Whether you’re planning for your child’s education, saving for their first home, or giving them a financial head start, investment bonds can be a smart, tax-effective way to build wealth in their name — without the complexity of trusts or superannuation. More Australian parents and grandparents are turning to investment bonds for children because they […]
07
Nov
Nov
Self-managed super funds (SMSFs) give you greater control over your retirement savings, but that freedom comes with added costs, responsibilities, and time. So, is an SMSF really worth it for your financial future? A self-managed super fund is a private superannuation fund that you manage yourself, usually with up to six fund members. Unlike retail […]
20
May
May
Dividend investing continues to be a popular strategy among Australian investors, particularly those looking for a reliable income stream and steady wealth accumulation. As 2025 unfolds, high-yielding dividend stocks on the ASX remain a cornerstone of many portfolios. This guide explores what dividend stocks are, how to select the best options, and which companies stand […]
20
May
May
Planning for retirement can be daunting, but understanding your income streams and strategies can make the transition smoother. This blog will explore the main retirement income streams, why having a strategy is crucial, and how to maximise your retirement income. What are the main retirement income streams? Retirement income can come from various sources. Some […]
05
Nov
Nov
When it comes to investing, two of the most popular options that frequently come up are shares (stocks) and property (real estate). Both offer unique benefits and risks, making the decision of where to place your money not always straightforward. With so many factors at play—financial goals, risk tolerance, investment timeline, market conditions, and personal […]
01
Oct
Oct
Retirement planning is crucial for ensuring a secure and comfortable future. It helps you manage your finances, maintain your lifestyle, and achieve your retirement goals. Without a solid plan, you might face financial uncertainty and stress during your retirement years. Several factors uniquely shape retirement planning in Australia: Purpose of This Guide This guide is […]
01
Oct
Oct
Inflation is the gradual rise in prices for goods and services, which decreases the purchasing power of money. For retirees, this means that their fixed incomes, such as pensions or savings, will buy less over time as prices increase. This can lead to a reduced standard of living, especially since costs like healthcare often rise […]
Blog, Super, Pension, & Retirement
Retiring with Mortgage Debt: Strategies and Considerations for Australians
01
Oct
Oct
Research from the Australian Bureau of Statistics shows a significant shift in homeownership patterns among Australians approaching retirement. Between 1990 and 2015, the percentage of 55-64-year-olds who owned their homes outright dropped from 70% to 47%. At the same time, the proportion of those with mortgage debt increased from 12% to 31%, with the remainder […]