What exactly is this thing called After pay? Why is everyone getting it, and why are we banging on about NOT getting it?

Many of us have done a layby or two in our time. This ‘version’ however is looked at very differently in the home loan space. This is a ‘ta...

April 23, 2019

We've all heard, and many of us experienced, how difficult it can be to save up for a home deposit. Not only does it require a lot of patience and diligence from a cash flow perspective, but at the same time home prices increased significantly in recent years...

April 9, 2019

At some stage this is a question we tackle with all our clients, and the answer is always different. The four biggest questions and discussions that need to be addressed are: 

  1. When do you want to retire? 

  2. What lifestyle do you want? 

  3. What Gove...

March 13, 2019

We've all heard the saying "Cash is king". Although this is true for many business applications, it's not always the case when it comes to investing. In fact, holding a significant amount of cash in your portfolio can be detrimental to your wealth over the lo...

March 4, 2019

Many of us have probably had a similar experience. You spend hours drawing up the perfect budget, neatly fitting in all your expenses, and maybe even squeezing in some savings to go towards something you’ve always wanted to buy or do. 

All seems well for the f...

February 25, 2019

Not a week goes by where we aren’t asked about our views on the book Barefoot Investor. I personally have only read snippets of the book, so I won’t comment on the specifics of his advice and product recommendations (which I am certain he caveats with a ‘gene...

February 18, 2019

Rather than go into a complex explanation about what a franking credit is, perhaps it’s best to focus on whether Labor’s plans to axe franking credit refunds will affect you. 

Just to clarify, the concept of dividend imputation isn’t going to be abolished. Lab...

December 11, 2018

If you are leaving your employer due to redundancy, you have a great opportunity to make a fresh start.

Now could be the best time for you to think about a career change, become self-employed or consider retiring if you are close to retirement. But regardless...

November 13, 2018

Over short periods investments may not perform well, but generate significant returns over longer terms. What is this relationship between time and growth?

November 12, 2018

For years now there has been debate over a suitable balance to commence a self managed super fund (SMSF). Most articles you read state that somewhere between $250,000 and $300,000 is about where it becomes cost-effective. This works on approximately 1% per an...

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