13th Apr,2018
Article By
Clearway Advice and Financial Management

April | Money Matters Newsletter

A GOAL WITHOUT A PLAN IS JUST A WISH

 
Planning is an essential part of any achievement or success and we’re in the business of planning, it’s what we do. Whether you’re looking at retirement, managing debt, investing or simply what to buy at the supermarket, planning is vital.

In this newsletter, we begin with an in-depth budget breakdown of retirement living according to the Association of Superannuation Funds of Australia (ASFA) Retirement Standard. The information within this article highlights that your age, marital status and lifestyle can play an important part in influencing how much you may need to fund your retirement.

There are many different types of debt in the market, each designed with a specific purpose in mind. In our animation, we explore the importance of appropriate debt management. When it comes to constructing an investment portfolio, there are many considerations that are taken into account. An increasingly prevalent consideration is the desire by investors to hold investments that align with their personal values. Consequently, we discuss Environmental, Social and Governance (ESG) investing.

At some point in your life you may have visited the supermarket and come away with more than you had originally anticipated, we look closer at tactics utilised by supermarkets in this regard. Lastly, we leave you with a video by a very talented individual that serves as a useful metaphor for the management of all the different areas of your personal finances.

It’s also worth noting that, due to the recent announcement by the Labour party, there has been much talk of late regarding imputation credits. Please see our Tax and Structures module for details on the existing rules.

 

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ClearWay Advice and Financial Management provides financial planning advice across Far North Queensland with offices in Innisfail and Mission Beach.

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