Opal Advice
Financial Planning Toowoomba
As we get older, most of us want to remain independent and in our own home for as long as possible, but this can be challenging without some help with household tasks and personal care. Recognising this, the government runs a Home Care Packages program where approved aged care service providers work with individuals to …
Buying your first home is always a big step, but with property prices rising faster than pay packets taking that first step seems more challenging than ever. National house prices rose 20 per cent in the year to September, the fastest growth since 1989. Higher prices have also fanned out from capital cities to the …
For many people, there’s much more to choosing investments than focusing exclusively on financial returns. Returns are important, but a growing number of people also want to be assured that their investments align with their values. Everyone’s values are different but given the choice most people would wish to make a positive difference to their …
How much superannuation you stash away over the course of your working life will play a crucial part in what life looks like in your retirement years. Depending how far off retirement might be for you, it can be tough to know whether your saving efforts and the investments being made by your superannuation fund …
Around the world, markets lost 5% or worse just last week. Year to date, the S&P 500 is down more than 23%; the Russell 2000 small caps are off more than 26%; Emerging markets are down almost 28%; and the Nasdaq Tech index is off more than 31%. All jokes aside, September has lived up …
Find out how the expected age of retirement impacts Australia’s labour force, consumption patterns, public finance and economic growth. Meeting the changing needs of older people in terms of housing, support services and work arrangements is a significant challenge facing Australia. Demographers, economists and policy makers are increasingly concerned about the ageing population and the …
When it comes to your finances, there are a couple of ways to sabotage yourself. One is not putting enough thought into it. The other is putting too much thought into it. Overthinking – becoming obsessed with minor details, twisting yourself into a pretzel, getting overwhelmed with choices and doing nothing – can be just …
