How much do I need in my emergency fund?
In these uncertain times, it pays to have money set aside to give you peace of mind that if your income drops, you still have ample funds to pay for your everyday …
Concept Financial Group
Economic update and market commentary
The Covid situation took a turn for the worse, as spiralling infections saw new lockdowns introduced in Australia. The government has suggested all restrictions can be lifted once 70% of the adult …
The future of international travel
In 2020, the ease in which we travelled overseas changed abruptly. And in the years to come, vaccinations, travel bubbles and testing are likely to become as routine as packing your passport …
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 …
Smart strategies for paying down debt
Being in debt can really wear you down, both financially and emotionally. Whether it’s a single large credit card balance or multiple loans, store and credit cards owing, getting clear of your …
Salary sacrificing into super – how it works
Salary sacrificing into super is where you choose to have some of your before-tax income paid into your super account by your employer. This is on top of what your employer might …
Managing the financial impacts of a mid-life crisis
For some, the thought of a mid-life crisis may bring to mind quirky Steve Carell comedies like Crazy Stupid Love or The 40-Year-Old Virgin. But if you or a loved one are actually going through …
Five things you and your partner should know about super
Money issues are often cited as the biggest causes of stress in a relationship. Yet despite their importance, a recent survey of Australian couples found that 43% hadn’t discussed how they’d share …
What is capital gains tax and when might I have to pay it?
Capital gains tax is charged on the profit you make from the sale of certain assets. These could be assets that you’ve purchased or inherited. To give you a few examples, capital …
How to invest for your children’s future
Every parent wants to give their child the best start in life, even if that sometimes means footing the bill well into adulthood. Fortunately, with good financial planning, you can set your …