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MoneyLink Articles

property loans

So the big question is… will the returns be high enough? There’s no simple answer, but we’ll give it a go. Income returns from residential property are typically 2 to 4% p.a., income being the net rental income (after rates, insurance, R&M, agents fees, vacancy etc.) on the value of the property. So these returns…

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sharemarket financial planner

A crash course for beginners… Ahhh, we’ve all heard the share success stories. You know someone who knows someone who knows someone who bought shares in a little pharmaceutical start up and now they’re rich.  Well, it’s almost never that simple. So here’s the nuts and bolts of share trading When you buy shares, you…

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The new CentreLink Assets

The new Centrelink Assets Test is a disaster… Our total income has halved. Our income now is much less than what pensioners who have saved nothing get. What can I do about it? The new Centrelink Assets Test requires pensioners to earn 7.8% per annum income from their savings just to replace the pension they…

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transition to retirement

When you’re not quite ready to retire… The good news is you can keep working while drawing down some of your super benefits. This is known as transition to retirement (TTR) and it allows you to supplement your salary and maintain your lifestyle while reducing your work hours, or salary sacrificing into super to save…

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Financial Advice

sandwich generation noun 1. a generation of people responsible both for bringing up their own children and for the care of their ageing parents. Put your own well-being first Are you approaching retirement, with both elderly parents and dependent children? You may be feeling financial pressure. Or you’re time-poor and stressed. It’s vital to put…

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retirement age financial planning

Approaching retirement age is an exciting time. After years of work and family commitments, the opportunity to spend more time doing the things you enjoy is simply thrilling. However, while this can be deeply satisfying, it can also result in new and unique fears. Retiring in our current economic state can be deeply challenging for…

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how financially fit are you

When was the last time your finances had a health check? Many people aren’t sure how healthy their finances are. We visit health care professionals when we are unwell, but the reality is, most people aren’t motivated to keep a regular watch on their money like they are with their physical well-being, which can have…

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family finances

Are your family finances a battleground? You may as well send out invitations that read ‘welcome to the show’. The battlefield where good and bad financial habits collide, goals differ and different spending and savings habits meet, leads us down a messy, and frustrating path. And according to a new study, the new top reason…

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financial priorities

So you’ve got the job, the partner, maybe even the kids… it’s probably time to do the adult thing, live the dream and buy your own home. But will you have to give up that gym membership? The takeaway on a Friday night? The latte you desperately need every morning? With the cost of buying…

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