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It is hard to believe the year is half over. What a six months it has been!

For those of you looking to retire in the near to medium term, the COVID-19 crisis may have you reconsidering your plans. Our first article spotlights why insurance is an important part of the plan. We also discuss the pros and cons of downsizing to contribute to your super.

With the current level of market volatility we look at market timing. Being disciplined means sticking to your investment plan and rebalancing where necessary (although not on a daily basis).

There are some tips on budgeting smarter and we have some suggestions on sleeping better at night.

We love to hear from you, so please feel free to contact us with any questions about our articles in this newsletter on Ph: (07) 3026 3600 or email

Kind regards,


Why it’s important to think about insurance ahead of retirement

If retirement’s coming up on your horizon, the impact of COVID-19 (coronavirus) may have thrown a warehouse-sized rack of spanners in your planning.

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Understanding the dangers with downsizing and super

There are often upsides and downsides in any piece of legislation, especially when it comes to superannuation.

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The trouble with market timing

In his book The Little Book of Common Sense Investing, Vanguard founder Jack Bogle included a very apt quote from Warren Buffet on the matter of market timing. And that is, "for investors as a whole, returns decrease as motion increases".

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Budget smarter with the 50/20/30 rule

Looking at your spending in a new light could make a substantial difference to your financial future. The 50/20/30 budget rule works for one main reason – it’s easy.

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11 tips to sleep better at night

Sleep – one of the most naturally powerful performance enhancers to humankind.  But why do so many of us struggle with getting restful sleep?

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