Mortgage offset accounts have steadily increased in popularity since they were first introduced in Australia in the late 1980s. A recent study by the University of Sydney found that around
There are always two ways for individuals to hold cash – emergency fund cash and investment cash. This needs to be clarified before discussing any investment mix. Emergency
When members of a long-established couple are contemplating divorce or permanent separation, there’s more than the emotional toll to take into account. Ensure you are aware of the potential financial
The end of the year is an ideal time to pause and review your finances, but a personal financial audit can be useful at any stage. Just follow this 10-step
It can be tempting to treat superannuation as a ‘set and forget’ investment. In most years your annual statement will show what appears to be a satisfactory growth rate, so
We’ve all experienced it… the undeniable allure of post-Christmas sales. No sooner has Christmas wrapped up for the year than the frenzy of Boxing Day Sales descends upon us. Every
It’s understandable, in today’s tough housing market, that you want to give your children a leg up onto the first rung of the homeowning ladder. But before you do, stop
You may have come across the SMART acronym in the course of your employment, but here’s a reminder of what it stands for: Specific Measurable Achievable Relevant Time-bound In
The idea of downsizing can be very appealing to empty-nesters. There will be less cleaning, gardening and maintenance, more time for hobbies and travel, and the icing on the
The opinion of many people towards debt can be best summed up in the often quoted line from Shakespeare, ‘neither a borrower nor a lender be.’ Yet others will
You may be one of many Australians who make an interest-free loan to the federal government every year. That’s because, when you receive a tax refund, you’re not getting
A financial strategy isn’t something you should set and forget. Life moves, circumstances change, the economy shifts, and what once worked may not be as effective as it used to