First Financial Blog

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Reducing your retirement income

Posted on July 6, 2020 by First Financial

We discuss whether implementing the new reduced minimum for your pension payment is a viable option for this financial year. Reducing your retirement income is an important decision that can impact your lifestyle, so we have outlined some of the points to consider.

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Capital gains tax and superannuation

Posted on June 30, 2020 by First Financial

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.

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Tax time 2020

Posted on June 15, 2020 by First Financial

The end of the financial year is almost here… and that means it’s tax time! With 2020 being an extraordinary year, the ATO is already expecting that this tax season will be like nothing ever experienced before.

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Co“V”id-19?

Posted on June 12, 2020 by First Financial

March 2020 was an extraordinary month on the stock markets. The uncertainty surrounding a global pandemic saw the All Ordinaries index at 7,230 at close on 21 February… 30 days later we closed at 4,560 – a 37% drop.

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Understanding sequencing risk

Posted on June 9, 2020 by First Financial

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.

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Cyber scams during COVID-19

Posted on June 2, 2020 by First Financial

Scammers love to prey on people who are emotionally drained… and the heightened anxiety felt across our society during the recent health crisis has unfortunately provided them with new opportunities.

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Investing vs paying off your mortgage

Posted on May 25, 2020 by First Financial

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?

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First Financial team working from home

Posted on May 15, 2020 by First Financial

Working from home has become the new normal during the coronavirus lockdown, and the First Financial team has truly embraced the digital conditions to make sure our clients continue to receive our high level of service.

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Are banks 40% worse than in February?

Posted on May 13, 2020 by First Financial

Everyone’s wondering how the banks will fare as we inevitably head into a coronavirus driven recession. We have seen all 4 of the major banks’ share prices decline more heavily than the broader market.

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The emotions of market volatility

Posted on May 13, 2020 by First Financial

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.

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