The Independent Adviser

Personal Finance

Investing lessons from the election

Few companies or investors expected the recent Coalition Federal election win but many were apprehensive about Labor’s proposed changes.  So anxiety about franking credits, capital gains tax and superannuation policy stability has now eased.  What does the next 3 years now hold for investors? The election result reinforced some investing...

Constructive Grandparent Gifts

Adelaide’s Christmas pageant is this week, so minds will soon turn to Christmas gifts. Are you a grandparent, parent or adopted ‘aunt/uncle’ to young children? Perhaps you’d be interested in a constructive gift for them that could start a shared discussion for many years ahead? Older folk usually have wisdom...

6 Steps to Happiness

We recently heard two interesting speakers recently on the topic of ‘happiness’ – what it is and how to ensure you enjoy it. Dr Tim Sharp (Dr Happy) and Dr Melissa Weinberg work in the area of positive psychology. You can find out more about Dr Happy here and Melissa...

Do Women Need Different Financial Advice to Men?

If you’re a woman earning an income in Australia, then you’re likely to retire with less super to enjoy than your male counterparts. Australian women retire with 46% less super than men, on average. This is largely because women usually retire earlier, earn less and are more likely to take...

Are you financially fit?

Want to check your financial health? Let’s start with the key behaviours that influence wise money decisions… What you know about money matters is ‘financial literacy’. But desirable financial outcomes require more than this… they need the wise application of that knowledge. Unfortunately, there is a yawning gulf between ‘knowing...