Patricia Howard

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Creating the Right Mindset in Retirement

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Woodside Update

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Another Reason to Close Your Self-Managed Super Fund

The Banks' Big Payout

Something that was almost overlooked by the media in recent weeks, is the fact the three big banks, ANZ, Nab and Westpac, all reported their half yearly profits this month with the CBA doing so a few weeks earlier. So, with interest rates on the rise, inflation hitting a record

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The Golden Rule Of Investing

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Will you run out of money in retirement?

Why the economy is suddenly all about interest rates

While Australia has been enjoying record low interest rates for some years, the sudden jump of the annual inflation rate to 5.1 per cent this month, has ignited fears of a sudden interest rate hike. This is because the inflation rate, or how quickly prices are increasing, is a

Time is running out to close your SMSF

Procrastination is the biggest enemy to building wealth and this has never been truer then when putting off closing that expensive, time-consuming self-managed super fund that you are sick of owning. While there are many good reasons for establishing a self-managed super fund, particularly if you are self employed, these

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Lithium: The gold of the 21st Century?

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Paying tax in retirement: think again!

The No-Regrets Retirement Newsletter

Welcome to the April 2022 edition of new, bigger, better version of my monthly newsletter. Simply click on the view-online button above to read the following articles in full or visit https://patricia-howard-financial-planning.ghost.io/ Economic Update The Federal Government's 2022 budget provided an interesting insight to the

Economic Update

The Federal Government's 2022 budget provided an interesting insight to the strength of the domestic economy and the Government's efforts to further boost long-term efficiencies. Basically, the economy has not just bounced back from the impact of the pandemic, it has bolted back! Economic growth is

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A Beginners Guide to Cryptocurrency

Record high pension increases!

The Federal Government has lifted the aged pension rates by $20.10 to $ 987.60 a fortnight for single pensioners and by $30.20 to $1488.80 a fortnight for couple pensioner. This is the largest increase since 2013. Both amounts will be further boosted by the minimum pension supplements

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Is the Retirement Income Covenant A Pact with the Devil or with God?

Could you be saving big time?

Following on from my post last month about the various pension cards that are available to older Australians, one of my clients pointed out a very good tip during the week. The Seniors Card is available to all Australian's age over 60 and working less than 35 hours

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Are you Paying Taxes in Retirement when you don't need to?

The No-Regrets Retirement Newsletter

Welcome to this new, bigger, better version of my monthly newsletter. Simply click on the view-online button above to read the following articles in full or visit https://patricia-howard-financial-planning.ghost.io/ The Russian invasion of Ukraine: What it means for your investments While it's easy to dismiss the

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Russia's invasion of the Ukraine: What it means for your investments

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The Great Dividend Deluge

The Greening of Australia

While it might be too early to write this, it is quite possible that this decade will see the great greening of Australia, the decade when all electricity production in this country is created from renewable energy. The financial opportunities, not to mention the global imperatives, appear to be prompting

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Super contribution changes become law

Are You Missing Out ?

Once you retire, its very common to hear among your retired friends that they are regularly getting discounts on everything from pharmaceuticals to holiday accommodation to ski lift tickets. This of course leads to one of the worst emotions you can have in retirement. Fear of missing out. So I

Divorce Just Got A Little Less Expensive

While there is no avoiding the fact that the Family Court system in Australia needs a massive overhaul, at least two steps have been taken in the right direction by the Federal Government. Effective from April 1, it will be possible to apply to the Courts to obtain complete details

The No-Regrets Guide to Retirement newsletter

Welcome to this new, bigger, better version of my monthly newsletter. Simply click on the view-online button above to read the following articles in full or visit https://patricia-howard-financial-planning.ghost.io/ The Russian invasion of Ukraine: What it means for your investments While it's easy to dismiss the