Episode 50 – Our Top 50 Finance Tips!
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by Zac Masters
4y ago
  To celebrate our 50th episode we thought we would do a quick fire episode of our top 50 financial tips. Find the tips below and the full transcript of the episode below that!     Start Today Start with the end in mind Put regular savings towards your future Automate your regular savings Diversify your investments Understand your risk profile Get your structure right Have a rainy day cash buffer Have goals to work towards Don’t be a reactive seller Start saving for children as early as possible Structure your portfolio to meet your objectives, not someone elses Teach your children about f ..read more
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Episode 49 – Money Tips For Second Marriages
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by Zac Masters
4y ago
  Getting married for a second time can cause complications financially, especially if there are children from a previous marriage. It should be something that is discussed so that everyone is on the same page and therefore avoids problems in the future.   In this episode we discuss some things you should be thinking about in relation to your finances if you are getting into a second relationship or marriage. We talk about things such as:   Estate Planning including wills and binding financial agreements. How to have a discussion about your finances with your partner Yours, mine, ours appr ..read more
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Episode 48 – The New Retirement Mentality
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by Zac Masters
4y ago
  In this episode we look a the changing landscape of retirement and why we should be planning earlier than ever and putting plans in place so that we can achieve our retirement goals.      Retirement has changed. Decades ago the average retirement age was 65 and the average life expectancy was 63, meaning that a majority of people would not ever reach retirement. Now rather than seeing retirement as a time that we’re stopping work and starting doing ‘nothing’, people are looking at retirement through a different lens, as though they are beginning a new part of their life.      The facts ..read more
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Want to Wind Up your SMSF? Read this first
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by Rhiannon Kanoniuk
4y ago
The decision to wind up your SMSF is one that should be made after careful consideration of your whole financial situation and implications of starting the process. There are many reasons you may wish to wind up your SMSF, including: The time and administrative burden has become too much The balance of the fund means the cost economics do not stack up anymore Life events such as relationship breakdown or death Trustees wish to move overseas Prior to starting the process to wind up, you should first consider: Are there any Centrelink implications of wind up? For example, you may have a more fa ..read more
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Episode 47 – The Debt Series Part 3 – Ages 55+
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by Zac Masters
4y ago
In this episode we look at the age group of those 55 and above. The issues that can affect this group and some ways to combat those problems whilst also looking at some strategies to use debt for your advantage, Entering retirement, owning your own home and being completely debt free is for many people the great Australian dream. But with lifestyles changing and living expenses on the rise, it is not necessarily possibility for everyone, and many people enter this stage of life with a mortgage. Some of the strategies to consider for those above 60 would be to get pro-active with their debt st ..read more
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What happens to SMSF benefits in the event of a divorce?
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by Pete Pennicott
4y ago
What happens to SMSF benefits in the event of a divorce? Divorce or relationship breakdowns have a significant impact on superannuation benefits as a result of the potential changes to individual member accounts. As the underlying circumstances of each relationship and corresponding superannuation benefits are unique it really is a case by case scenario as to what the final outcome will be. The outcomes are largely influenced by the how amicable the parties are and whether clearly documented and agreed terms as to what happens in the event of a relationship breakdown exist. Superannuation is o ..read more
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In the Press – Keep your money clean
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by Pete Pennicott
4y ago
This week Pete was written about on financial website finfeed talking about responsible and ethical investing and the top factors to look at when considering ethical investments. To read the full article go to https://finfeed.com/features/keep-your-money-clean   In the article it talks about: ” The first and most important factor is doing your research – be aware of ESG (Environmental, Social, Governance) metrics, investment screening, and whether any underlying investments in prospective funds line up with your ethical views. This is of significance because how you define ethics and sustainab ..read more
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Episode 38 – Smart Superannuation Strategies to Boost Your Super!
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by Zac Masters
5y ago
    After getting over the hump of EOFY, it is a good time to plan out your superannuation strategies for the coming financial year. There are many different ways that you can contribute to super so it’s important to get your head across all the different ways and choose which option will benefit you the most.        Why is super so good to have your money in and who is it best for? For most working people super is a much better option to invest in from a tax perspective due to earnings being taxed at 15% in accumulation phase which is a lot less than most people who are working full time ..read more
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Episode 37 – Ethical & Sustainable Investing – Is There Money To Be Made?
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by Zac Masters
5y ago
Now days a lot of Australian’s are looking to invest in more ethical and sustainable ways and that is what we discuss on this week’s podcast. People are becoming more and more aware of thing such as climate change and different ethical issues that the world is facing and there investment choices are reflecting that. In the 2019 Responsible Investment Benchmark Report produced by the Responsible Investment Association of Australasia it says that in 2018 the responsible investment market grew by 13% to $980 billion which is 44% of the total professionally managed assets under management whi ..read more
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When your credit card debt sends you running for cover
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by Kebrasca King
5y ago
For many, credit cards are a simple way to fund your ideal lifestyle. Whether this comes in the form of new technology, luxurious getaways or that shoe addiction you can’t quite admit to yet, your credit card acts as your golden gateway, right? While this might be a great solution for the short term, your credit card shortcut also holds the potential to end you up in hot water, particularly in terms of managing the outstanding debt it almost always generates.  So, what should you do when your credit card debt sends you running for cover? Here are some options worth considering… Stop the spend ..read more
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