INSIGHTS Newsletter

Latest Issue

Autumn 2019 | Issue #68

TOPICS:

Working flexibly . . . even in retirement

Not quite ready to retire but don’t want to work full time? Here are some ways to get the best of both worlds. […]

5 ways women can take financial control

Financial independence is an essential aspect of female empowerment. Here’s how to achieve it. […]

Q&A’s
Answers to some common questions we have recently been asked. […]

Insights - Financial matters affecting your lifestyle.

Previous Issues

Spring 2018 | Issue #66

TOPICS:

Living Independently: A look at in home care options

Are you, or is someone you know, in need of aged care services but not quite ready to move into residential care? With a range of government programs and technological solutions available, many retirees are now able to get the support they need in the comfort of their own home. […]

Reducing the impact of redundancy

We all like to think our job is secure, but it’s hard to be certain when the employment market is constantly changing. Here’s how to future proof financial matters so you, or a friend or family member can stay on track if made redundant. […]

Q&A’s
Answers to some common questions we have recently been asked. […]

Winter 2018 | Issue #65

TOPICS:

Make the Most of Your Tax Refund

If the tax man brings you a present this year, don’t blow it all at once. There are plenty of ways to put this extra cash to good use. […]

What Kind of Investor Are You?

No two investors are alike – we all have our own goals, investment timeframes and risk appetites. That’s why your financial adviser works with you one-on-one to understand your personal investment style and make sure your portfolio is the right match. […]

State of the States
NSW continues to lead the nation in terms of economic performance, but Victoria is fast closing the gap. […]

Autumn 2018 | Issue #64

TOPICS:

Female Financial Freedom: How women can take charge of their money at every stage of life

Thursday 8 March was International Women’s Day – a time to celebrate what has been a remarkable year for women around the world. From the #metoo and #timesup campaigns to demands for equal pay, women are taking unprecedented strides in both the professional and public spheres. […]

Making the Aged Care Journey Smoother

When you’re exploring aged care options for a loved one, the process can seem overwhelming. Here’s how to make it a bit easier. […]

Economic Trends Shaping 2018
It has already been a turbulent year for the global economy, with recent stock market volatility sparking some concerns for the future. Here are some of the economic trends everyone’s talking about. […]

SUMMER 2017 | Issue #63

TOPICS:

Your top five New Year’s financial resolutions

Overspent this year? Here’s how to put your finances back on track – and even get ahead. […]

Cashing in on the sharing economy
Thinking about using your car, home or personal skills to make some extra cash over summer? Before you do, make sure you understand what’s involved. […]

Economic Outlook
Craig James, CommSec’s Chief Economist, weighs in on the state of the economy and lets us know what we can expect to see over the coming year. […]

SPRING 2017 | Issue #62

TOPICS:

Buying your dream home – at any stage of life

Spring is boom-time for real estate, with a market surge after the quieter winter months. So if you’re planning to buy a home this season you should have plenty of options to choose from – if you know what you’re looking for. […]

Making a smooth transition to retirement
Wondering about the best way to ease into your retirement years? A transition-to-retirement strategy may be the answer, but it’s important to know that the rules have recently changed. Here’s the lowdown. […]

Finding your flex
Nicolette Rubinsztein has built her career as a senior financial services executive and non-executive director – all while working part time and caring for three young daughters. She shares her seven strategies for balancing a successful career and parenthood. […]

WINTER 2017 | Issue #61

TOPICS:

Your financial year checklist

Who doesn’t love the end of the financial year? Okay, so maybe sorting through a shoebox full of receipts isn’t your idea of fun, but don’t worry. With our handy checklist, you can take some of the headache out of tax time. You might even find ways to give your finances a boost.

The end of financial year has a way of creeping up and catching us unprepared. But this time you can be ready, with a to-do list of tasks that you can tick off as you go. Plus, this year may be the perfect time to put a bit extra into your super before 1 July. New rules around super contributions are about to take effect on 1 July, so now is your last chance to make the most of the current contributions caps. And if you’re a business owner, we’ve also got some useful tips to help you manage your financial obligations and plan for the year ahead.

So as the countdown to 30 June begins, here’s our checklist to start you on your way.

 

Understanding your super and pension statements
We’re not all financial experts, but sometimes it feels like we’re expected to be – especially when each super or pension statement arrives. So if you’d like to understand yours better, here’s how to make sense of all the finance-speak. […]

Quarterly Market Update
An economic update from Colonial First State Global Asset Management. […]

AUTUMN 2017 | Issue #60

WHAT IS…? Investment terms explained
Want to learn more about investing but you’re not sure where to begin? Here are a few key terms every investor should know. […]

Seven ways to get more out of retirement
Leaving the workforce is just one step in your journey through life. And once the daily grind is over, it’s time to figure out what you want to do next.

Retirement is something that most of us look forward to. But it can also be a challenging lifestyle adjustment, particularly if you’re someone who’s used to keeping busy. On one hand, retirement gives you the chance to relax and slow the pace of living to a more enjoyable speed. But on the other, reaching the end of your work years can also raise the question: ‘What am I supposed to do now?’

Retirement isn’t just a long holiday, it’s an opportunity to find a new vocation. So if you’re looking for ideas on how to fill all the hours you used to spend at work, here are a few to get you started. […]

Quarterly Market Update
An economic update from Colonial First State Global Asset Management. […]

SUMMER 2016 | Issue #59

Make Today Count!
Even though your financial strategy should be for the long term, there are things you can do each day to help you achieve your goals sooner. here are five to get you started. […]

Federal Budget Reforms: What will they mean for you?
In this year’s Federal Budget and in subsequent announcements, the Coalition government proposed widespread changes to super and tax rules. Although these reforms are yet to be legislated, it’s important to know how to protect your financial strategy. […]

Quarterly Market Update
An economic update from Colonial First State Global Asset Management. […]

SPRING 2016 | Issue #58

Be Race Ready for What Lies Ahead
With a good financial plan in place, you’re already well positioned for a rewarding financial future. What’s more, it means you’ll be better prepared for major life events when they arise. […]

You’ve lost that loving feeling
There’s no denying that break ups are tough — and not just because of the emotional upheaval. For many people, coming to the end of a long-term relationship also goes hand in hand with financial uncertainty. […]

Quarterly Market Update
An economic update from Colonial First State Global Asset Management. […]

WINTER 2016 | Issue #57

Important Information about Age Pension assets test changes
If you are over, or close to, 65 years of age, it is important that you know about the changes the Government has introduced to the pension assets test which will come into effect 1 January 2017. These changes may affect your eligibility for the Age Pension. If this doesn’t affect you as yet, you may wish to share this news with family and friends that it might have an impact on. […]

Happy New (Financial) Year
As you prepare for the new financial year, use these simple tips to help you make sure your finances are on the right track for the year ahead. […]

Expanding Travel Horizons on a Tight Budget
Even if the exchange rate has you on a smaller travel budget than you’re used to, being thrifty can have its benefits. In opting for more budget-friendly countries and activities, you open yourself up to new experiences and the potential to fit more into your next trip. […]

Quarterly Market Update
An economic update from Colonial First State Global Asset Management. […]

AUTUMN 2016 | Issue #56

Important Information about Age Pension assets test changes
If you are over, or close to, 65 years of age, it is important that you know about the changes the Government has introduced to the pension assets test which will come into effect 1 January 2017. These changes may affect your eligibility for the Age Pension. If this doesn’t affect you as yet, you may wish to share this news with family and friends that it might have an impact on. […]

Take charge of your retirement journey
Retirement. Whether you’re already retired, planning to retire next year or in 20 years, knowing the kind of lifestyle you want in retirement and having a sound financial plan in place will help make your retirement dreams a reality. […]

Gifts that may not keep on giving
If you have planned well and feel financially secure for the years ahead, gifting money or assets to family members can be a kind and compelling idea. Just make sure you know how the rules might affect your wealth. […]

Quarterly Market Update
An economic update from Colonial First State Global Asset Management. […]

SUMMER 2015 | Issue #55

Learning from experience
It is no secret that retirement is more successful for some than for others. One of the secrets to success is planning that begins decades earlier. Here we speak with a 67-year old who has begun his (semi) retirement with style and hear his real-life tips on how to make your retirement dreams happen. […]

Fitness for life
There are several exercise guidelines to follow as you head into your 40s, 50s and beyond. Do it right and there are numerous positive outcomes. […]

Quarterly Market Update
An economic update from Colonial First State Global Asset Management. […]

SPRING 2015 | Issue #54

Make the most of the family home
For the majority of families, their home and superannuation will be the two most valuable investments they will own in their lifetime. Here we discuss how the family home might be utilised to potentially assist in wealth and lifestyle creation. […]

Life, Interrupted
Those that find themselves starting over in life can face surprisingly difficult financial challenges. Here we investigate five common interruptions that many will have to face throughout their lives. […]

Quarterly Market Update
An economic update from Colonial First State Global Asset Management. […]

WINTER 2015 | Issue #53

Drive your wealth strategy this EOFY
The end of the financial year is arguably the most important time for you to re-visit and fine tune your financial strategy. Here we have compiled a list of nine simple but powerful to-dos. […]

Insuring inside or outside super
There are several questions that must be answered before figuring out whether to hold personal insurance inside or outside super. Getting it right can be beneficial in many ways. […]

Quarterly Market Update
An economic update from Colonial First State Global Asset Management. […]

AUTUMN 2015 | Issue #52

Rise as the Dollar falls
The Australian dollar has done its fair share of bouncing around during the last five to ten years, and its current trend is down. What does this mean for our investments? And what can it teach us about risk? […]

SMSF: How and why to diversify
Knowing exactly what needs to be considered before getting your asset allocation right inside (or outside!) a Self-Managed Super Fund (SMSF) is not just a smart move in terms of obeying strict SMSF regulations. It is also a fantastic exercise in developing a broader investment discipline. […]

Quarterly Market Update
An economic update from Colonial First State Global Asset Management. […]

SUMMER 2014 | Issue #51

Is bigger really better?
How can Australia continue to develop its businesses and its economy as the sizzling mining sector gradually cools off? Many believe the secret lies in growing our population. […]

Education: The gift the keeps in giving
Few gifts are as valuable as an education. But if your intention is to pay for the schooling of your grandchildren or great‑grandchildren, you should be aware of the pros and cons of the various options. […]

Quarterly Market Update
An economic update from the Economic and Market Research team at Colonial First State Global Asset Management. […]

SUMMER 2017 | Issue #63

TOPICS:

Your top five New Year’s financial resolutions

Overspent this year? Here’s how to put your finances back on track – and even get ahead. […]

Cashing in on the sharing economy
Thinking about using your car, home or personal skills to make some extra cash over summer? Before you do, make sure you understand what’s involved. […]

Economic Outlook
Craig James, CommSec’s Chief Economist, weighs in on the state of the economy and lets us know what we can expect to see over the coming year. […]