Investments Improving for Christmas

Investments Improving for Christmas

The share market has been rising since October, after a weak period. The All Ordinaries Total Return Index gained 5.2 per cent in November. That’s good news for superannuation and retirement pension accounts as well as share funds. It’s been a wobbly year but is...
Investing for Children

Investing for Children

Lots of grandparents open bank accounts for grandchildren, keen to put them on a long-term path to healthy finances. Many parents do the same. With Christmas just around the corner it’s a good time to consider this approach. Interest rates at the banks are around five...
Guaranteed Retirement Income

Guaranteed Retirement Income

In Britain and most European countries retirees usually invest their savings in guaranteed lifetime pensions and annuities. That isn’t the case in Australia. Here most retirees avoid annuities if they have a choice. However modern annuities have changed. They look...
Shares Should Do Better

Shares Should Do Better

The last two and a half years have been disappointing for most investors. The All Ordinaries Index of Australian shares is currently at the same level as in April 2021. Good dividends have been paid but prices are no higher. This has impacted most super accounts,...
Can I Afford To Retire?

Can I Afford To Retire?

Possibly the most common question people approaching retirement have is “Can I afford to retire?” And “Will I have enough income to live on in retirement?” Obviously the answer depends on how much income they will need. If they only need a modest income and have a lot...
The Transition to Retirement

The Transition to Retirement

The final working years are critical in reaching a comfortable retirement position. Having a financial plan and sticking to it during that period can make a big difference. People in the pre-retirement years usually have surplus income due to mortgages being paid off...