Our latest thinking on the issues that matter most in the private wealth industry including market updates, investment insights and news from our CEO.
A recent survey of Australians explored their financial aspirations. Central to many of these aspirations and dreams was how Australians perceive their current state of financial wellbeing.
With recent interest rate rises should you pay off your mortgage faster or save more in super? We cover key considerations in this article.
Investing your money may be an effective way to help you build long-term wealth. Here are some things to consider before you do.
The Research Team provides a performance summary and commentary on each of the five main asset classes.
More parents are helping their children financially to get ahead. In this article we discuss some of the considerations when gifting or lending money to ensure everyone’s interests are protected.
The board game market is growing and growing, and there are some compelling reasons to play that go way beyond nostalgia.
When selling an eligible property you may be able to contribute to super, even when it ordinarily wouldn’t be possible due to other super contributions restrictions.
Recent legislative changes have provided greater opportunities for additional non-concessional super contributions.
Taking part in regular sports or physical activity has incredible health and wellbeing benefits – including extending your life.
The Research Team provides a performance summary and commentary on each of the five main asset classes.
From 1 July 2023 there will be significant changes to the thresholds that govern eligibility for the Age Pension. Here's what you need to know.
The 2023 Federal Budget focuses on providing cost of living relief through lower power bills, higher welfare payments and more support for small business and housing.
Family-owned business play a significant part in the Australian economy. Unfortunately, many business owners are ill prepared for exiting their business.
The Government has announced its intention to change tax concessions on superannuation if you have a total super balance of more than $3 million.
The end of the financial year is fast approaching and there’s a great way to help you save on tax while boosting your super.
Life insurance provides protection during your working life, so is it still needed in retirement.
The Research Team provides a performance summary and commentary on each of the five main asset classes.
If you’re dusting down your passport in 2023 and thinking about heading overseas, we’ve got a few unique travel ideas and tips for you.
The decision to either utilise annual leave or cash it in on retirement can have implications for your super, tax and social security.
Putting plans in place for the transfer of ownership or control of assets in the event of death is not a task many of us willingly or enthusiastically engage in.
With cybercrime on the increase we outline a few simple ways to keep your personal information and data secure.
The Research Team provides a performance summary and commentary on each of the five main asset classes.
It’s impossible to ignore the issue of climate change in 2022. And certainly, if you’re invested in the markets, you wouldn’t want to.
More self-funded retirees will be helped to ease their cost of living pressures with changes to the Commonwealth Seniors Health Card now legislated.
With forward planning, clients can better manage their total super balance, which can help them to contribute more to their super and take advantage of a range of wealth-building strategies.
With inflation rising and the cost-of-living soaring, many of us are looking at ways we can reduce our outgoings and live a little more prudently.
The Research Team provides a performance summary and commentary on each of the five main asset classes.
How much do you need to retire? One million in super? Two debt free investment properties? The answer is far more personal than that, and a rule of thumb solution is an oversimplified answer to a difficult question, Shadforth adviser Ed Eyles explains.
A comprehensive financial plan focuses not only on the generation, but the preservation of wealth and income. Edward Eyles explains.
Why are interest rates rising? And what does that mean for mortgage holders? Claire Charlton from Finance Choice, explains what another rate hike means for borrowers and the economy.
Did you know you may be able to reduce your tax liability by making a personal deductible super contribution? With EOFY fast approaching, now may be the time to act.
From spending time in virtual reality worlds to sitting down for a meal made of bugs, our day-to-day life tomorrow could be very different to the one we know today.
With the recent announcement that the minimum pension drawdown amount will be extended another year, in this article we look at the merits of account-based pensions.
The Research Team provides a performance summary and commentary on each of the five main asset classes.
In this article Jim Parker, Vice President at Dimensional Fund Advisors, explores the hindsight effect, a behavioural phenomenon that is particularly relevant to investing.
With tax time fast approaching it’s prudent to consider some of EOFY strategies that may save you money on your tax bill and contribute to your overall wealth accumulation strategy. Shayne Sommer explains.
Why is it that everyone is talking about bonds? Often referred to as the ballast in an investment portfolio, they definitely serve a purpose but as Jeremy Taylor explains, they're bonds just bonds.
With a new fringe benefit tax (FBT) year starting 1 April, we explore some of the tax considerations when salary packaging benefits in addition to salary and wages.
At the beginning of each new year, many of us resolve to change something in our lives.
We look at the changes being proposed to the Home Equity Access Scheme, a possible solution for many cash strapped retirees.
The Research Team provides a performance summary and commentary on each of the five main asset classes.
What are the key differences between ‘investment’ and ‘speculation’ and where does cryptocurrency sit on the spectrum of buying opportunities?
Since July 2018 thousands of people have taken advantage of the Government’s downsizer contribution scheme by selling their home and making contributions to their super.
Many of us hold life insurance through our super funds and are aware of the tax advantages of doing so. But what are the limitations of structuring insurance in this way?
Following a challenging couple of years we reflect on some of the positives of life in a pandemic.
The Research Team provides a performance summary and commentary on each of the five main asset classes.
There are unlimited opportunities for your money, but how do you decide which to pursue? Edward Eyles explores the options in this article.
There has been an increasing awareness of environmental concerns and how certain industry and business practices impact environment and future generations.
If lockdowns and travel bans weren’t enough to deal with, the global pandemic has also provided fuel for a significant increase in another kind of threat altogether – scams.
From 1 July 2021, there were some exciting changes to super including an increase to the Super Guarantee amount and to the super contribution caps.
On Saturday 29 May 2021, the Government unexpectedly announced an extension of the temporary reduction in superannuation minimum drawdown rates through to financial year 2021/22.
Tempted by a home reno? You’re not alone. But, before you reach for the sledgehammer, there are a number of things to consider.
A fundamental principle of bond investing is that interest rates and bond prices generally move in opposite directions. So what is the future of fixed interest in a near negative interest rate environment?
During this year’s Federal Budget announcement Treasurer Josh Frydenberg stated “Australia is back!”. This years Federal Budget announced positive changes to superannuation, an extension of the low and middle income tax offsets and a boost to aged care services.
The Research Team provides a performance summary and commentary on each of the five main asset classes.
No amount of money can replace your health and wellbeing – or the role you play in your family. But you can at least have peace of mind knowing that if anything happens to you, your family has financial security that is provided by life insurance.
While international borders remain closed, the possibility of jetting off around the world is unlikely in the near future. Still, there are plenty of ways to satisfy the travel-bug and fill that globetrotting void – so sit down, log-on, and explore the world!
Due to the COVID-19 pandemic, many Australians have been confronted with financial challenges and have relied on financial assistance from the Government to make ends meet. However, with temporary measures ending on 31 March 2021, how will it affect employers, employees and those unemployed?
On 1 July 2021, both the concessional and non-concessional superannuation contribution limits, also known as ‘super contribution caps’, will rise.
The Research Team provides a performance summary and commentary on each of the five main asset classes.
Despite the RBA deciding not to lower interest rates further when they met today, the cash rate and Australia's official interest rate currently stands at a historic low of 0.10%. How much lower can interest rates go?
It’s well known that loneliness or social isolation increases during the festive period – and this will undoubtedly be more evident this year off the back of a global pandemic, drought and a bushfire season like no other.
Also known as ‘salary continuance insurance’ or ‘disability income insurance’, income protection provides a portion of your income, if you are unable to work due to injury or sickness for a certain period of time.
The Government recently increased the thresholds for most personal tax rates for this financial year. This has been brought forward to help boost consumer spending and accelerate economic growth.
The Research Team provides a performance summary and commentary on each of the five main asset classes.
When talking about Government aged care services, many people associate it with nursing homes. However, residential aged care or ‘nursing homes’ represent less than 10% of the formal aged care system.
In this article we look at investment rebalancing, and how a structured and disciplined approach to rebalancing can ensure your portfolio remains appropriate to your circumstances.
The impact of COVID-19 on investment markets means many Australians have lower super balances compared to the start of the year. We investigate the impacts on retirement savings.
Setting up or joining a self-managed super fund (SMSF) allows you to make decisions about your own retirement savings. However, managing an SMSF can be complicated and time-consuming.
In the current economic environment, the prospect of redundancy can become an unexpected reality or an unsettling concern for many.
With 2020 travel plans seriously curtailed, it's become increasingly important to find new and interesting activities to do from the comfort of your own home.
We outline tax deductions for working from home, super contribution opportunities and the Government’s temporary financial relief initiatives in response to the Coronavirus crisis.
The Research Team provides a performance summary and commentary on each of the five main asset classes.
Our Chief Investment Officer, Dan Farmer, looks at the share market impact of the coronavirus and the response to date from policymakers.
We understand the importance of giving back to our community. That’s why we’ve partnered with The Funding Network to help three passionate non-profit leaders working in the mental health space.
The Coronavirus is a defining moment for humankind, and one that will change the complexion of our lives for the foreseeable future.
Our Research Team look at the factors that have driven recent share market volatility, and investigate the historical impacts of epidemics on investment markets.
The recent devastating bushfires in Australia have driven the climate change conversation further up the political and public agenda.
Over the last 20 years, since 1999, the percentage of Australians age 65 years or over increased from 12.3% to 15.9%. This group is projected to increase more rapidly over the next decade, as more baby boomers (people born between 1946 and 1964) turn 65.1
When you start out in business, your focus is likely to be on growth and managing day-to-day activities. Then, as your business expands, things get more complex.
The Research team provides a performance summary and commentary on each of the five main asset classes.
Vehicles powered by fossil fuels are one of the major contributors to global warming and air pollution. With transportation the third-largest source of greenhouse gas emissions in Australia1.
You’ve spent your life accumulating your super and now you’re nearing retirement and the next phase of your life.
There’s been an explosion of apps and innovative technologies to help keep our physical, mental and financial health on track.
In this article we provide an overview of the current state of the Australian property market.
Traditionally, Christmas and the end of the year is seen as a time of giving to those less fortunate. But why stop giving at Christmas? We look at ways you can give in a meaningful way.
Australian Demographer Bernard Salt wrote an article for The Australian observing “young people who order smashed avocado with five grain toasted bread at $22 a pop and more”.
There has been a lot of media attention on inverted yield curves and what they say about an economy. Contrary to belief, it's not always an indicator of a looming recession.
We spend our life planning for what lies ahead, but it’s also important to think about what we leave behind. This article examines why it’s important to involve your loved ones in the discussion.
In today’s technology-driven world, we’re expected to be available, online, at any time. But with studies highlighting the impacts on our health, is it time to go offline?
The Research team provides a performance summary and commentary on each of the five main asset classes.
The 2019/2020 financial year introduces some new opportunities to save for your retirement through super. We also provide an overview of the ‘protecting your super’ legislation and personal income tax changes.
Find out what to consider when selecting your life insurance cover.
Want to get the most out of your tax return this year? Shadforth shares tax-efficient tips and strategies for EOFY 2020.
If you have a superannuation fund, you’ve probably been asked to nominate your beneficiary. Here’s what you and your family need to know.