Michael Clapham
Federal Budget 2022-23 Summary

Expanding eligibility to downsizer measures: Legislation has been introduced to reduce the downsizer eligibility age from 60 to 55. This measure will take effect from the first quarter after passing into law, which is expected to be 1 January 2023.

Federal Budget 2022-23 Summary
Michael Clapham
Shares sliding again – what’s driving it and is ...

Share market pullbacks are healthy and normal - their volatility is the price we pay for the higher returns they provide over the long term.

Shares sliding again – what’s driving it and is there any light at the end of the tunnel?
Michael Clapham
Six steps to building good financial habits

But adopting good financial habits isn’t always as easy as it sounds, start building good financial habits with these six steps.

Six steps to building good financial habits
Australians, Government, Superannuation, Budget
Michael Clapham
Federal Budget 2020 Snapshot

The Government has announced that it will bring forward stage two of the previously legislated tax cuts that were due

to take effect from 1 July 2022 by two years.

Federal Budget 2020 Snapshot
Boosting Finances, Lifestyle, opportunity, Saving Money, Wealth Creation
Michael Clapham
Your money goals and how to reach them

Not all financial goals are achievable or can be done in the timeframe you have set for yourself. Don’t trip yourself up before you start by being over ambitious or impractical.

Your money goals and how to reach them

#wealthcoach

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How to fund a child's education

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How to fund a child's education

Accumulating funds in a child’s name is generally not suitable as the unearned income of a minor is taxed at the top marginal tax rate.

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Tax Differences: Property vs Shares

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Tax Differences: Property vs Shares

This prompted me to think about the relative pros and cons of property and share investment in terms of tax.

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Would downsizing be worthwhile for you?

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Would downsizing be worthwhile for you?

Where you could save ‘Super”, “Mortgage”, “Utilities”

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Should The RBA raise rates to prepare housholds for highre global rates

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Should The RBA raise rates to prepare housholds for highre global rates

And so it’s been this week with a former RBA Board member arguing that the RBA should raise rates by 0.25% to prepare households for higher global interest rates and that the RBA should consider ditching its inflation target in favour of targeting nominal growth.

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Guide to superannuation and contributions

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Guide to superannuation and contributions

In this Guide you will find more information about contributing to superannuation, including information for those saving for a first home, on lower incomes or who are self-employed.

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End of Financial Year Super Strategies

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End of Financial Year Super Strategies

“Tax-deductible super contribution”

“Government co-contibution”

“Downsizer contribution”

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End of Financial Year Tax tips and return checklist

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End of Financial Year Tax tips and return checklist

An overview of the types of tax offset and deductions you may be entitled to claim plus some handy tax tips and hints.

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Investment Bonds - An Alternative to Super

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Investment Bonds - An Alternative to Super

Given changes to the amounts we can contribute to superannuation as of 1 July 2017, high income earners (those earning over $250kpa) may well benefit from considering investment bonds as an alternative.