Way back in the early 1980s it was pretty obvious that the medium term (five year) return potential from investing was pretty solid. The RBA’s “cash rate” was averaging around 14%, 3 year bank term deposit rates were around 12%, 10 year bond yields were around 13.5%, property yields were running around 8-9% (both commercial […]
When you make a sacrifice, you’re usually giving something up with the expectation of future gain. Salary sacrificing into your super is no different—you’re giving up ready access to your money in your take-home pay. But in return you’re boosting your retirement savings and saving on tax. You can pay extra cash into your super […]
The Federal Budget is in and while it may not be as contentious as last year’s there are still some proposed changes that could affect you. Whether you’re a retiree, a family with young children, expecting a new baby or running a small business the budget may have an impact on you. The technical specialists […]
The last few weeks have seen the investment scene hit another rough patch: US shares have had a fall of less than 2%, but for Japanese shares it was 4%, Australian shares 6%, Eurozone shares 7% and Chinese shares 9%. This note takes a look at the key drivers, whether it’s a correction or something […]
As widely expected, the Reserve Bank of Australia has cut the official cash rate to 2% from 2.25%. This has taken the official cash rate to its lowest level ever and will push mortgage rates down to levels not seen since the mid-1950s. The latest rate cut if fully passed on to mortgage holders should […]
Negotiating the best property price isn’t a matter of swindling a seller. It’s about doing your homework, knowing what you want, knowing the market and making sensible offers. When you are buying property, getting the best price can mean the difference between being able to afford it and having to settle for second best. And, […]
In Australia, we rely heavily on carers to care for our aged and disabled community. According to Australian Bureau of Statistics and other sources, there are approximately 2.7 million unpaid carers providing over 1 billion hours of care. So what support is available of those carers? Here are some suggestions: Financial support is available through […]
For the average Australian, Superannuation will be the largest asset they have besides their own home. But do you know what your options are when accessing your superannuation? At Tailored Lifetime Solutions our Financial Planners specialise in helping people make the most out of their superannuation by guiding them through the ins and outs […]
The importance of financial protection for stay at home parents. There is a misconception that life insurance and income protection are only for those with real or paid jobs. But if you ask any stay at home parent, they will probably tell you their unpaid graft feels very much like ‘real work’. And the research […]
It is now six years since the global financial crisis ended. From their 2009 lows US shares are up 212%, global shares are up 159% and Australian shares are up 91% (held back by higher interest rates, the commodity collapse & the high $A).
Tailored Lifetime Solutions has been awarded the Firm of the Year at the 2025 Count.ed Conference on Hamilton Island. Chosen from a strong field of finalists, Tailored Lifetime Solutions was acknowledged for our professional excellence, commitment to clients and contribution to the advice community. The awards shine a spotlight on the Count network’s most outstanding […]
We look at how much money you might need each year and ways you can still budget for your social life. Australian retirees generally need a certain budget each year to live a modest or comfortable lifestyle, and industry figures recently revealed the highest annual increase in those budgets since 20101. The Association of Superannuation […]