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Have you ever considered that you might outlive your retirement savings? Studies conducted by the World Economic Forum have found that many Australians will have only saved up enough in their superannuation to last 10 years – but are living at least 20 years beyond retirement. If you are one of the many Australians who has not considered this issue, now is the time to start planning. A Little Pension History Government funded retirement pensions date back to 1909 when it was paid...

Retirement planning in Melbourne is a costly venture, especially if it involves securing a property or two. Even aiming to own the most modest real estate is no small feat given its increasing prices and high demand. It is no wonder that average Australians seldom dream of owning a property for their retirement. Fortunately, with fractional investment, you may be able to turn this dream into a reality.

Pay yourself a BIG favour Pay more into your superannuation and achieve fantastic rewards. Are you contributing enough to you super fund? Probably not. Recent research highlights the reality that most members, do not make voluntary contributions to their super fund. A recent collaboration between big super companies shows how over 2.3 million Aussie members manage their super fund accounts. Only 12% of members receiving compulsory super guarantee 9.5% - called ‘SG contributions’ – are making extra payments. Even though you...

Imagine paying large sums into an investment strategy and getting nil in return. Well, if your Super is invested in shares, that’s exactly what’s happening right now. Property investing has proved to be at a great advantage to investing in shares, which have made nil income during 2018; in fact, they’ve not been able to catch up since the 2008 GFC. We believe the next GFC has already arrived which is why we at Safe Super Homes do not promote putting...

We are all aware of why Melbourne & Sydney are experiencing exceptional population growth, yet Aussies have the lowest population growth on record. When will we experience the next property boom? Growth is mostly caused by our immigration program. In 2017 and 2018, 152,000 migrants arrived in Melbourne. That's about 2,900 new Australians per week, all looking for the safest place to live and raise their kids. They have all passed Australia’s immigration department tests. They bring wealth, diversity, knowledge and willingness to a...

Saving up enough money to enjoy your retirement is a major accomplishment that’s worth celebrating. And contrary to the popular stereotype, ‘retired’ doesn’t mean ‘old’. You still have the same momentum and energy you had last week, but now that you’re not expected at work every day you have the free time to enjoy it. So, what are you going to do with yourself? 1. Start an exercise regime. The worst thing you could do is sit on your bum for the...

It’s rarely a good idea to put all your eggs in one basket; you never know what the future will hold. Your best bet is to diversify your investments. But we know from experience that the share market is too unstable to assure your financial security and so we throw ourselves into the property market whole-heartedly. The question is: if you only want to invest in property, how do you manage diversification? Property is the largest real asset class in the...

  Each type of superannuation has its own features – some better, and some worse. Setting up a Self-Managed Super Fund ( an SMSF ) provides unique wealth creation opportunities. An SMSF gives you better capital growth and better tax deductions. You are the trustee of your own money and that gives you many financial advantages. Perhaps the biggest advantage of an SMSF is your active control over your own investment decisions. I am a former lawyer and I majored in Economics at uni....

One of the key advantages of superannuation investing is also seen as one of the key disadvantages. Many people complain they can’t access their superannuation until they retire, but this rule also means that your super account’s investment earnings are invested regularly for a long time. Keeping your investment earnings in your super fund for 10, 20 or 30 years, or even longer, means you’re building a much bigger nest egg for your retirement than you could have achieved if...