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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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Age pension, Budgeting, Investment markets, Lifestyle, Pre-retirees, Retirees

It’s good news week

It feels like the investment world has been listening to the Hedgehoppers Anonymous 1965 song lately; where good news is bad and vice versa. One can be forgiven for having to ponder why investment markets have moved in unexpected directions this year. I’ve seen equities rise on news that we’re going into a recession and defensive investments being sold off because a recession isn’t happening quickly enough. Isn’t a recession bad? Don’t shares fall and bonds rise on bad news? Well, maybe, but it’s only part of the picture…
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Investment markets, Lifestyle, Pre-retirees

What is Division 293 tax .. and who pays it?

Division 293 tax is an additional tax on super contributions for higher-income earners. For first-time recipients of a Div. 293 notice from the ATO, it can come as a surprise. Super contributions such as employer contributions and salary sacrifice are taxed within your super fund at 15%. Introduced in July 2012, Div. 293 tax is an additional 15% tax for individuals with income greater than $250,000 a year. The tax is payable in addition to the standard 15% contributions tax and rather than being paid automatically by your super fund, most people learn of their Div 293 tax liability after receiving a bill from the ATO.
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Latest insights

30 April 2025
pre-retirement advice adelaide

Planning for Retirement: Why It’s Never Too Early to Start

Craig Kirkwood
As you approach retirement, it's natural to feel a mix of excitement and apprehension. After all, this is a significant life transition that requires careful planning and consideration. Here are some key points to keep in mind as you prepare for this new chapter, and why working with a financial planner can make all the difference.
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28 March 2025
Momir Vuksa

A Year of Financial Advising

Momir Vuksa
In 2023 after 8 years in the industry I embarked on the journey to become a registered Financial Adviser. Completing my professional year in early 2024 was a significant milestone, since then I've had the privilege of directly helping people from all walks of life in navigate the complexities of personal finance. The journey so far has been rewarding but not entirely what I expected it might be.
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