Your money behaviour – avoiding the traps

Managing your money behaviour, and avoiding common behavioural traps, can help you put the right foot forward when it comes to long-term success with money.

Why do mature women make better investment decisions than young men? Why does trading shares online bring worse results than the old fashioned way? Why do we all think we’re better-than-average with money (and other areas of life)? And what can we do about it?

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Save for Set Goals

While the idea of setting aside a portion of your income for a rainy day is an appealing idea in theory, in reality most people find it hard (if not downright impossible) to develop and stick with a responsible savings plan.

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Home Loans and Additional Repayments

Why Make Additional Repayments?

The ability to make additional repayments on a home loan is an important consideration for anyone taking a loan as regular additional repayments have the potential to save thousands of dollars over the life of your loan. Making additional repayments significantly reduces the length of the loan, resulting in potentially huge savings in interest charges.

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The curse of the GINA: the more you earn, the less you end up with

If you are aged between 25 and 45, earn a good income, but are still renting and have no assets of any real value, you could well be a GINA, as in Good Income, No Assets.

So you’re not saving for or paying off your home. So what? You earn good money. Drive a nice car. Wear nice clothes. Travel to exciting places. Have a great life. And you have compulsory superannuation for the future. What’s wrong with that?

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Estate planning – don’t leave it until it’s too late

Estate planning is simple way of ensuring that your estate is passed onto your beneficiaries in the most financially efficient and tax effective way.

The most commonly used estate planning tool is a Will. A Will outlines how you want your assets distributed after your death and provides a simple way to ensure your family members are looked after financially in the event of your death.

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