The federal government has tried (via 2009 legislation and later instructions to banks from APRA, the Australian Prudential Regulation Authority) to ensure that mortgage borrowers will be able to service their loan and cope with any future interest rate rises. Despite this, many Australian homeowners are struggling financially as a...
About one in 10 families in Australia is a blended or step family, according to census data, and this trend has increased in recent years. Blended families can work well, but it’s best to aim to avoid any potential problems with the division of money and other assets. These may...
The opinion of many people towards debt can be best summed up in the often quoted line from Shakespeare, ‘neither a borrower nor a lender be.’ Yet others will embrace debt as one of the most important tools in their investment arsenal. Of course, successful debt management comes down to...
What’s the first thing that springs to mind when you hear the term ‘passive income’? It may be creating an e-book, a blog or a YouTube channel, engaging in affiliate marketing or selling stock photos, but in fact, none of these is entirely passive. They all require lots of upfront...
It can be tempting to treat superannuation as a ‘set and forget’ investment. In most years, your annual statement will show what appears to be a satisfactory growth rate, so why tamper with something that seems to be working reasonably well? However, depending on your age and goals, your superannuation...
It’s understandable, in today’s tough housing market, that you want to give your children a leg up onto the first rung of the homeowning ladder. But before you do, stop to consider how it’s going to affect your own financial situation in your later years. That doesn’t make you selfish,...
Equity markets, and risk assets more broadly, sold off sharply resulting in some of the biggest one-day falls seen in thirty-plus years. We take stock and look deeper into what has happened, why and what to do now. WHAT HAS HAPPENED? What Equity markets, and risk assets more broadly, sold...
Just as night follows day, it seems part of the regular cycle of the world’s share markets that downturns and falling prices follow good times and rising prices. The impact of the COVID-19 Global Pandemic was typical of such downturns, prompting a 35 per cent sell off in world share...
There is an old saying that no investment is as safe as a bricks and mortar investment, but is that really the case or is it something that we just like to believe, spurred on by what appears to be the never-ending increase in property prices? While it’s easy to...
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At this time, we are not accepting new client appointments as we focus on supporting our existing clients and enhancing our services. We expect to reopen to new client enquiries later this year and appreciate your understanding.
– Kaydon Loechel , Business Manager 15.05.2026