Account-based pensions, sometimes called allocated pensions or retirement income streams, can be a great way to use your superannuation savings to create a retirement income. If you’re a novice when it comes to these products, you might want to get a quick run-down on the basics. Once you’ve...
Small business loans can be great when you need to get your brand up and running or cover unexpected expenses. However, it’s useful to understand the difference between the available options before committing to one. To help you make the right choice, here’s what you need...
With property markets taking a tumble in recent times, some SMSF clients may need to review the loan arrangements and guarantees they have, particularly where the loan-to-value ratio has significantly dropped, says an industry lawyer.
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Starting an investment portfolio can feel intimidating. Most of us weren’t raised to feel comfortable with investing. Add to that memories of the stock market meltdown during the GFC, the indecipherable lingo and complicated products and it feels like a gamble where you stand to...
Emergency funds are easy to neglect, and even easier to dip into at times that you probably shouldn’t. While talking about them isn’t the sexiest convo to have, they’re important – so let’s chat. Whether you’re money conscious or not, unexpected expenses occur and certainly don’t...
According to recent findings, three out of five Aussie customers are not receiving any financial benefits from having a credit card. It's long been suspected that for many people, the humble credit card is a pretty poor financial product, which can end up costing far more...
The latest SMSF Benchmark Report from Class indicates that there is a continuing trend towards younger age groups setting up SMSFs, which follows similar findings from recent ATO statistics. In its latest SMSF Benchmark Report for the March quarter, SMSF software company Class analysed 26,100 funds...
Some people are born knowing what they want to do with their life, but for the rest of us it’s a constant game of trial and error. Along the way we get a lot of input from teachers, friends and parents about what we could –...
You no doubt already know that not all superannuation funds are created equal, but you might still be surprised to find out just how badly the wrong fund can impact your retirement income prospects. In fact, over a working life, the difference between being in a...
Whatever your business needs, a finance broker can help you get approval for the most appropriate and cost-effective solution. Small business owners who need money to expand, invest in new equipment or smooth out their cash flow often head straight for the bank. However, just as...
He is also an accomplished presenter and educator
Co-authoring the popular investment book, Property vs Shares.