25 Jul

Posted at 19:47h in Forecasting Trends

[vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="grid" angled_section="no" text_align="left" background_image_as_pattern="without_pattern" z_index=""][vc_column][vc_column_text]Is paying your mortgage off quicker really the best option? Not so long ago one of the most effective, low risk wealth creation strategies was to use spare savings to pay down a mortgage, either directly or via the well-disciplined use of an offset account. If your mortgage interest rate was 8% per annum, that’s the effective, after tax investment return this strategy delivered, substantially reducing the term of the loan and delivering big savings on interest.  But what about now? With home loans being offered at interest rates of less than 4% pa,...

25 Jul

Posted at 19:08h in Forecasting Trends

[vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="grid" angled_section="no" text_align="left" background_image_as_pattern="without_pattern" z_index=""][vc_column][vc_column_text]Life can change in an instant Paul T was a fit and active 45-year-old who drowned while swimming in the surf on a family holiday. Witnessing this tragic event unfold from the beach were Paul’s wife, Sue, their 15-year-old daughter Sophie and 12-year-old son Zac. Relatives and friends were a great support during the following days, but soon after the funeral, and still, in a state of profound grief, Sue had to assess the state of the family finances. Until that point in time, she was unaware they were amongst the 95% of Australian...

29 May

Posted at 10:50h in Case Study

[vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="grid" angled_section="no" text_align="left" background_image_as_pattern="without_pattern" z_index=""][vc_column width="1/4"][vc_column_text] A Case Study [/vc_column_text][vc_separator css_animation="fadeInLeft" type="small" position="left" width_in_percentages="yes" color="#8dc73d" thickness="4px" width="20" up="10px"][/vc_column][vc_column width="3/4"][vc_column_text]Tony and Susan were both retired and were drawing down from their superannuation pension accounts for their daily expenses. They had worked hard over the years and had significant superannuation balances. Both believed in getting expert advice. They had been using a financial planner and paying him an ongoing fee for his services.[/vc_column_text][/vc_column][/vc_row][vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="grid" angled_section="no" text_align="left" background_image_as_pattern="without_pattern" css=".vc_custom_1592566773643{padding-top: 75px !important;padding-bottom: 75px !important;}" z_index=""][vc_column][vc_column_text] The trouble was that neither Tony or Susan had heard from their financial planner for...