August 2, 2017

Smart ways to stretch retirement money

Just think that in early June 2008, the Reserve Bank’s cash rate stood at 7.25 per cent. Now fast forward nine years to early June 2017 and Australia’s current cash rate is 1.5 per cent. And just think of the impact of falling interest rates on the many retirees who may have become accustomed before the GFC aftermath to financing their retirement from the interest and yields generated by their portfolios. Numerous retirees – as well as the swelling numbers of investors on the eve of retirement – are still struggling to adjust their expectations and practices for a low-interest […]
July 26, 2017

New financial year strategies and resolutions

A smart way to begin the new financial year is to make sure your personal finances are in the best possible shape for 2017-18 and beyond. Ideally, your new year personal financial strategies and resolutions should include your super and non-super investment portfolios, retirement-saving strategies and, critically, your personal debt control. With personal finances, it is often a matter of resolving to improve your position and then setting strategies in place to achieve your objectives. And a new financial year can act as a useful psychological prompt to act. Here are a few pointers for 2017-18: Understand how super changes […]
July 26, 2017

Don’t lose sleep over the uncontrollable

Tumultuous, volatile and uncertain. These are a few words (albeit extreme ones) an investor might choose to describe the first half of 2017. We’ve seen a political outsider sworn into the White House, central banks tentatively emerging from years of stimulus and low interest rates, tense elections in France and the UK, and a watching brief on China as its economic growth engine manages to keep ticking over. There has certainly been no shortage of news to keep investors awake at night, not to mention jumpy during the day. Even the experts–self-proclaimed and actual–struggle to agree on what is important. […]