Why Budget? It’s Not That Important, Right?

Budgeting is one of those things that everyone thinks is a good idea, but few put into motion. 


Should I be investing if I have debt?


For most people, debt will be a feature at one (or many) stages of their lives. There are many types of debt, some of which are positive, and many which can have a negative impact on your financial health, and your lifestyle.


Superannuation According to the ATO

Did you know that as at 30 June 2016, over 14.8 million Australians had a super fund account, and that 43% of these people had more than one fund....each charging fees? If we narrow this down, people between the age of 30 and 55, during the most productive years of their life are often with multiple accounts, eating away the funds that they are working so hard to put into their super. This is also the same with pension accounts, whereby 47% of individuals with pension funds, have more than one, and are therefore not reaching their optimum efficiencies.


Do you have ETFs in your portfolio?

How can ETFs Help Me?

ETFs - or exchange traded funds, put simply are like a conventional managed fund, except they mostly have lower fees, and are listed on the stock exchange. They can provide active or passive investment management, but predominantly track assets or a market index. ETFs provide investors with an easy, low cost option to diversify investments across a number of asset classes.