What is equity and how can I use it to invest?
Whether you’re looking to invest in property, renovate or pay off something big, borrowing against the equity in your home may be helpful, if you’re across the risks. The equity in your …
Concept Financial Group
Should you use property to fund your retirement?
Superannuation, shares, property, cash, other investments; a dizzying number of options are available when it comes to living comfortably through retirement. Financial advisers often promote a diversified portfolio to reduce the risk …
How does your pension live on after you die?
Account-based pensions offer a flexible and tax-effective method of drawing a regular income stream from superannuation. They are an essential part of your overall retirement strategy and are usually used from retirement …
Granny flat arrangements within the context of the gifting rules
Retirees wanting to downsize their home may consider the option of living in a granny flat, or an extension to / spare room of a relative or friend’s home. Money, the transfer …
Economic Update
Introduction Investors continued to focus on rampant inflation and, in turn, potential changes in monetary policy settings. By the end of January, five interest rate increases in the US had been priced …
Do you value your assets more than yourself?
Value is a funny thing. One person’s trash can be another person’s treasure, as the old saying goes. The value we place on something tends to be very individual, and is generally …
Constructing a retirement portfolio in a low return world
Portfolio construction is a much-used term that can be misunderstood. Fundamentally, the term portfolio construction refers to the process of selecting investments to create the optimal balance of risk and return. By …
5 money mistakes to avoid if you’re going guarantor
If you have a family member who wants to get into the market sooner than that, you may have discussed whether you’d be willing to speed up the process (if you’re in …
What happens to superannuation when you break up?
Depending on the situation, you might get some of your ex partner’s super, or they may get some of yours. See what you need to know. A divorce from your husband or …
Make it a goal to grow your super this year
There are a number of ways you can contribute more to your super, to take advantage of time and the magic of compound interest. These include salary sacrificing, and a range of …