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The Best Investments for Passive Income in 2024 – Part 1

With 2023 done and dusted, it’s time we turn our attention to navigating the financial waters of 2024, and for may investors there is one big question on their mind… What are the best investments for passive income in 2024? Well, grab a comfy seat, because we’re diving into the best options, complete with juicy details and some real-life numbers.   Before we get into the details though, let’s do a quick recap of the last few years to set the scene….   When we’re talking about the best investments for passive income, there is one all important data point…
Businessman holding scissors cut tax character, tax reduction, business finance concept illustration

Navigating the Stage 3 Tax Cuts: Maximizing Your Financial Opportunities

The Government is tinkering…. again.   In the ever-evolving landscape of taxation, understanding the implications of government policies on your financial well-being is crucial. One such recent development is the Stage 3 tax cuts that come into effect from July 1st, 2024, promising relief for taxpayers across all income brackets. Whilst some tax relief is most certainly welcome, in typical Aussie style the changes have ended up a yet another political farce, and all of the backflips make it a bit difficult to keep up! Rest assured, as Tweed Heads leading  accounting and financial planning business we’re here to help…
Broken C rystal Ball

Ignore Investment Forecasts – Everyone’s Crystal Ball is Broken

Every year around this time the world’s largest investment banks (experts, one might reasonably assume) compile their forecasts of where financial markets will end up at the end of the year. They scrutinise a mountain of economic data, analyse reserve bank meeting minutes, compile sophisticated quantitative models, and then tell the world (with the utmost confidence) where markets will finish the year. Whilst we’re yet to see the full suite of forecasts hit for 2023, a look back at 2022 is quite instructive…   What Happened in 2022?   An average of the world’s foremost experts, would have seen the…
Financial Services A-Team

How to Build Your A-Team of Financial Advice Professionals

Over the coming weeks in a 6 part mini-series, I’m going to show you how you can build your A-Team of Financial Advice Professionals. We’ll introduce all of the team members you’ll need for success, and take a deeper dive into what each of them does, what they don’t do (or aren’t legally allowed to) – and which professionals you should be asking for advice about which subjects.   Episode 1: Financial Adviser Episode 2: Accountant Episode 3: Mortgage Broker Episode 4: Conveyancer Episode 5: Estate Planning Solicitor Episode 6: Real-Estate Agent   DIY will only get you so far….…
Market Crashes - A Risk or an Opportunity

Market Crashes – A Risk or an Opportunity?

View our September 2022 Webinar below – “Market Crashes – A Risk or an Opportunity”. Where are we now? The best investment strategy over the long term Price and value are not the same thing CHG Investment Philosophy
Dividends financial section of newspaper

EOFY Investment Distributions Explained by Saul Muscardin

Have you ever opened your broker app, or your portfolio tracker and seen a significant unexplainable drop in the value of your investment? Did you have one of these reactions….?   Then did you go into a mad scramble googling the ticker code, checking Hot Copper, or trawling through Google news to find some explanation? If you were lucky, finally on Hot Copper or some other stock forum someone who’s been around investing a bit longer than you calmly says “Chill out there young fella – its just gone ex-dividend” (or ex distribution in the case of managed funds). Well…
A-swing-and-a-miss

Stop Trying to Hit it out of the Park! by Saul Muscardin

In 2004, Michael Lewis wrote a fascinating book called Money Ball – which went on to become a major Hollywood movie starring Brad Pitt. The book tells the tale of Billy Bean, the manager of US Major League Baseball team the Oakland A’s and how he managed to take a team with one of the lowest budgets in the league to the play-offs – on multiple occasions! How did he do it? Well, conventional wisdom long held that big name, highly athletic hitters and young pitchers with rocket arms were the ticket to success… but without the financial firepower to…
growing-investment

Self-Employed? Don’t Forget About Super!

I had a chat with a mate of mine this morning – a 30 y/o self-employed tradie. He works hard, he pays his mortgage, he has some investments, but during the call, he mentioned that he hadn’t contributed to his super for 3 years (since becoming self-employed). Me shortly after… After I managed to regain my composure I encouraged him to make provisions for super contributions so that he doesn’t fall behind his PAYG peers – who just magically get their super contributions quarterly. He thanked me for bringing it to his attention and that was that. After our call…
Where are you getting your advice2

Where Are You Getting Your Advice?

Where you get your financial advice makes an enormous difference to your outcomes. But unfortunately, many people confuse trust for expertise and don’t get the results they had hoped for (or were promised).   Think about it…   Where is your greatest source of trust?   Probably your family & closest friends right? They have your back no matter what, they always have your best interests in mind, and they would never lead you astray…. but are they financial experts?   For most people the answer is probably no – they’re doctors, or lawyers, or teachers, or nurses, or tradies – and…
Beach Jump

10 Profound Quotes for Wealth & Happiness in 2021

Every year around about this time people start preparing to make New Years Resolutions – 80% of which fail by the second week of February according to this FSU News article. Yet despite this overwhelming failure rate, we front up again next year with a new set of resolutions and a commitment to achieving them. Why do we continue this folly?   Well, It’s not too difficult to see why we make resolutions – Self-improvement is an admirable pursuit. It brings us a sense of accomplishment, pride, and the immense satisfaction of achievement. However, why we break resolutions is far more nuanced…   We make goals…

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