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What is the First Home Owner Grant? The FHOG was introduced by the Federal Government in 2000 to assist first home buyers with purchasing a home. Since then, the rules around it have repeatedly changed. While the FHOG is a national scheme, it’s funded by the states...

Key takeaways To qualify for tax deductions, donations must be made to ATO-approved eligible Deductible Gift Recipients (DGRs). Not all donations are eligible for tax deductions in Australia. Maintaining proper documentation is vital when claiming donation tax...

When looking into the financial elements associated with planning for aged care, there is a lot of information out there which can be confusing. With this in mind, it's important to have your questions answered by those who are experts in finance specialising in the...

Find out how to save money every day and make a savings plan to stay on track. Separate and automate your savings An online savings account is a great way to grow your money faster. Unlike a transaction account, you can’t spend money directly from a savings account,...

Key takeaways Having a savings plan and an appropriate level of insurance cover can help insulate you from financial stress. Tracking expenses gives a complete picture of where savings can be made, helping reach your financial goals more quickly. Avoid accumulating...

Key takeaways On 1 July 2023, the compulsory super paid by your employer went up from 10.5% to 11% of your income The maximum amount you can move from super into a tax-free retirement pension product has increased from $1.7 million to $1.9 million The minimum amount...

As a home owner with a mortgage, chances are you’ve heard of the term 'refinancing'. Refinancing involves reviewing your current mortgage, and potentially swapping your loan to another lender who can better meet your current needs, wants and circumstances. Refinancing...

Key takeaways If you’ve seen good returns over the long-term, sticking with the same fund may ensure your retirement savings continue to grow in line with your goals On the flip side, switching to a new fund could give you access to lower fees which can result in...

It is a special feeling to welcome a new child or grandchild into the world and watch them grow. Sharing their joy as they reach new milestones is priceless. Of course, there is a real cost – raising a child is expensive, particularly now as the cost-of-living spirals...

Giving Australians better access to high-quality and more affordable financial advice is imperative. One of the fundamental principles for achieving long-term investment success is planning. In fact, the importance of having a clear financial plan, whether it’s formal...

Key takeaways Understanding the available investment property tax deductions in Australia is essential if you are to maximise the financial benefits of property investment. By taking advantage of deductions, investors can significantly reduce their tax liability. One...

Hedge funds use investment strategies that are more complex than other managed funds. Many aim for positive or less volatile returns, in both rising and falling markets. A hedge fund is a complex investment and risks vary. Read the product disclosure statement and...