A permanent injury or illness can make it difficult or impossible to return work. TPD insurance can provide a financial safety net to help support you and your family, and pay for medical and rehabilitation costs. What TPD insurance covers TPD insurance pays a lump sum if you become totally and permanently disabled because of […]
By Tony Kaye, Senior Personal Finance Writer, Vanguard Australia Having enough superannuation to enjoy a financially comfortable lifestyle in retirement is the aspiration of most Australians. As the super system continues to mature, and with the benefit of compounding investment returns, average retirement savings balances are rising. But an interesting finding in the federal government's […]
In Australia, the retiree client group is growing in size and it is essential that financial advisers have the right tools and resources to meet their particular needs. As such it is important to understand the motivations and drivers behind the behaviour of retiree clients as they move from accumulation to decumulation. To help financial […]
In this modern age travelling is a lot more accessible, we are now able to become those very adventurers we read about. However during difficult times, like unexpected illness, or problems outside of your control, like the 2019/20 COVID pandemic, you may not be able to travel around the world or visit your favourite museum. Luckily, […]
By Tony Kaye, Senior Personal Finance Writer, Vanguard Australia Listed infrastructure companies have long had a reputation for providing stability to investors, because the revenue streams they generate from their large customer bases are generally secure. Those revenues generally translate into stable high dividend yields, which in an environment of record low interest rates is […]
By Tony Kaye, Senior Personal Finance Writer, Vanguard Australia COVID-19 has completely, and mercilessly, dictated the direction of economies and financial markets through most of this year. So, as we rapidly approach the end of an extremely unpredictable and volatile year, what's in store for 2021? It should come as no great surprise that the […]
COVID-19 has seen greater engagement between advisers and clients, with an additional 500,000 non-advised Aussies saying they intend to seek advice compared to 12 months ago. If your car engine sounds dodgy, you see a mechanic. If you’re unwell, you see a doctor. If you’ve got a tooth ache, you see a dentist. But what […]
Whether you're looking to renovate, invest or pay off something big, home equity can be a valuable resource when it's used correctly. The equity in your property can be a valuable resource, as it may allow you to secure finance to achieve your goals, whether they be investment or lifestyle-oriented. If it’s something you’ve been […]
Some cryptocurrencies have experienced a surge in value (and interest) since the pandemic. Still, for me, there’s a long way to go before it becomes clear how to determine their fundamental value. Even the Reserve Bank is talking about cryptocurrency, having announced late last year it is exploring the potential use and implications of a […]
This is a common question people have when thinking about getting financial advice. The general answer is financial advice can help change the way you feel about your money and financial future. It can give you peace of mind, knowing that this part of your life is under control. "I have so much confidence in my […]