Patricia Howard

Members only

Commonwealth Bank record result

Change in minimum pension settings

During the pandemic, the Federal Government was concerned what impact the pandemic related closures would have on the financial markets and with that, how it might impact on Australians’ retirement savings. In response, the Government felt it was reasonable to expect investment returns would be lower than in previous years,

Members only

What the reporting season tells us!

The No-Regrets Retirement Newsletter

While we are still getting use to the disappointment of cancelling the 2026 Commonwealth Games, there seems to be a bit of hope that while interest rates might still nudge a big higher, it does not look like the economy will avoid falling into recession. August of course is the

Age Pension Asset Test

If there is anything good to say about the recent spike in inflation, it is that it has prompted the Federal Government to upwardly review the figures it uses regarding the asset test, when calculating age pension entitlements. While it won’t have much impact on those already receiving an

Members only

Simplify your finances

Boosting your super

A recent report by the leading accounting firm, Deloitte’s, found financial ignorance is the biggest single issue facing older Australian’s planning their retirement, followed closely by the fear that they don’t have enough money to retire. The two issues of course go hand in hand. Most people

Members only

Greenwashing

Why is low unemployment a bad thing?

Later today the Reserve Bank will meet yet again to determine whether it should continue to push interest rates higher in its continued attempts to bring inflation down or sit on its hands and do nothing as it has for the past two months. Interestingly most analysts believe the key

The No-Regrets Retirement Newsletter

So with winter now well and truly upon us, the outlook for the Australian economy appears just as bleak, with interest rates still rising and little to suggest that will stop anytime soon. While you will read in my latest economic run down that the local rate of inflation has

Members only

Read this before you do anything

Members only

What are the pitfalls?

Members only

Can you really find green investments?

Members only

Where to now?

Members only

To hold or not to hold?

The No Regrets Newsletter

Yet again it feels we have raced into the middle of the year, with the weather turning decidedly chilly and the end of the financial year almost upon us. As a result, I thought it timely reminder to anyone who still has assets in a self-managed superannuation to really think

Members only

So what is a green investment?

Should you be receiving the age pension?

My father looked upon the age pension as a sophisticated savings account. He felt he had worked hard all his life and paid more than his fair share of taxes - taxes that the Federal Government effectively kept aside for his old age. That once he reached pension age, he

Time to close your SMSF

If you're sick of the ever-increasing cost of running and owning a self-managed super fund, here are five simple steps for closing your fund before the end of the financial year, which is just 30 days away. 1. Start today. The end of the financial year is just

Members only

Five tips for successful investing

Members only

Economic outlook for 2023

The No-Regrets Retirement Newsletter

As we are getting close to being halfway through the year, I think this is a good time to give everyone a bit of a booster concerning the economic outlook and more importantly where their superannuation sits among all the doom and gloom. There is no doubt that a large

Deeming rates

Will the Federal Government decide to lift the deeming rates inferred on assets held by those receiving the aged pension, in this month’s Federal Budget or later in the year? In calculating how much each older Australian receives by way of the Federal Government’s aged pension, Centrelink combines

Why super matters!

One of the most common statements I hear from people is that my super balance is so low, there’s nothing a financial planner can do for me when in fact, these are the very people that need my help the most. For people who feel like this, it is

Members only

Early Access to Super