January 2022 Newsletter

Welcome to 2022. We hope you had a happy and safe festive season.

Our top article pick this month focuses on reflecting on 2021 and planning for 2022. 

Vanessa Stoykov explains the intrinsic value, and potential benefits, of setting aside time to reflect on 2021, which was a most unusual year with changes to work, friends and family. She then looks to 2022 and the benefits on planning for the future and your financials, for the new year now standing before us.

Kind Regards,

The team at Bellwether Financial Group

Newsletter Articles

Vanessa Stoykov: Reflecting on 2021 and planning for 2022

Vanessa explains the intrinsic value, and potential benefits, of setting aside time to reflect on 2021 (a most unusual year) and plan for 2022 (the new year now standing before us).

Key financial habit considerations for the New Year

Reflection can be a useful tool when entering a new year and looking to build upon what you have already achieved towards your goal. Reflection can help identify present habits that are either aiding (desirable), or hindering (undesirable), you on your path to achieving your future goals.

First homebuyers: Saving a home deposit

Given the climate (eg housing prices, wage growth and living costs)—and despite several targeted Government initiatives—saving a home deposit can be a significant hurdle.

Boosting retirement savings with super contributions

Whether you dream of retiring and travelling the world, caravanning around Australia, or pottering in the garden, the question remains the same for the vast majority of us: “How much money will I need in retirement?”

Investor behaviour: Research on investment switching behaviour

Unfortunately, for some of us, when making a decision that affects our short, medium or long-term financial wellbeing, a behaviour gap can arise between what we should do (rationally) and what we actually do (irrationally).

Google: Year in search 2021

Undoubtedly, 2021 (much like 2020) was a challenging year for many of us, both individually and collectively—again, due predominantly to the ongoing issues, and subsequent impact, of the COVID-19 pandemic.