Your super investment option should reflect your time horizon, risk tolerance and overall financial strategy.
Many people remain in default or “balanced” options for years without review. While these may be suitable for some, they may not align with your current stage of life or retirement timeframe.
As you move closer to retirement, the balance between growth and capital preservation often becomes more important. A structured review helps ensure your investment mix remains appropriate and aligned with your goals.
Other FAQs
Suppose you’re a builder who has only been operating and working for yourself for a year or so — but you’ve been working in the industry since you started an [...]
Yes. Financial planners are required to adhere to strict privacy and confidentiality obligations. Your personal and financial information is handled securely and used only for the purpose of providing advice.
Banks can only offer their own products and policies. A broker provides access to multiple lenders, helping you compare options and structure a loan that aligns with your goals and [...]
All investments carry some level of risk, but risk can be managed — not eliminated. Ways to manage risk include: Diversifying across asset classes Avoiding concentration in a single investment [...]
Now is always a great time to shop around or check that you have the right loan for your needs. We’re a great starting point. It will depend on what interest [...]
Approval timeframes can vary, but many asset and vehicle finance applications can be processed relatively quickly, sometimes within a few days. More complex commercial applications may take longer depending on [...]
Yes, many lenders offer finance solutions specifically for businesses, including sole traders, partnerships and companies. The structure of the loan will depend on factors such as your business financials, trading [...]
Most banks do not allow extra repayments on fixed loans. Some banks allow you to make extra repayments on your fixed home loan of up to $10,000 per account which can be [...]
There isn’t a single number that suits everyone. The amount you need depends on your lifestyle expectations, housing situation, health, travel plans and whether you expect to receive any Age [...]
General information is broad and educational. Financial planning provides personalised advice, based on your specific circumstances, goals and risk profile — helping you make decisions that are appropriate for you.
Financial planning may assist with: Setting clear financial goals Superannuation strategies Investment planning Personal insurance and risk protection Retirement planning Cash flow and budgeting Estate and legacy considerations Advice is [...]
In some cases, yes, the lender may ask for a letter of employment to prove your current and future employment status, namely: How long you have been a teacher. Whether [...]
Borrowing capacity for an SMSF commercial property loan is assessed differently to a standard home loan. Lenders will typically consider a range of factors, including: The SMSF's existing balance and [...]
It’s natural to wonder whether markets are at the “right” level before investing. However, consistently trying to time market highs and lows is difficult — even for experienced investors. A [...]
You can spend less time saving for a deposit or even not need one at all, so you can get on the property ladder sooner You can borrow up to [...]
