Insights

Understanding cash flow Understanding cash flow can be the difference between a solid long-term investment and a costly mistake, writes Michael Sloan. So do your

How much tax you pay on retirement income depends on your age and the type of income stream. For most people, an income stream from

Catch up on your super If you’ve had an irregular or interrupted income in the past, you might’ve missed out on opportunities to contribute to super.

Bucketing is a smart way to manage your money without complicated budgets or spreadsheets. The idea is to set up multiple bank accounts called ‘buckets’

Borrowing to invest, also known as gearing or leverage, is a risky business. While you get bigger returns when markets go up, it leads to

What is redraw? Let’s say you’ve made a habit of paying more than your minimum scheduled home loan repayments. This means you’ll have money available

Navigating complex family relationships and blended families can be challenging at times and particularly when a family member dies. A good estate plan can help

While we all hope for good health, the reality is that some of us may struggle at times with sickness or injury. And that may

Why it’s so important to talk about your finances According to this research1, one in two Australians don’t sit down regularly to look at their

What is creditworthiness? It might be a bit of a mouthful, but the concept of creditworthiness is simple enough to understand. The term refers to

About downsizer contributions If you are 55 or older, you may be able to contribute up to $300,000 from the proceeds of the sale (or

Diversification is an investment strategy that lowers your portfolio’s risk and helps you get more stable returns. You diversify by investing your money across different