What is gearing? Put simply, gearing is borrowing money to invest with the aim of magnifying, or ‘gearing’, returns. It is important to highlight that gearing investments magnifies losses, as well as gains. One of the most common forms of geared investments is a mortgage on an investment property. The same principle applies to gearing […]
What are the estate planning implications? Getting married, even if it’s for the second time, is a happy time but it does present some financial planning challenges. Second marriages present some complex and contentious estate planning challenges. While many partners in a second marriage want ‘their’ estate to be passed on to their […]
Whether you’re an experienced investor or a novice dipping their toe in the water, there are some essentials to remember. This article will introduce some of the concepts you need to help you navigate the investment waters. Investing over the long term can help you weather market fluctuation and make the most of […]
For parents, there’s no greater pleasure than watching your kids grow into healthy happy adults. Childhood is all about great experiences and big adventures. However, it’s not possible to prevent every childhood accident or serious disease. If, sadly, something were to happen to your children, how financially prepared would you be? It’s a conversation worth having. […]
In Australia, almost 20 per cent of people have a disability and this number is only increasing with an ageing population1. So who will look after your loved one when you are no longer around? This includes not only their financial affairs, but their personal affairs such as care and rehabilitation as well. It also raises the question, […]