How much super should I have at my age?

Published: May 8, 2018

  We look at the average super balances for different age groups in Australia so you can see how your super savings compare. A healthy super balance can be a key ingredient in being able to live the life we want in retirement. But for many people, retirement is a long way off, and it […]

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What is the cost of raising a child?

Published: April 10, 2018

We take a look at the costs that come with raising kids through the different stages of their life. Laughter, joy and fun are some of the words associated with having kids, but there’s another word that often gets overlooked – expensive. Whether you’re just starting to think about having a family, have a baby […]

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Personal debt – maybe the mortgage isn’t so bad

Published: April 3, 2018

Household debt in Australia is high but more of us are taking a sensible approach to debt management. Nationally, our household debt ratio is nudging 200%. On paper it means we owe twice as much in debt as we bring home in our pay packets each year. It sounds like an alarming figure but as […]

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Why it pays to contribute to your partner’s super

Published: March 28, 2018

If your other half is a stay-at-home parent, working part-time or out of work, adding to their super could benefit you both financially. If your spouse (husband, wife, de facto or same-sex partner) is a low-income earner or not working at the moment, chances are they’re accumulating little or no super at all to fund […]

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Investing for kids – ways to save for their future

Published: March 28, 2018

Whether you’re thinking about childcare, education or beyond, saving even a bit now could make a big difference later. It’s natural to want the best for the children in your life, whether you’re their parent, step-parent, carer, aunty, uncle, grandparent or even godparent. And, while money won’t be the be all and end all when […]

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Downsizing should be a choice, not a wealth strategy

Published: February 26, 2018

Downsizing to a coastal town or regional hub can hold lifestyle appeal, but don’t bank on it as a strategy to fund your retirement. For many empty nesters, who may not have had the benefit of employer-paid super throughout their working life, the value of the family home can be seen as the jewel in […]

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Understanding different types of retirement pensions

Published: February 22, 2018

We explain the difference between the government’s Age Pension, a transition to retirement pension, and an account-based pension. If you’ve heard the term ‘pension’ being thrown around, you may have picked up that there are many types of pensions available in Australia. We explain the difference between three commonly used pensions, including the government’s Age […]

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The pros and cons of investment bonds

Published: February 16, 2018

Also called insurance or growth bonds, investment bonds can be a tax-effective way to save for something big. If you’re saving for a particular goal, looking for an alternative to super, or want to ensure those who matter most are taken care of after you’re gone, investment bonds, (also known as insurance or growth bonds) […]

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Bitcoin – is it really for you?

Published: February 1, 2018

Some people may have made big money, but plenty of latecomers would have experienced dreadful losses. If I could sum up the contents of my junk emails over the last 12 months in a single word it would be: Bitcoin. I can’t tell you how many unsolicited invitations I’ve received to start trading bitcoin. This […]

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New legislation aims to benefit first home buyers and downsizers

Published: January 25, 2018

Changes aimed at improving  housing affordability have passed through parliament. See what the new rules could mean for you. Government proposals around improving housing affordability in Australia were passed through parliament on 7 December 20171. As part of the changes, first home buyers will be given a tax concession through the ability to save for a […]

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