MoneyLink Articles

retirement savings

When is the best time to retire? The new national asset test could mean the best thing to do is finish up working sooner, rather than later.

Money Matters Monday 20th November 2017

The biggest changes to the superannuation rules for many years came into force on 1st July. What have the effects been and what should investors be doing as a consequence?

Asia is Setting the Pace

Asia is the world’s growth driver and investors cannot afford to miss it. So said Platinum Asset Management’s founder and CEO Kerr Neilson at an Asia Development Congress in Shanghai recently.

retirement financial planning

What type of fund are you in? Growth, conservative, balanced, shares, cash? It’s important to know. Is it the best fund for you? Have you completed a risk profile? Are you a cautious person or a growth seeker? Once you know, you can select and switch to funds that suit your approach. The higher volatility…

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…

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…

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…

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…

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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