How salary sacrificing into super could work for you 1

How salary sacrificing into super could work for you

An effective way of building your super savings (and potentially reducing your taxable income) is through salary sacrificing – that is, asking your employer to put some of your before-tax income directly into your super fund. The amount you salary sacrifice is on top of the Super Guarantee (SG) contributions … Read more

Supporting your kids, without sacrificing your own retirement 4

Supporting your kids, without sacrificing your own retirement

In the past, wealth was often passed on through an inheritance. But with our longer lifespans, and the higher cost of living (especially housing), the desire to help our kids while we’re alive and well is increasing. If your children are young, you may have twenty or thirty years to … Read more

How much can you confidently spend in retirement? 5

How much can you confidently spend in retirement?

So much happiness in retirement comes from peace of mind, not money. Of course, the two are intertwined. Understanding your monthly budget, whatever it is, and not worrying about running out of cash in retirement, enables peace of mind. But the academic research throws in plenty of other factors – … Read more

How to save for retirement in your 60s 6

How to save for retirement in your 60s

Your 60s are the time in which you’re most likely to retire – according to the Australian Bureau of Statistics, of the Aussies who are planning their retirement, the average age they intend to retire is 65.5 years. But just because you’re getting close to retirement age, doesn’t mean you … Read more

Your investment options and strategy 7

Your investment options and strategy

Building your wealth for the long term starts with a sound investment strategy. But with so many options outside your superannuation fund – from bonds to managed funds – where might you begin? Almost every type of investment come with risk Investments can help grow your money. However, there’s not … Read more

How to save for retirement in your 50s 8

How to save for retirement in your 50s

For many people, your 50s are your golden years, a time when you may be at the pinnacle of your career and some of the big expenses you needed in your 20s, 30s and 40s have levelled out. But, while it may be easy to slip into a comfortable pattern … Read more

How to make a financial plan 9

How to make a financial plan

A financial plan can help you build wealth over time, aiding the protection of your financial future. If that sounds like a good idea, it could be good to find a trusted financial adviser who can help you on this journey. Australians are increasingly recognising the value of financial advice … Read more

Rethinking retirement 10

Rethinking retirement

If you were working towards a retirement date and Coronavirus has meant a change of plans, it can be hard to move the goal posts. Could you gradually reduce your hours to make stretching out your years at work more do-able? If your work is stressful, consider whether you could … Read more

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