News & views

Explore our latest blog articles, newsletters, videos and more. We add a new blog article to this page every week, and you can subscribe below for notifications. If you have a topic you would like to read about in one of our future articles, please get in touch and let us know.

Filter by

Category










Author











The RBA increased rates by a further 0.25% on 1 November 2022, thereby, taking the cash rate to 2.85%. It has increased rates by 2.75% since May this year, from the historical low of 0.10%. However, it is signalling there may be further rate increases ahead.
It’s tough coming up with some interesting and witty dialogue for this year’s mini federal budget, when it’s exactly that, mini. There are not a lot of maximums on offer for any demographic, although the growing spending on NDIS and Defence are certainly not ‘mini’. Parents may benefit from increased spending in Childcare and more self funded retirees will be able to get the Commonwealth Seniors Health Care Card, thanks to increased income test thresholds (now legislated on Oct 28th, 2022).
Financial Planning Week is an opportunity each year for the community to understand a little more about what a professional financial planner does, and what benefits they can provide. Here at Goldsborough, we have a 30-year history of providing quality advice, service and support to many thousands of clients over that journey. Many have been clients for well over 10 years for some of the reasons that recent research(1) conducted by the Financial Planning Association confirmed.
During times of volatility, some investors can be spooked and question their long-term investment strategies. Some, may find the worry too much and feel the best thing to do is pull out of the market entirely and wait on the sidelines until they feel safe to move back in. Often the emotive decision, ends up being the wrong move long-term. With any market fall, it’s human nature that the experience of a loss is more acutely felt than the joy of a gain (‘loss aversion’). A degree of volatility in the market will always be a constant; therefore, it is important for investors to keep perspective and be disciplined in their investment approaches. Below is an outline of the long-term fundamentals to bear in mind.
Once thought of as an ‘end goal,’ retirement for many Australians now represents a new beginning – a time to learn, grow and explore. Life expectancies are on the rise and medical advances have improved our general health, giving people more time to thrive in their later years. Another game changer has been our superannuation system, which turns 30 this year. With three-decades worth of superannuation savings, many Australians aged in their 50s and 60s have accumulated meaningful amounts of money in super.
For advisers, having accurate information is vital to providing good advice. Your adviser may ask you to provide details of any previous super contributions you’ve made, before they can make any recommendations to add more. The easiest way to find this information out is through the ATO service on your myGov portal. You can usually gain access to this information in a few quick steps.
The changes in the Financial Services industry in recent years have completely redefined the advice process and the advisers that provide it. The latest figures* show that of the top 16 adviser licencee groups nationally, only 4 had a net positive influx of advisers in the past 2 years. Those 4 groups cumulatively attracted just 66 advisers, while the other 12 groups cumulatively lost 2,966 financial advisers.

Get in touch

This field is for validation purposes and should be left unchanged.

Latest insights

If you or someone you know is going through a significant workplace change such as a merger or corporate change, call us. The highest profile change locally is the Adelaide Uni merger and there are plenty of others on the go.
While most Australians are limited to a concessional contributions cap of $30,000 per year (for 2025-26), Super SA's Triple S scheme operates under different rules. Those rules can open the door to significant tax savings and a much faster path to financial independence, if you know how to use them. For those over age 60, the planning opportunity becomes even more powerful when combined with a Transition to Retirement (TTR) strategy.