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What to do if you’re 55 and have no retirement plan

Key takeaways Strategies for fast tracking your retirement savings nest egg, such as debt elimination, additional super contributions and targeted investing. How part-time work and delaying receipt of the Age Pension can boost your retirement income. Retirement planning is one of those things that often gets pushed to the back burner. When you’re young, it’s …

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The money conversations you need to have

Although it can feel uncomfortable, talking about money is a good thing. Get some help from the experts to start positive conversations and keep things on track. Making money talk work for you When was the last time you talked about money? You might struggle to remember. Your personal finances or debt position are hardly …

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Make your money work harder – pitfalls to avoid

If there’s one rule of thumb for investors to bear in mind, it’s that “if it looks too good to be true, it probably is”. Be aware The expression “a fool and his money are easily parted” is not as relevant today as it once was. These days, scams and fake investment schemes can be …

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Five lessons learned in 2023

Interest rate cycles can be different Students of economics are taught that monetary policy works with long and variable lags, up to 12-18 months. We had assumed that in the current cycle, the economy in 2023 would have been more negatively impacted from the rate hikes which began in May 2022. However, in the current …

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A guide to SMSF insurance and estate planning

Making a decision about life insurance is an essential part of your self managed super fund’s investment strategy and can provide a valuable benefit for members. Do your members need life insurance? Trustees are required to ask this question as part of the SMSF’s investment strategy. Here are some things to consider, and tips to …

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Want to earn more and keep your Age Pension?

Many people continue, or even start, working once they’ve reached Age Pension age. This may be for social reasons, personal fulfilment or to maintain their standard of living. With the higher cost of living at the moment, even more pensioners are taking up work. But what does this mean if you’re receiving the Age Pension? …

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Mortgage vs super: where should I put my extra money?

It’s a dilemma many of us face – are we better off directing extra money to our mortgage or super? As with most financial decisions, it’s not a one size fits all approach and here are some factors to consider in deciding what’s right for you. Key takeaways: There may be tax advantages when you …

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Falling inflation – what does it mean for investors?

Key points Inflation is in retreat thanks to improved supply and cooling demand. A further fall is likely this year. Australian inflation remains relatively high – but this mainly reflects lags rather than a more inflation prone economy. Profit gouging or wages were not the cause of high inflation. The main risks relate to the …

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Economic and market overview

A rally in the second half of the month helped global share markets generate solid gains in January, extending the rally from November and December. The latest indicators suggest economic conditions are holding up quite well in most regions, which augurs well for corporate earnings. With inflation still above central bank targets, investors pared back …

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Australian household wealth

Australian household wealth Is high Australian household wealth a source of support for consumers? Key points Australia ranked as having one of the lowest rates of disposable income growth per capita amongst OECD countries in mid 2023. An increasing income tax burden and mortgage repayments have weighed on income growth, despite solid wages and salaries. …

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