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Booked a ticket to an event recently using an on-line service? It’s likely you received a pop-up offering insurance in the event you can’t attend due to illness, travel interruptions or other unforeseen circumstances. For around the cost of a coffee, insuring your purchase may provide peace of mind, particularly to the risk averse. However, […]

Introduced in 1992, Superannuation Guarantee (SG) – that is, the compulsory superannuation system for Australian employees – remains highly topical more than two decades on. Changes to the super system are constant, and add complexity to the process for the superannuation industry, advisers, and of course employers and employees. Public and parliamentary debate about elements of […]

We put interest-only loans under the spotlight to explain the why, when and how this type of loan can be useful. You may be aware that interest-only loans came under the scrutiny of banking watchdog APRA early in 2017. In a bid to take the heat out of the property market and protect consumer interests, […]

Self-managed super funds (SMSF) have risen in popularity during recent decades as a growing number of Australians opt for greater control over their superannuation, and how it’s invested. However, while SMSFs can offer more direct control over investment strategy, asset selection and portfolio management than some managed superannuation funds, they are not without risks and […]

Housing affordability is an ongoing concern for many Australians, and a hotly debated topic both socially and politically. Despite ongoing debate and speculation regarding future market performance, figures suggest a recent resurgence in first-home buyers. Notwithstanding growing competition resulting from the rise and rise of the property investor, first-home buyers are faced with the very […]

A raft of “buy now, pay later” options like Afterpay and zipPay are giving consumers the opportunity to take their purchases home immediately, and pay them off over time. But, there are downsides that shoppers must be aware of. Late fees can be costly Afterpay allows shoppers to link purchases to their debit or credit […]

The Australian federal government is increasing its efforts to encourage Australians to save for their retirement, amid growing reliance on the public purse for welfare support, including the Age Pension. According to the Association of Superannuation Funds of Australia (ASFA), the average super balance at retirement at December 2015, was $292,500 for men, $138,150 for […]

When it comes to saving money it pays to sweat the small stuff. A raft of everyday banking fees could be gouging a hole in your finances. It pays to get serious about bank fees. We explain what to watch out for to put valuable cash back in your pocket each year. Fees can start […]