Taxes… they are one of the two certainties of life. You can’t avoid them, but there are ways to reduce your liability… especially when it comes to capital gains tax. We look at strategies within your super to help minimise the amount of CGT you pay when you successfully sell your assets.
Sequencing risk can impact your retirement income… but our unique Investment Philosophy allows us to build portfolios that are robust enough to withstand the market volatility that triggers the effect.
Owning your home outright is often a key financial goal for many Australians. But should you be solely focused on paying your mortgage off early to save on interest costs? Or are there other ways to optimise the spare dollars you have?
When you start investing in the share market, you embrace the process with optimism. Unfortunately, market volatility can dent your optimism and set you on a roller-coaster of emotions.
During March and April, we have seen acute market volatility, and for many investors this has been cause for concern. But at First Financial, our unique Investment Philosophy has helped to minimise the effect on our clients’ portfolios.
Redundancy can be a life changing experience filled with many mixed emotions. The uncertainty of unemployment can feel overwhelming, but by taking control of your finances you can secure your lifestyle today and into the future.
Agreed value income protection policies have been costing Australian insurers dearly. So much so, that the industry regulator, APRA, intervened in December 2019 to put into effect several changes.
Reducing expenses and saving money might seem like an impossible task in the current climate… but there are some practical steps you can take today to help create habits that will benefit you far into the future.
Happiness… the state of being happy, cheerful, contented. Enjoying a pleasurable or satisfying experience. It is definitely something that we all strive for – to be happy. And when we reach our retirement, we really want to make sure that we achieve it!
As the workforce changes, many people are regularly moving between jobs… and with every new employer, it’s not uncommon to leave the set-up of superannuation to the accounts department. Therefore, it’s entirely possible that by the time you reach the age of 40 you may have multiple super funds.
