by James Coyle | Aug 29, 2022 | Investing
And why does it matter? The term asset allocation comes up a lot in discussions about retirement income and superannuation. It’s hard to avoid and also probably too easy to gloss over, assuming we fully understand both the definition of asset allocation and its...
by James Coyle | Aug 26, 2022 | Centrelink Age Pension
What you see – or don’t … … can cost you dearly A diptych is a double image that shows two different things simultaneously. The example in the image above is very famous. It was first published in a German postcard in 1888 and then reshared by an Englishman, who named...
by James Coyle | Aug 26, 2022 | Planning for Retirement
Are retirees now better off? ‘Inflation’ is a word very likely to jump into sight as you read your morning news. It’s also reported on the nightly TV news, a frequent topic in discussion in our federal parliament and a regularly reported source of concern in financial...
by James Coyle | Aug 21, 2022 | Centrelink Age Pension
How can this increase your income? In any couple one of the partners by nature will be younger. That’s a given. What is less well known is the radical difference it can make to use the rules of retirement income to your advantage if one of you decides to leave full...
by James Coyle | Aug 21, 2022 | Retirement Advice
How to manage debt in retirement A common view of retirees is that of people who live in their own (fully paid-off) homes, with no debt and the ability to do whatever they want, whenever they please. Those who have already retired may find this amusing, annoying or...
by James Coyle | Aug 21, 2022 | Retirement Income
Five steps to peace of mind The final report of the Retirement Income Review ( July 2020) found that 28% of early retirees are in financial stress. This report was tabled two years ago, before interest rates and the Consumer Price Index began to increase so rapidly....
by James Coyle | Aug 12, 2022 | Retirement Income
Is it right for you? Downsizing is frequently a major turning point in retirement. It’s not for everybody, but it does offer a rewarding and potentially lucrative strategy for many older Australians. In fact, access to home equity can mean the difference between a...
by James Coyle | Aug 12, 2022 | Centrelink Age Pension
Why did I lose my income? This week we received a distraught call from someone who has just lost nearly all their part-Age Pension. Let’s call her Susan. She contacted us to see if we could help reverse this loss of income and agreed that we could share this situation...
by James Coyle | Aug 12, 2022 | Retirement Spending
What could possibly go wrong? Lump sums can come and go in diverse ways. When it comes to retirement, it used to be much simpler to work out how to handle them. Over time, the many ways of contributing to, or withdrawing from, your superannuation have increased. The...
by James Coyle | Aug 5, 2022 | Investing, Retirement Income
And how can you earn more? The Reserve Bank increases the cash rate…. Homeowners face mortgage stress… And banks pass on rate rises in full Well that last one isn’t true is it? Or at best half true. The banks pass on rate rises in full very very quickly when they...
