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Oct 1, 2024 | 
yourlifechoices.com.au | Helen Baker
Virtually anyone can self-fund a happy, comfortable retirement regardless of how much they have. The trick is ensuring your financial foundations are sound and you have a comprehensive plan that covers not just your monetary assets, but everything else that is reliant on them too. Retirement is a time for family, leisure, travel and pursuing personal passions.
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Aug 13, 2024 | 
yourlifechoices.com.au | Helen Baker
YourLifeChoices is Australia’s most established and trusted digital publication for the 50+ audience, with a core focus on helping Australians navigate midlife and the retirement landscape. Since 2000, YourLifeChoices has been providing Australians with essential news, articles and retirement resources – and membership is FREE!
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Jul 15, 2024 | 
yourlifechoices.com.au | Helen Baker
Regardless of whether you are in the early stages of developing your transition to retirement strategy or have a long-established plan in need of updates, there are important considerations to factor in. Often referred to by its acronym TTR, a transition to retirement plan or strategy outlines the process of winding down full-time employment to commence retirement.
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May 7, 2024 | 
yourlifechoices.com.au | Helen Baker
Perhaps the biggest issue the Retirement Affordability Index highlights is how renters are forced to spend a much bigger proportion of their expenditure on keeping a roof over their head. Which has flow-on effects for every other aspect of retirement. While affluent couples – who can afford to buy larger homes in more expensive areas – spend 13 per cent of their outgoings on housing, that almost triples to 30 per cent for cash-strapped couples renting.
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May 6, 2024 | 
ifa.com.au | Helen Baker |Keith Ford
While the so-called bank of mum and dad – aka “the bank” – is not a new lender, it’s centrality to Australia’s housing market has exploded in recent years. In late 2023, a Jarden survey estimated it to be worth over $2.7 billion, tapped into by as many as 15 per cent of mortgage borrowers. Enabling more younger (particularly first) home buyers into the market, and to reap the long-term rewards associated with property ownership, is seen as a positive.
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Apr 10, 2024 | 
yourlifechoices.com.au | Helen Baker
Superannuation is the first thought when it comes to self-funding retirement. Yet it is hardly the one and only option for doing so. Just as we have choice in how and where we work to earn a living, so too do many people have choices in how to fund their retirement. It is possible and sometimes preferable to leave your superannuation untouched, allowing it to continue growing. Some or all of your income can come from alternative sources instead.
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Feb 26, 2024 | 
yourlifechoices.com.au | Helen Baker
Retirement is your time to enjoy life to its fullest and tick items off your bucket list. However, without good foundations in place, that dream voyage could become an unpleasant slog up a proverbial creek. Having worked hard all your life, the last thing you want – or deserve – is to board the retirement ship only to discover it’s riddled with worrisome leaks, unfavourable cargo or is sailing in the opposite direction from your dream destination. Don’t leave your golden years to chance.
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Feb 14, 2024 | 
yourlifechoices.com.au | Helen Baker
Fires, floods, storms and cyclones are part of Australian life. How you deal with their aftermath hugely affects your immediate wellbeing as well as your longer-term recovery. First and foremost, should disaster strike, ensure that everyone is out of harm’s way. Once safe, the following checklist will help you begin recovering from Mother Nature’s wrath while minimising any financial losses. 1. Compile identificationGather all the identity documents you have.
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Aug 13, 2023 | 
ifa.com.au | Helen Baker |Keith Ford
The vicious cycle of double-digit premium rises and dwindling policyholders leaves the advice industry – and the clients we represent – dangerously exposed.
Amid decades-high inflation and a cost-of-living crisis, it surprises no one that insurance costs are ballooning.
Yet substantial premium hikes predate our current economic woes and seem certain to persist – or potentially worsen – even as inflation subsides.
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May 18, 2023 | 
theceomagazine.com | Marie-Claire Ross |Candice Eaton Gaul |Jack Delosa |Helen Baker
Skip to content Menu Close One of the big issues that has percolated to the top of most leaders’ wish lists is how to keep good employees.
