by melissa | Oct 4, 2018 | Be debt free, Buy an investment property, Care for others, Financial independence, Home and family, Protect my lifestyle, Retire Right
Giving to others As Christmas approaches, many people’s minds turn to the needs of those who have to make do with less at this time of year. This can be a good time to make tax deductible donations to a charity. Whether charitable giving is already part of your...
by melissa | Oct 4, 2018 | Be debt free, Care for others, Home and family, Uncategorized
Child care subsidy might save you money The new Child Care Subsidy which replaces the Child Care Benefit and Child Care Rebate on 1 July 2018, will be the most important issue to working families in Australia over the next six months. The change has come about largely...
by melissa | Oct 4, 2018 | Retire Right
Will you downsize your home? When the kids move out or the yard gets too big to manage, your thoughts might turn to downsizing your family home for a townhouse or apartment. A lock up and leave lifestyle is also appealing to many in retirement. Now there is added...
by melissa | Oct 4, 2018 | Retire Right
If you are a member of the Public Sector Superannuation Scheme (PSS), you may be entitled to generous benefits when you retire or take a Voluntary Redundancy (VR). Generally you have the option of taking a full pension, part pension, or full lump sum for your PSS...
by melissa | Oct 2, 2018 | Financial independence, Retire Right
Why cash investments don’t equal certainty Conventional wisdom promotes ‘cash under the mattress’ as a secure and reliable strategy. However, cash can actually be one of the least stable long-term sources of retirement income. If your main goal is investing for...
by melissa | Oct 2, 2018 | Financial independence, Retire Right
Bucket approach to investing When we establish an investment portfolio for our clients, we look at strategies for the immediate future. We also look at strategies that can support you over the next few years and strategies for the longer term. We think of these as our...
by melissa | Oct 2, 2018 | Be debt free, Buy an investment property, Financial independence, Home and family, Protect my lifestyle, Retire Right
Household spending now exceeds earnings You may have read in the news this week that households are now spending more than they are earning. The household saving ratio which is the ratio of households’ net saving to disposable income — has been shrinking since...
by melissa | Jul 19, 2018 | Uncategorized
Will your PSS benefit be affected by the super changes? Many public servants have asked us whether the changes announced in the 2016 Federal Budget will affect their PSS benefit. The answer is almost always ‘it depends’. We’ve noted some of the changes below and our...
by melissa | Jun 19, 2018 | Retire Right
Summary of the 2016 Federal Budget super changes This is a brief summary of the key announcements and how they may affect your retirement nestegg. We have also included information on the changes that apply to unfunded defined benefit schemes (such as the PSS). This...
