The No-Regrets Retirement Newsletter Welcome to this my last newsletter for the calendar year 2022 and what a year it has been! While I am sure 2023 will be a big improvement of this year it will bring its own issues. As a financial planner I am focused on helping my clients get as
Are you thinking of downsizing? The Federal Government has now passed legislation to reduce the eligible age from which Australians can take advantage of the downsizer super contribution rules from 60 to 55 years of age – the second reduction this calendar year. In addition, the government will extend the asset test exemption period on the
Will you be impacted? It’s been a long time since there has been so much uncertainty surrounding the domestic economy and with that, the share market and investing generally, as there is, looking to the year ahead and the potential impact of higher inflation. The sudden eruption of domestic inflation, largely caused by
The No-Regrets Guide to Retirement Newsletter As the Federal Government's October budget highlighted, as bad as things are, they seem likely to get worse with economic economic growth set to stall, unemployment to rise and the cost of living to explode. Growing geo-political unrest and rising inflation around the world are the two inescapable
The October Budget The October Budget is interesting more for what it tells us about the future, than it is for what telling us what the Government might be doing in the next few months that might impact on investors and retirees. Of all the numbers in the budget forecasts figures, the two
The No-Regrets Guide to Retirement Newsletter The economic storm clouds are darkening. The war in Europe is getting worse rather than better, the economy in the United Kingdom is suddenly at crisis and higher inflation is still pushing interest rates up around the world. However, with export earnings at record levels and domestic employment demand high,
The Great Optus Hack While The Great Optus Hack is a wake up call to all businesses to ensure they guard all client information appropriately, I want to start by expressing my deep concern and support for any individual who has been impacted by this. Like most financial advisers, I have been contacted by
Just how much can I put into super? Earlier this year the Federal Government removed the hitherto cumbersome 'work test' that basically stopped anyone in retirement from contributing additional funds to super. This means even if you are in retirement and still under age 75 years of age, you can now contribute funds, such as any
SMSF's: The biggest pitfalls Too often people are enticed into setting up a self-managed super fund on the suggestion it will give them greater control over their underlying investments and allow them to invest directly in real estate assets. As readers of this newsletter know, I don't believe real estate is an
Red flags in Your Relationship Surprisingly, four out of ten Australians are unaware of their partners wealth, according to the finance comparison site, Finder. That is a terrible statistic even for those who think they are otherwise happy in their relationship. Every person who is in a long-term relationship, owes it to themselves to fully
The No-Regrets Guide Newsletter Whatever you do, don’t panic! It’s tempting to think the economy, and the world generally, is suddenly going to hell in a hand basket, and threatening to take everyone near or in retirement with it. The main thing is, don’t panic. As you will read in this
The Big Australian The Big Australian Pays Up The federal government is expected to report an astonishing $120 billion in company tax was collected during the past financial year, when it reports its first budget papers next month. Perhaps more astonishing is the fact that one company, the giant mining company BHP is
Five steps you must take Five steps you must take in a downturn Economic downturns are always tough on everyone in the community, but they are particularly tough for older Australians trying to get by on a fixed income, generated by their retirement savings. If you are concerned as to how you will get by
The Get Rich Slowly Club The Get Rich Slowly Club So much about modern life is about being fast - fast food, fast cars, fast lives and fast investments that promise to make you get rich quick. Yet I’m thinking of creating the ‘Get Rich Slowly’ club. This is where investors simply invest their
The No-Regrets Newsletter Welcome to the August 2022 edition of the No-Regrets 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/ If you would like to read all the articles in this newsletter, why not take advantage of this great offer
