Retirement Savings

Retire On Your Own Terms

Retire On Your Own Terms

Retirement should be the start of a new chapter in your life – perhaps the most exciting of all. The big question, of course, is how you pay for it without a regular pay cheque. A simple way to think about retirement income is by splitting your needs into two parts:

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6 tips for retiring earlier

6 tips for retiring earlier

Are you dreaming about an earlier retirement, but unsure how to go about it? According to the Australian Bureau of Statistics, 40 per cent of Aussie men and 35 per cent of Aussie women are planning to work past age 70 because they are worried about their ‘financial security’ in retirement.

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Funding retirement income in a low interest rate environment

Funding retirement income in a low interest rate environment

While a traditional bank deposit is generally regarded as one of the safest forms of investment, it also currently offers amongst the lowest returns. For those relying on bank deposits to fund their retirement income, the current record low interest rate environment offers little reward.

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Don't be driven by short-term sentiment and emotion

Don't be driven by short-term sentiment and emotion

Arguably, the most common fear holding an investor back from achieving a great return is a misunderstanding of what happens when markets fall (as they invariably do). In order to use fear to our advantage, we would be well served to seek to understand the following three principles around shares and their value ...

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Ways to manage your debt leading up to and during your retirement

Ways to manage your debt leading up to and during your retirement

While most Aussies had planned to retire at age 65, the reality is that around a quarter of us are expecting to delay our retirement. The most recent Retirement and Retirement Intentions survey data released by ABS in 2015 found the number of people aged 45 and over who intend to retire later than age 65 is 23%, compared to only 8% of people surveyed in 2004-051.

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Super reforms explained

Super reforms explained

If you are waiting for the superannuation reforms announced in the Budget to pass Parliament before working out what they mean to you, you might miss out on any opportunities available.

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( Posted in: SMSF )

Boost Your Super in 3 easy steps

Boost Your Super in 3 easy steps

Want to see your super grow faster? Here’s how you can — by choosing what happens to compulsory contributions from your employer. Make the super payments from your employer go further by choosing an investment strategy that suits your stage of life and retirement goals.

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Government pulls back on proposed changes to super

Government pulls back on proposed changes to super

The government has announced changes to three key 2016 Federal Budget proposals—the most significant being that it would not go forward with its proposal to introduce a $500,000 lifetime cap on non-concessional (after-tax) super contributions.

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