees with a significant amount of income over time that can supplement income earned from other assets. Millions of Australians are eligible to receive Age Pension payments every … Read more

Why rebalance a multi-asset portfolio?

Why rebalance a multi-asset portfolio?

Maintaining diversification, managing risk, and enhancing long-term returns Multi-asset portfolios are designed to provide diversification by spreading investments across various asset classes to reduce risk. Over time, however, some asset classes may become overweighted (or underweighted), potentially reducing a portfolio’s overall diversification. For example, if equities perform exceptionally well, a portfolio that was initially well-diversified … Read more

September 2025 Newsletter

September 2025 Newsletter

We can now leave the chill of winter behind and embrace the warmer months of spring. In our first article, discover why some investors can be prone to making rash decisions when markets fluctuate and how our emotions could affect our investment decisions. The new financial year saw index increases to the income and assets … Read more