Where does all my money go? Save money on your three biggest expenses
The three biggest drains on our money are paying for housing, food and transport. Explore some ways of how to save on these items.
The opportunities in energy transition
After the wild ride experienced by investors in 2022, Perpetual's Deputy Head of Equities, Anthony Aboud is seeing opportunities in high quality companies which have traditionally been classified as growth stocks. He also notes the decarbonisation trend as a key investment thesis for 2023 and beyond.
What causes market movements?
When the news is filled with headlines about market movements, it’s normal to feel a bit anxious. Here are three things to keep in mind the next time share markets aren't behaving the way you'd like them to.
Credit risk in focus amid bank tumult
The ongoing bank tumult on both sides of the Atlantic has reinforced a tightening of financial conditions, making credit risk reappear across the board.
Expanding SMSFs for the expanding family?
It has finally happened. Recommended by the Cooper Super System review in 2010, put forward in the Federal Budget four years ago by then Treasurer Scott Morrison and finally passed on 17 June 2021, the maximum amount of members allowed in a Self Managed Super Fund (SMSF) has expanded from four to six.
Economic Update May 2023
Investment markets were relatively calm in April, following a period of heightened volatility in March when banking failures in the US and Europe had shaken confidence.
Federal Budget Overview 2023
The second Budget of the Albanese Government aims to hold the line on fiscal discipline while acknowledging the pain that many Australian households now face with the mounting cost of living pressures.
Downsizing your home? Understanding the downsizer contribution
Downsizing the family home is often part of the longer-term financial plans for many older Australians. But did you know that you could consider investing the proceeds of the sale of your family home to your super
Economic and market overview - Nov 2022
Pleasingly, global share markets fared well in October and recovered most of their lost ground from September. Locally, the S&P/ASX 200 Index re- turned 6.0%.
The sharp reversal in sentiment was typical of this year; market volatility has picked up meaningfully over the past few months, resulting in substantial swings in equity prices.
Impacts from Falling Home Prices: The Wealth Effect
The impacts of interest rate hikes on consumers are well known; higher interest means that mortgage debt servicing costs will go up which is negative for consumer spending.
3 things to consider if your Super balance falls
From time to time, market movements may cause your super balance to fall. While this can be alarming, you'll find that it usually recovers in due course. However, if you feel like you need to make some adjustments to your super, here are three things to think about first.
How old is too old for insurance?
As you age and your health starts to deteriorate, having a financial safety net and protecting your nearest and dearest may become even more important.
Alternative Thinking: Diversifying Beyond Traditional Asset Classes
Institutional investors, such as superannuation funds and endowments have been investing in alternatives for many years and it is a rapidly growing asset class in the global investing landscape. Individual investors are now looking to alternative asset classes to help diversify their portfolios and improve the probability of meeting their long-term objectives.
2022 October Budget Summary
Against a backdrop of uncontrollable global turmoil – from a pandemic to natural disasters, war, an energy crisis and inflationary pressure - it’s clear the Federal Government has put the focus on everyday Australians in this budget. Treasurer Jim Chalmers outlined his five-point plan to ease the cost of living – cheaper childcare, paid parental leave, cheaper medicine, housing affordability and wage growth.
How to save for retirement in your 40s
Retirement can start to feel closer when you’re in your 40s. Fortunately, there’s still plenty of time to make decisions that could have a positive impact on your future financial wellbeing. Find out how.
What are some investment options outside of super
Super is a longer-term investment designed to fund your retirement. While it’s a popular option for many, there are also a number of investment options outside of super to consider. Here’s what you need to know.
What you should know about creating your will and estate plan
If you have people in life you love and want to protect, an estate plan makes good sense. Find out what’s involved.
Relationship break-up entitlements when you're in a de facto
If you’ve recently split from your partner or are wondering who'll get the home or the car if you do, in this article we address some of the key issues and concerns.
Get Your Business Records Ready for Your Tax Return 2022
Organising your end-of-financial year documents now means you can get your tax completed earlier and maximise your return. Book a your tax return appointment now and rest easy knowing it’s under control.
Tax Tips for Individuals 2022
Are you making the most of allowable tax deductions? Individuals can claim for general work-related expenses as well as occupation-specific expenses and working from home. Book a time to prepare for your 2022 tax. We’ll help maximise your return.