Retirement planning - it's not all about the money
Retirement is not all about money.
Retirement is often a massive life change for the majority of people who experience it. Most of us will have mixed emotions around the end of our working life and the beginning of our 'second half'. For some it will be a relief, and something they have long planned for and are looking forward to, but for others it will be a source of anxiety.
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How Do Rising Interest Rates Impact Your Borrowing Capacity?
Interest rate increases have decreased people’s borrowing capacity.
What impact does this have on property prices?
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Is the world going to explode?
Is the world going to explode?
This is the view of some investment experts, if the Fed were to announce a 1% rate hike this evening.
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Age Pension Increase
Our Newcastle Financial Planners discuss the recent increases to the Age Pension, how this may affect you and when is it time to review your retirement plan?
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Market Update - September
Our Newcastle Financial Planners provide a market update and provide insights into what is next for the economy and how you can position your portfolio to take advantage of the opportunities.
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RBA increased rates by 0.5% in September 2023
RBA increased rates by 0.5% today.
This will see an average repayment on a $800,000 mortgage rise to more than $4,300 per month, which would be an increase of $1,000 since April.
So where are interest rates going? How will this affect property prices? and are you prepared?
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Where are interest rates going?
It has now been a week since we have had the Fed Reserve chairman Powell came out and shook the confidence out of the market, after the market was filled with optimism amid signs that inflation had peaked. Powell reiterated the Fed’s policy stance will be sufficiently restrictive to return inflation to 2%.
So where are interest rates going? How will this affect property prices? and are you prepared?
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Smart Super Strategies
We continue to support and educate many about how they can use their superannuation better.
We outline five key strategies that have worked for many of our clients and may benefit you.
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Client Stories - Part 2
We wanted to share with you some of our client stories, to provide a snapshot of what we do and how we support our clients.
Part two of the series dives into a couple looking to retire.
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Client Stories Series - Part 1
We wanted to share with you some of our client stories, to provide a snapshot of what we do and how we support our clients.
Part one of the series dives into a couple looking to retire.
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Helping you navigate the uncertainty of current investment markets
Helping you navigate the uncertainty of current investment markets.
Find out what our Lake Macquarie Financial Planners do to support their clients during times of uncertainty.
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How a unit block easily explains retirement and investments
How does an apartment building explain retirement planning?
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Are the markets about to be blown up?
Is Powell about to blow up the markets?
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Market Update
This week, markets face what could be the most import week in recent memory.
With the Fed, Earnings and economic data set to be released.
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Are you a victim?
We are called to be architects of the future, not its victims.
If we don’t… we are nothing more than victims to governments, jobs, inflation, Covid, and… fate.
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RBA makes third rate rise
RBA has lifted the cash rate.
Interest rates have risen over 1.25% over the past three months.
This will cost a family with a mortgage of $500,000 over $340 extra per month.
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Never waste a crisis
Never waste a crisis.
Our current situation is very different to 2008, which was caused by lending excesses in the US housing market or the pandemic related collapse of 2020.
Our Newcastle Financial Planning Advisers discuss the factors at play in 2022.
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Here are 5 thoughts for Financial Freedom
Our Lake Macquarie Financial Planning advisors continue to help people around Australia achieve financial freedom and this is what continues to motivate us each and every day.
To support you, here are 5 thoughts on Financial Freedom…
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How do I inflation proof my retirement?
How do I inflation proof my retirement?'
Inflation measures the change in the cost of living over time. There’s a good chance the spending power of the income you have now will be reduced by inflation during your retirement because the costs of goods and services will rise.
Part of maintaining your lifestyle in retirement is making sure your retirement income can keep up with inflation.
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