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Aged Care costs
Age pension, Aged care, Budgeting, Government benefits, Investment markets, Lifestyle, Pre-retirees, Retirees

Major Changes to Residential Aged Care from 1 July 2025

The Government introduced new Aged Care Legislation to Parliament last month which includes major changes to both Home Care and Residential Aged Care, including changes to fees and charges from 1 July 2025.
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portrait-senior-couple-holding-wineglasses-hand-looking-each-other-standing-kitchen
Budgeting, Government benefits, Investment markets, Lifestyle, Pre-retirees, Retirees

Navigating the emotional shift: From the comfort of work to the uncertainty of retirement

As we transition from the working world into retirement, our financial perspectives undergo significant shifts. While we’re working, we have the reassurance of regular pay. This allows us to plan, save for one-off costs, and even extend our retirement timeline if something goes wrong. However, once we retire, the flow of a salary stops and we often face anxiety over the pool of money for retirement not being enough. Understanding the cognitive biases that affect us during these stages can help manage these transitions more effectively.
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Age pension, Budgeting, Government benefits, Investment markets, Lifestyle, Pre-retirees, Retirees

Women are less confident investors .. but get better investment returns!

Humans are naturally overconfident. We overestimate our own ability compared to others. One of the most often quoted studies showed that 93% of drivers rated themselves better than the median. We also know that men usually rate themselves as better drivers than women. However, the data shows the opposite. Men are four times more likely to be involved in a fatal car accident. Men also pay more for car insurance.
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Aged Care costs
Age pension, Aged care, Budgeting, Government benefits, Investment markets, Lifestyle, Pre-retirees, Retirees

Aged Care fees could be changing..

A government task force looking into the aged care sector in Australia has recommended that those of us with the financial means should pay for our own living and accommodation costs. This would be a substantial change to what currently happens. Currently, the taxpayer covers most of the expenses for aged care – around 75% of residential care costs and 95% of in-home care costs.
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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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Latest insights

11 December 2024

The Growth of the Superannuation Sector

Brenton Miegel
Australia’s superannuation system has achieved significant growth, with assets increasing from $150 billion in 1992 to over $4 trillion today, and projections estimating it could reach $9 trillion by 2040. This growth has positioned the system as one of the largest pension pools globally. Over the past 20 years, regulatory efforts have encouraged consolidation, reducing the number of funds by 93%. This has led to the emergence of large-scale funds that now dominate the sector, controlling over half of its assets.
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28 November 2024

Fundamentals of Investing

Lachlan Harvey
Are your investments well diversified? Do they align with your personal risk profile? Do they cleverly optimise risk and return? Are you a believer that time in the market beats timing the market?
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