Younger Australians and families will face the brunt of cuts to welfare spending, with penalties including reduced or cancelled payments for not turning up for job interviews or accepting suitable work. To balance this tough approach, programs to help young parents find jobs, childcare and training will be extended, while aged pensioners and disability pensioners […]
Decisions around aged care are always difficult and emotional. From the start of next year they are likely to get even more complex, with both the Age Pension and aged care sectors set for another shake-up. Currently, many people entering aged care choose to keep their former home and rent it out to help supplement […]
Many Australians are not confident they have enough assets to support their retirement, according to research from IPSOS and MLC, the Australia Today report, with 43% saying they will need to rely on support from the Australian Government. Among lower income earners, (social grade DE, with annual household income of $33,000), 62% agreed they would […]
Just because your children are adults, with good jobs and maybe even married with children of their own, it doesn’t mean they shouldn’t be considered in your retirement plans. Family is a risk that many don’t consider when planning for retirement. After all, you probably have little or no debt now the kids are independent […]
One of the toughest financial and emotional decisions when moving in to residential aged care often involves the sale of the family home. Sometimes turning the home into a rental property is a more appealing option. Not only does renting the house out delay making a decision to sell or avoid a fire sale, but […]
Pick an Australian, any Australian, and chances are they dream of buying a home or upgrading the one they already own. There’s the emotional satisfaction of knowing you own the roof over your head, the freedom to rip up carpets and keep a pet, and the stability it offers as you raise a family. But […]
Today’s retirees often have a bucket list including everything from overseas travel to learning new skills and spending time with friends and family. It’s safe to say that residential aged care is probably not on the list. Most people avoid talking about aged care, let alone actively plan for it. ‘I suppose I could go […]
Investors and retirees The good news for retirees is that the government will continue to index the age pension to wages, not inflation. It has also repeated its pledge not to make any changes to superannuation in this term of government and has maintained its hands-off approach to negative gearing, dividend imputation and capital gains […]
Who would have thought doing the Silly Walk created by John Cleese in Monty Python could hold the key to a happy and healthy life in your 90s and beyond? According to Californian neuroscientist Michael Merzenich, making your body move in a new and complicated way each day will challenge your brain and help grow […]
You’ve worked hard all your life and are looking forward to enjoying a comfortable retirement. How can you be sure that your savings will last?
Financial Advisor Adelaide
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