Keeping Personal Insurance Costs Down

Keeping Personal Insurance Costs Down

Young families are the people most pressured by high interest rates and the recent big increases in mortgage payments. Raising rates is one of the few levers the RBA can pull to control inflation, and it has an uneven effect across the population. Young families are...
Funding the Major Expenses of Children

Funding the Major Expenses of Children

Raising children is costly with many not becoming fully financially self-supporting until age twenty-five or later. It’s an expensive business with the costs starting small and increasing as the children age. There are school fees, sports participation costs,...
Pre-retirement Pension Opportunities

Pre-retirement Pension Opportunities

Pre-retirement pensions are available from age sixty but aren’t widely used as most people don’t need the income they provide while still working. However these pensions offer quite a range of opportunities. People who are fully retired can use their superannuation to...
Investment Outlook Sound

Investment Outlook Sound

As discussed previously, returns from most investments, superannuation and managed funds were quite good for the last financial year. Australian and international shares, property and infrastructure all did well. Values continued to rise in July. The outlook is never...
Questions Over Super Fund Values

Questions Over Super Fund Values

In April this column wrote about doubts over the accuracy of the valuations of some super fund investments, and so members accounts. Back then the Australian Prudential Regulatory Authority (APRA) had concerns that some funds may be overvaluing their unlisted assets...