How Much Cash Should You Hold vs Invest? What’s the Right Mix?
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.
Quarterly Economic Update: October – December 2025
The December quarter has been defined by unexpected twists. Just as we thought inflation was under control, it kicked back up. Just as rate cuts seemed certain for 2026,
How to Inflation-Proof Your Household Budget in 2026
There’s no escaping the fact that retail prices, utility bills and interest rates remain persistently high. If you’ve managed so far, but feel as if you’re stretche
Your 10-Step Personal Financial Audit Checklist
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 checklist to g
How to Balance Your Superannuation Investment Settings
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 ra
Help Your Kids Buy a Home Without Risking Retirement
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, st
Setting SMART Financial Goals That Actually Stick
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
Quarterly Economic Update: July – September 2025
The September quarter has been one of cautious optimism. Inflation appears to be finally cooling, central banks are holding steady, and investors are weighing up what the
Should You Downsize to Boost Your Super – Pros, Cons, and Tax Implications
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