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23 February 2025
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Debt recycling is a powerful strategy for those juggling the seemingly competing goals of debt reduction and building an investment portfolio. Yet it's often misunderstood because it isn't just a single strategy.
From going it alone with an SMSF to defaulting into a large super fund's balanced option, administration time and fees for super vary materially. Here's a guide to the costs involved and the potential impact on returns.
Investments that offer some element of tax effectiveness or tax breaks can be good, but it's unwise to make investment decisions, both buying or selling, based solely on beneficial tax treatment.
There are strategies for this EOFY which could reduce your tax bill while supporting other objectives such as charitable giving, insurances, personal or spouse super contributions, or asset purchases for business.
Putting money aside to pay for a child's education requires a serious savings effort, and lack of access to superannuation rules it out as a tax-effective and flexible option. There is an alternative.
There are many investment options for children beyond a savings account, but the merits of each are different for everyone. Here's some guidance for parents of both younger and older kids.
Research shows most super fund investment managers consider tax implications when making their investment decisions. With the right tax knowledge and confidence, they could achieve even greater tax efficiency.
With some extra thought in estate planning, a bequest to a charity could be made in a more tax-effective way, creating the potential for larger bequests.
Accountancy practices have been a poor second cousin to financial planning businesses in terms of sale price and merger and acquisition activity. Here’s why that might change soon.
While encouraging people to draw down on their accumulated wealth in retirement might be good public policy, several million retirees disagree because they are purposefully conserving that capital. It’s time for a different approach.
This examines the performance of key asset classes and sub-sectors in 2024 and over longer timeframes, and the lessons that can be drawn for constructing an investment portfolio for the next decade.
The CIO of Australia’s fourth largest super fund by assets, John Pearce, suggests the odds favour a flat year for markets, with the possibility of a correction of 10% or more. However, he’ll use any dip as a buying opportunity.
Getting regular, growing income from stocks is tougher with the dividend yield on the ASX nearing 25-year lows. Here are some conventional and not-so-conventional ideas for investors wanting to build a dividend portfolio.
Australians are used to hearing dire warnings that they don't have enough saved for a comfortable retirement. Yet most people need to save a lot less than you might think — as long as they meet an important condition.
It’s well documented that many retirees draw down the minimum amount required and die with much of their super balances untouched. This explores the reasons why and some potential solutions to address the issue.