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17/2/2021

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Reverse Mortgage - Saviour or Sin

 
With interest rates virtually nothing, reverse mortgages may be the lifeline that cash-strapped retirees need right now.  But, proceed with caution.

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23/4/2019

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Here’s why maybe you shouldn’t retire super early — even if you can!

 
We’ve recently discussed perhaps the most powerful retirement strategy of them all - work a bit longer.  

Well, now it seems that leaving retirement behind to return to the workforce is increasingly popular among older Australians. I came across this article originally published in the Sydney Morning Herald which shares the experience of 2 such people, and highlights the challenge of getting your retirement decision right. 

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11/2/2019

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The Most Powerful Retirement Strategy Of Them All

 
Saving and investing for retirement are important. But for most people, another strategy is far more powerful - working a bit longer.
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Keep reading. There are some provocative nuggets here.

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4/2/2019

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Franking Credits Made Easy

 
Political debate regarding the refunding of franking credits for those that don’t pay tax is starting to heat up.  I must have been asked by a dozen people what the hubbub is all about. 
 
“Can you explain simply dividend imputation, franking credits and double taxation”
 
It is a little complicated and I reckon the best way to explain is by example.  Let me know if this makes sense.

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21/1/2019

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Investment Structures

 
Once a decision has been made to buy an investment, it is important to consider the best investment structure to use.   An investment structure refers to the way investments are legally owned.  Many people simply purchase assets in their own name or joint names, when other ownership structures may be more suitable.

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15/10/2018

The Different Types Of Retirement And Their Very Different Saving Strategies

 
There used to be a ‘traditional’ approach to retirement. It went like this.  

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4/9/2018

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25 Million and Growing: What's It Mean For Your Retirement

 
On 7 August 2018 the Australian population has edged past the 25 million mark. What could this mean for the future financial wellbeing of everyday Australians? Hear from Certified Financial Planner® Professional Tony Sandercock of wetalkmoney about the potential impact on finances and retirement outcomes of a bigger population. ​(This article originally appeared in Money and Life)

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21/8/2018

5 tips to a happy retirement

 
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There’s so much today about the financial side of retirement.  Save more, invest more, have more, but for what? For you the answer may be financial independence, or maybe just the ability to stop working at a job you don’t like.  There are legions of experts out there to help you figure out your asset allocation, how much you need to save, how much you can safely withdraw etc etc etc.


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17/7/2018

What's your number?

 
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The nature of retirement has changed.  When the age pension was introduced in 1908, life expectancy was 55 for men and 58 for women. With age pensions kicking in at 65 and 60 respectively, politicians weren't expecting a significant tax burden, nor did retirees require a great deal of money – the “Golden Years” often didn't last long!


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10/7/2018

What's a million dollars get you?

 
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“A million bucks won’t get you much these days”.

I was taken aback by the comment. 

We tend to use that number to decide who is rich and who isn't.  “Oh, he’s a millionaire, he can afford it”.


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