by HCFP | Sep 13, 2019 | Superannuation
Now you can put more into super at the concessional rate of tax, starting from the 2019-20 financial year Putting more money into the tax-friendly framework of superannuation to help you enjoy a fulfilling retirement… it’s one of those things that seems like a no...
by HCFP | Sep 13, 2019 | Retirement Planning
When you access your super at retirement your super fund may ask you to sign a declaration stating that you intend to never be employed again. But there may be compelling reasons why someone would subsequently return to work. According to the Australian Bureau of...
by HCFP | Sep 13, 2019 | Retirement Planning
Whether you choose or need early retirement, having a plan can give your money the best chance of lasting the distance. Whether lifestyle preferences or circumstances beyond your control are behind your decision to retire early, you’ll need to make a plan to help your...
by HCFP | Jul 5, 2019 | Superannuation
Superannuation is generally intended to help fund your retirement, but there are instances where you may also be able to withdraw your super savings early, depending on your situation. Here is a high-level summary as to when super may be accessible to you. When you...
by HCFP | Jul 5, 2019 | Savings
Did you know there are 293 ways to make change for a US dollar, but only 50 for an Australian dollar? Cashiers in America must have jumped for joy when debit cards became the rage. Is your bank taking you for a ride? We all have our own methods of saving money. Some...
by HCFP | May 3, 2019 | Retirement Planning
How to keep your finances on track once you leave the workforce When you’ve worked hard all your life to build up your nest egg, the last thing you want to do is fritter it away too quickly. In this article, we look at the common money mistakes people in retirement...
by HCFP | May 3, 2019 | Investments
Saving money doesn’t just happen, but these steps could help you to reach your saving goals sooner. How Australians save Research has found that almost three quarters of Australians surveyed save by putting spare money into a savings account, whether they do this...
by HCFP | Mar 12, 2019 | Superannuation
Choosing the right super investment options at the right time could make a difference to how much money you have when you retire. When it comes to your superannuation, the investment options you choose today and in future may impact how much money you retire with. If...
by HCFP | Mar 12, 2019 | Financial Planning
We check out the three largest contributors to household spending in Australia and where people would source additional cash if living expenses rose. If you worked a full-time job in Australia in 1975, the average amount you would’ve earned a year was about $7,600,...
by HCFP | Mar 12, 2019 | Uncategorised
Many younger Australians are joining the Financial Independence, Retire Early (FIRE) movement. Is it right for you? When you’re starting out in the workforce and building your career, retirement can seem like a long way away. And with the age at which you can access...
by HCFP | Mar 12, 2019 | Insurance
hat impact do factors like your weight, age and smoking status have on your ability to buy life insurance? Life insurers take into account a number of different factors when assessing insurance applications, but asking your insurer about the impact these factors...
by HCFP | Mar 12, 2019 | Debt Management
Here are some tips to start paying off your debt $45 billion. That’s how much Australians owe on their credit cards.i Now, perhaps that’s no drama if we’re not paying too much to access credit and we’re managing to avoid interest charges by paying back what we owe on...
by HCFP | Mar 12, 2019 | Financial Planning
It’s a pity there’s no handy ‘How to’ book to teach you about adult life, especially when it comes to finances. It’s something that you need to learn on the job. To make the task easier, here’s a breakdown of the three trickiest areas to get to grips with in your...
by HCFP | Mar 12, 2019 | Financial Planning
If you’re like three out of four Australians, you may have started the year without a proper budget.i Research indicates that over a third of us believe budgeting is too much effort and almost one in five Aussies say budgeting takes too much time.i Here are some easy...
by HCFP | Nov 13, 2018 | Financial Planning
– nearly 1 in 3 affected Close to one in three Aussies is feeling the pinch financially, with money worries reportedly leading to sleep loss, conflicts in relationships, isolation, as well as a range of other things.i These were the findings from the inaugural...
by HCFP | Nov 13, 2018 | Investments
Investing with your child can help them build a nest egg and improve their financial literacy. Gifting your child with a nest egg of investments is a wonderful idea, and will no doubt give them a kickstart into adulthood. But some experts say we may be approaching...
by HCFP | Nov 13, 2018 | Insurance
Life insurance is usually not something people think about until they begin to accumulate assets, debts and dependants. And there can be a fair amount of information to sift through, including some little known and commonly misunderstood facts. But you shouldn’t leave...
by HCFP | Sep 4, 2018 | Financial Planning
Children learn a lot from their parents when it comes to money—arm yours for financial success. When it comes to money, your own behaviour and attitudes can strongly influence your kids. Help your kids to be money smart by demonstrating positive money habits and...
by HCFP | Sep 4, 2018 | Superannuation
If your other half is a stay-at-home parent, working part-time or out of work, adding to their super could benefit you both financially. If your spouse (husband, wife, de facto or same-sex partner) is a low-income earner or not working at the moment, chances are...
by HCFP | Sep 4, 2018 | Investments
There’s a lot to consider when buying an investment property or home, especially for the first time. Have you been saving for a long time and feel ready to get into the property market? Maybe you’re considering buying a home to live in or investing in a property...
