This month, in our top article, we look at the fixed rate cliff and some ways borrowers might be able to soften the blow of higher repayments.
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Kind Regards,
The team at Bellwether Financial Group
Newsletter Articles
Tips to help with surviving the fixed rate cliff
The low fixed rates many Australians locked in over the pandemic period are gradually expiring. If you’re worried about what’s on the other side of the fixed rate cliff, here are some tips to help.
Writing a Will? 4 nerve-wracking decisions you might face
Writing a Will can be a daunting — not to mention emotional — task. But without considering these questions, your efforts at end-of-life planning may be incomplete.
Getting super fit: What to do if your super balance is lagging
Being proactive when it comes to your super can potentially have major benefits. Here are some steps you can take to help bring the retirement you want within reach.
The ins and outs of the Age Pension
The Age Pension is an important source of income for millions of Australian retirees. But there are plenty of rules you’ll need to be aware of before you apply.
Psychological blind spots and saving for retirement
Behavioural finance expert Simon Russell shares some ways that gaps in our knowledge can affect our plans for retirement.
This month, in our top article, Nicole Pedersen-McKinnon shares some tips to save money while still getting the most from your health insurance.
Thank you to those who have taken the time to leave us a 5-star Google review recently, we appreciate your support. If you have enjoyed working with us, and would like to do the same, please visit our business page on Google.
Kind Regards,
The team at Bellwether Financial Group
Newsletter Articles
How to cut the cost of health insurance (without cutting the insurance)
Nicole Pedersen-McKinnon shares some tips to save money while still getting the most from your health insurance.
Can your super death benefit go to the wrong person?
Are you confident your super will go to your preferred beneficiary if you pass away? Here are a few scenarios that might cause trouble for you.
Why investing in your child’s name can be a bad idea
If you’re looking to invest for your child, you should know there can be major drawbacks to doing so in their name.
From empty nest to full house: Ways to cope when your adult child moves back home
Is your empty nest no longer empty? Here are some ways to navigate the emotional and financial challenges of an adult child moving back home.
How to tell a real message from a phishing scam
Learn to spot the telltale signs of fraudulent messages and help keep your finances safe.
This month, we take a look at the different ways AI (artificial intelligence) is being used by scammers to swindle people of their money. Our top article this month provides insight into what you can do to help keep your finances safe from such AI scams.
Thank you to those who have taken the time to leave us a 5-star Google review recently, we appreciate your support. If you have enjoyed working with us, and would like to do the same, please visit our business page on Google.
Kind Regards,
The team at Bellwether Financial Group
Newsletter Articles
How AI is supercharging financial scams
AI is on the rise, and one group that’s been quick on the uptake has been cybercriminals. Here are just some of the ways the tech is being used to scam and steal.
What are unlisted assets and do they belong in your super?
Super funds invest in many different assets to grow members’ retirement savings, including unlisted assets. But do you know how they work?
Can you still afford to ignore HECS-HELP debt?
For anyone with uni debt, the recent indexation increase of 7.1% might come as a shock. Here are a few things to keep in mind.
6 questions to ask when you receive your super statement
There’s more to your super statement than how well your fund has performed. Here are a few questions to ask when you receive yours.
How to cope with changes in your super balance
It can be difficult seeing your super balance go up and down, especially if you’re approaching retirement age. Here are some strategies to help you stay calm.
The new financial year is a great time to hit the review button on your finances. This can take many forms - with one in particular featured in our top article this month.
Tax and super changes you should know about
Thank you to those who have taken the time to leave us a 5-star Google review recently, we appreciate your support. If you have enjoyed working with us, and would like to do the same, please visit our business page on Google.
Kind Regards,
The team at Bellwether Financial Group
Newsletter Articles
The 1 July tax and super changes you should know about
A lot has changed in the tax and super space this new financial year. Here’s a rundown of some of the most important items you should know about.
The super decision that could cost Aussies $120,000 in retirement
When it comes to your super, small decisions can have significant consequences. If you’re worried about things snowballing, consider these strategies.
Your most valuable asset and how to protect it
The most valuable thing you own might not be your home, your car, or even your investment portfolio. We look at how to protect this often overlooked asset.
Nicole Pedersen-McKinnon: 5 household hacks to help you cut your bills
Beating inflation is no easy task, but Nicole Pedersen-McKinnon offers some handy tips to help make the rising cost of living more manageable.
Hitting your retirement goals with the three bucket strategy
If you’re worried about making your retirement savings last, it might be time to switch things up a bit. The three bucket strategy is one approach worth considering.
High inflation may have complicated your plans to retire early, but there are a few things you should consider before giving up. Our top article gives insight into whether early retirement is still possible in a high inflation environment.
Thank you again for choosing Bellwether to look after your finances. As you know, reviews and testimonials play a big part in our positive growth. If you have enjoyed working with us, we would love you to leave us a 5-star review on Google and appreciate your time in doing so.
Kind Regards,
The team at Bellwether Financial Group
Newsletter Articles
Is early retirement still possible in a high inflation environment?
High inflation may have complicated your plans to retire early, but there are a few things you should consider before giving up.
What to do if you can’t pay your mortgage
Nicole Pedersen-McKinnon shares some of the options available to mortgage holders who might be struggling to service their loan.
4 mind hacks to help turn your finances around
Do you struggle with impulsive spending or find saving money a chore? These small behavioural changes could help.
Ways to help your kids without breaking the bank
Worried that you won’t be able to give your family a helping hand in life without dipping into your retirement savings? Here are a few tips.
Are there any silver linings to the RBA's rate hike campaign?
Rising interest rates have been a thorn in the side of mortgage holders. But there is some good news to come from the RBA’s rate hikes.
Welcome to spring and our next edition of our monthly newsletters.
For a change of pace, our top article shares five life lessons that seem to have stood the test of time. Whether they resonate with you or provide inspiration for conversations with loved ones, we hope you find them useful.
Kind Regards,
The team at Bellwether Financial Group
Newsletter Articles
3 ways to protect the Bank of Mum and Dad
Putting legal arrangements in place with family members might seem unnecessary, but it may help protect you and your children if things go wrong.
Budgeting tips you may not have heard of
Is the thought of budgeting enough to make your eyes glaze over? Here are a few ideas to turn budgeting boredom on its head.
Q&A: When should I retire?
Is retirement something you dream about, or dread? We look at some things to weigh up when planning your retirement timeline.
5 things I’d tell my younger self
Often the biggest realisations in life only come with lived experience. We share 5 life lessons that seem to have stood the test of time.
With rising inflation and interest rate hikes expected to hang around for some time, households will be waiting to see what unfolds. Whether you’re feeling confident or cautious about your finances, now is the time to make sure they’re in the best shape possible.
Are you nearing retirement? Our sequencing risk animation below could be worth a moment of your time.
This months Q&A can be found on our website, which looks at the difference between good and bad debt.
Kind Regards,
The team at Bellwether Financial Group
Newsletter Articles
Three ways to stress-test mortgage repayments
One way to prepare for uncertainty is to consider and plan for alternative outcomes. We discuss putting higher lending rates and mortgage repayments to the test.
Infographic: 5 principles to keep in mind when markets are volatile
When markets go up and down, revisiting the ‘golden rules’ of investing can often help with staying calm and confident.
Protecting retirement savings from inflation
Explore the strategies that can help with protecting the value of retirement savings, now and into the future.
ESG investing: weighing up what matters
With ESG investing continuing to be on the rise in Australia, we look at potential considerations when thinking about your investment portfolio.
Vanessa Stoykov: 4 ways to potentially make better money choices as a family
Letting your kids in on money decisions can provide a great opportunity to pass on some money wisdom and learn a few lessons of your own.
The 2021-22 financial year can be separated into two contrasting halves, MLC’s Senior Economist and Portfolio Specialist, Bob Cunneen, provides a review of what happened in investment markets over the year, and why.
We’ve introduced our new Q&A feature, where each month we’ll answer a common question on a hot financial topic. For July; What should I do with my inheritance?
Enjoy!
Kind Regards,
The team at Bellwether Financial Group
Newsletter Articles
Q&A: What should I do with my inheritance?
Deciding whether to boost your super, pay down your mortgage, or help your kids out is a common dilemma. We look at some of the considerations to weigh up.
2021-22 financial year in review
The 2021-22 financial year can be separated into two contrasting halves, with global economic recovery threatened by high inflation and rising interest rates.
The secrets to a successful retirement
Dr Joanne Earl from Macquarie University shares her research insights on the key ingredients to a positive and happy retirement.
3 ways to start an investing conversation with kids
Introducing kids to the idea of investing to build long-term wealth could be life changing. We share some ideas on how to get the conversation started.
A round up of 1 July changes and what they mean
Read about some of the key changes to super, tax, and social security measures as the new financial year gets underway.
Why life insurance premiums have gone up
The effects of the pandemic have led to significant increases in life insurance premiums in recent months. We look at what to consider before making any changes to your policy.
For many of us, rising interest rates and inflation are in sharp focus at the moment. While no one can predict exactly what will happen with investment markets or interest rates, focusing on your mindset and money matters closer to home can be a good way to stay mentally resilient and fiscally prepared.
With this being said, our top article this month looks at various ways of stress testing mortgage repayments against future rate increases.
Kind Regards,
The team at Bellwether Financial Group
Newsletter Articles
Three ways to stress-test mortgage repayments
One way to prepare for uncertainty is to consider and plan for alternative outcomes. We discuss putting higher lending rates and mortgage repayments to the test.
Infographic: 5 principles to keep in mind when markets are volatile
When markets go up and down, revisiting the ‘golden rules’ of investing can often help with staying calm and confident.
Protecting retirement savings from inflation
Explore the strategies that can help with protecting the value of retirement savings, now and into the future.
ESG investing: weighing up what matters
With ESG investing continuing to be on the rise in Australia, we look at potential considerations when thinking about your investment portfolio.
Vanessa Stoykov: 4 ways to potentially make better money choices as a family
Letting your kids in on money decisions can provide a great opportunity to pass on some money wisdom and learn a few lessons of your own.