Investment Plan

Debt consolidation involves the refinancing of expensive personal and credit card debt with a more cost-effective home mortgage facility. This strategy is suitable for clients who have equity in their home but are paying off a mortgage and also have other debts such as personal loans or credit cards. Read More

Determining Your Appropriate Asset AllocationAscertaining your individual financial situation and goals is the first task in constructing a portfolio. Important items to consider are age and how much time you must grow your investments, as well as the amount of capital to invest and future income needs. An unmarried, 22-year-old college graduate just beginning his… Continue reading Creating Investment Portfolios Read More

Monitor your investments from time to time. Check to see if they are performing according to your goals. If not, re-evaluate your investments and determine where changes need to be made. Determine if you need to change your risk profile. As you get older, you will want to take less risk. Be sure to adjust… Continue reading Ongoing monitoring and due diligence Read More

Before embarking on your investment planning journey, you need to establish your investment goals and objectives. To be able to do this you will need to: Understand your current financial situation. Be aware of how much disposable income you have available to invest. Look at your budget and determine how much money is left over for investments following… Continue reading Establishing Investment Goals and Objectives Read More

Coming into your 60s and with retirement just around the corner, but are you prepared?  Here are some tips on how to make your move out of the workforce a smooth one.Your 60s are the time in which you’re most likely to retire – according to the Australian Bureau of Statistics, of the Aussies who… Continue reading Saving for your future in your 60s Read More

You may be thinking retirement may still be years away – but it could creep up on you. Find out how to boost your retirement savings and maximise your financial wellbeing, when you’re ready to ease out of the workforce or say goodbye to it completely. For many people, your 50s are your golden years, a… Continue reading Saving for your future in your 50s Read More

In your 40s retirement can start to feel a lot closer. The good news is, there’s still plenty of time to make decisions that could have an impact on your future financial wellbeing. Let’s start with the good news: studies show that your income peaks between the ages of 45 and 54. You’ll potentially have more… Continue reading Saving for your future in your 40s Read More

Some big life changes – and big expenses – can occur in your 30s. The key to maximising your retirement savings now is making savvy financial decisions.  To save for retirement in your 30s, you might need to adopt the principle of delayed gratification. That is, being aware of what you can comfortably borrow and payback,… Continue reading Saving for your future in your 30s Read More

The sooner you start planning for your future, the better. Developing healthy budgeting and savings habits in your 20s can help you now – and set you up for future financial wellbeing. If you’re in your 20s, chances are that life could feel like a bit of a rollercoaster right now. Learning to juggle competing financial… Continue reading Saving for your future in your 20s Read More