On Tuesday night, the 2017-2018 Federal Budget was released. It included a number of measures that the government hopes will address the issue of housing affordability. One of the measures that sparked the most interest from the media was in relation to the ‘First-Home Super Saver Scheme’ allowing first-home buyers to receive early access to […]

The Australian apartment market has been the subject of much speculation recently. Questions of oversupply have hung over the market as the number of under construction apartments has rocketed. This oversupply potentially paints a negative outlook for property developers, with oversupplied markets tending to experience falling prices and profits. Rolling twelve months commencements excluding houses Source: […]

Yesterday Scott Morrison, the Federal Treasurer, announced changes to 2016 Budget super reforms – thus confirming which of the proposed Superannuation measures, announced in the May Federal Budget will be put to the Senate, along with those that have changed and lastly which ones have been abandoned – and the results are generally regarded as […]

Insurance is used as a funding solution for several different aspects of business continuity and succession planning. This article looks at the intent behind each type of cover and the structures possible. Several ways insurance is used as a funding solution for different aspects of business continuity and succession include: Business succession planning (eg through […]

Retirement is a time to enjoy the fruits of your many year’s of labour, not a time to scrimp and save. You need to make sure you have enough personal savings and in your superannuation to make your retirement a comfortable one. At this stage of life, you shouldn’t have children to worry about, may […]

Australia’s retirement income policies comprise 3 components: The Age Pension; Compulsory Superannuation and Voluntary Retirement Savings. The Age Pension The age pension is means tested for recipients under both an income and assets test but only represents approx. 27% of average earnings and is therefore viewed by many as a low-income safety net. The greater […]

The sharemarket gives individuals the opportunity to buy and sell shares and gives companies the opportunity to raise funds via share issues to investors. A quality sharemarket investment can lead to both capital growth and income over time. Historically, shares have outperformed all other asset classes (cash, fixed interest and property). What is a share? […]

The year has all but come to an end and the lazy afternoons of summer holidays are calling. But it can be hard to put your feet up if your financial affairs aren’t in order, or if you know that there are matters that still need your attention. To help you address this and ensure […]

Gearing is simply another term for borrowing to invest. While we may not enjoy being in debt, not all debt is bad. In fact, it can be a powerful tool used to build wealth and to enhance your investment performance. Many of us have borrowed at one time or another for our larger purchases, like […]

When drafting a will, important consideration needs to be given to who to appoint as Executor or Executors. An Executor’s role is to stand in place of the deceased and they are responsible for the administration of their Estate. Put simply, this means making sure that debts are paid and the assets and possessions are […]