For most Australians, their 60s is the decade that marks retirement. For some this means a graceful slide into a fulfilling life of leisure, enjoying the fruits of a lifetime of hard work. However, for many it means a substantial drop in income and living standards. So how can you make the most of the […]

At first glance it seems like a strange thing to do: rent out a property that you own while paying rent to live in somebody else’s place. Yet this phenomenon of ‘rentvesting’ is proving popular, driven by a mix of lifestyle and financial factors. Why do it? A prime reason to rentvest is to get […]

If you think you’d never fall for a scam, read this…

October 24, 2017

If you are over 50, male, highly educated, financially literate and manage your own super, beware. You’re at a higher risk of being the target (and victim) of organised investment fraud. This isn’t necessarily because your demographic is particularly gullible. Rather, it’s because you’re more likely to control higher levels of wealth, perhaps as the […]

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Purchasing a property later in life

October 13, 2017

Home ownership continues to be our Great Dream, yet according to, many of us are investing in bricks and mortar much later in life. So, what does it take to bring this dream to life with retirement looming? There are many reasons you might purchase a home later in life: perhaps you’re starting fresh […]

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Investing: how to reduce concentration risk

September 26, 2017

Concentration risk. No, it’s nothing to do with thinking too hard about something. In fact, it’s more likely to be a result of not paying enough attention. Concentration risk is the increase in investment risk that comes about from not sufficiently diversifying your portfolio. In other words, too much money is concentrated in too few […]

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The new super rules contain some good news

September 7, 2017

The 2017 superannuation changes provide new opportunities for you to finance the cost of your life insurance needs. The 10 percent rule is history! This rule prevented employees making additional tax deductible contributions into superannuation, even though their additional contributions were within the concessional (tax deductible) contributions cap. Outline of new measures From 1 July […]

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Investment properties – know your expenses

July 19, 2017

Rental properties often need upkeep and sometimes, more significant repairs. However, in the eyes of the Australian Taxation Office, not all types of expenditure are equal! For taxation purposes, there are three major types of expenditure property investors should be aware of, all of which are subject to different taxation treatments. Expenses that cannot be […]

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Where does the money go?

July 5, 2017

Share market losses cause many people to wonder where all the money goes during downturns or crashes. This short article explains the difference between a paper loss and a real loss. During market crashes or downturns we often hear of share markets ‘losing’ billions of dollars. But what happens to all that money and where […]

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Time to rethink your super strategy?

June 27, 2017

Imagine you were starting your career all over again. You have your whole working life in front of you. How would you set up your financial affairs? The superannuation system is by far the most attractive tax structure for long-term wealth creation. When you are building up your superannuation, you can salary sacrifice and pay […]

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What are managed funds?

May 24, 2017

Managed funds are one of the most common ways people can invest their money. Many large superannuation funds will use managed funds as a way to access the skills of investment managers and different types of investments. So how do managed funds work, what types are available and what are the risks involved? The Basics […]

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