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Investment markets, Lifestyle, Pre-retirees, Retirees

How to get extra money into super if you’re selling a business

Once owners of a small business decide it’s time to sell, knowing the rules around capital gains tax (CGT) may mean no tax on the sale and getting more money into super – potentially up to $1.705 million (the CGT Cap) – even if they’ve already reached the $1.9 million total super balance (TSB).
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Investment markets, Pre-retirees, Retirees

Bitcoin ETF’s

The recent approval of the first-ever spot Bitcoin ETFs by the SEC in America has sparked excitement and speculation. A spot Bitcoin ETF is a mechanism that allows investors to gain exposure to Bitcoin through the stock exchange which eliminates the need of investors having to buy actual Bitcoin through an exchange and storing and securing it in a wallet. With the approval of spot Bitcoin ETFs, Bitcoin exposure becomes more accessible to retail investors.
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Age pension, Budgeting, Government benefits, Investment markets, Lifestyle, Pre-retirees, Retirees

Financial Planning for couples – greater than the sum of two parts

Do you have a partner in life? Are they on the same page as you financially? Do you like having a separate bank account just for you, or does everything go into a big melting pot? Great financial planning should consider the nuance of how money works within different relationships. Many couples have separate finances but still want to plan for a successful financial future together.
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Age pension, Government benefits, Lifestyle, Pre-retirees, Retirees

Dealing with market volatility

Whilst there is often no single cause for market volatility, there are some conditions that can lead to it. In recent times, we have seen concerns about when interest rates and inflation, the perception of a housing market bubble, and instability in global affairs affect the ability of investors to obtain a reliable picture of the future. While these kinds of stories are not new and may not have triggered the recent stock market fall, they are some of the forces at play in the current market turmoil.
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Age pension, Aged care, Budgeting, Government benefits, Investment markets, Lifestyle, Pre-retirees, Retirees

Centrelink Concession Card eligibility

The type of concession card you may be eligible for is based on your age and circumstances. A Pensioner Concession Card (PCC) is issued to pensioners, a Low Income Health Care Card (LIHCC), is issued to someone on lower income, regardless of their age, and a Commonwealth Seniors health Card (CSHC), is available to someone who is above age pension age and doesn’t qualify for any social security payment.
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Budgeting, Lifestyle, Pre-retirees, Retirees

Challenging times..

The last 3 years in markets have been a challenging time, first came COVID and then the Russian invasion of Ukraine, it’s hard to see the light at the end of the tunnel. Household consumption is the primary force behind economic growth and it’s been experiencing a difficult combination of soaring mortgage rates, increased living expenses and persistent inflation. Together, these things are causing a decrease in disposable income. These strains are likely to persist for a while yet and are causing the short-term fluctuations you might be seeing in your portfolios, depending on your level of share exposure.
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Budgeting, Government benefits, Investment markets, Lifestyle, Pre-retirees, Retirees

Has the Reserve Bank of Australia finished the rate increases yet?

At its October meeting, the Reserve Bank of Australia (RBA) left the cash rate on hold for the fourth meeting in a row at 4.1%. The pause in interest rates over the last four months comes after the biggest interest rate increase cycle (400 basis points over 14 months) since the late 1980s. The rate increases since April last year mean that a variable rate borrower with a $600,000 mortgage will have seen around $1,300 a month added to their mortgage payments. That’s $15,600 a year!
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Latest insights

25 June 2025
elephant in the server room

Our AI Revolution

Will Chapman
Australia’s largest company by market capitalisation on the ASX is CBA and with a P/E ratio of over 30 times, the CEO Matt Comyn has a hard job ahead of him to meet the lofty expectations of the investor masses and keep profitability growing at record levels, particularly when the closest banking competitors have P/E’s that are roughly half.
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18 June 2025

Maintaining Financial Independence in Relationships

Lachlan Harvey
When couples seek financial advice, a common concern stands out: how do I keep some financial independence without everything being bundled together? It’s a fair question, especially for those who’ve been through previous relationships, have children from earlier partnerships, or have dealt with messy property settlements
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17 June 2025

Mortgage or Super: Making an Informed Choice

Brenton Miegel
When it comes to financial planning, one of the most significant decisions Australian’s face is whether to pay off their mortgage or invest in their superannuation. Both options have their merits, and the best choice depends on individual circumstances, including age, income, and financial goals.
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