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Understand more Plan with perspective
Practical explanations for the financial decisions in front of you. Explore a topic, try a calculator or bring your questions to our team.
Latest insights
What belongs in a practical wealth plan?
A useful wealth plan connects your current position to specific goals. It should explain what you are working towards, the resources available and the decisions.
Why retirement targets should use today’s dollars
Today’s dollars express future spending in terms of what money buys now. This makes a retirement target easier to compare with your household budget. A future.
Extra repayments and offset accounts explained
Extra repayments reduce the loan principal. An eligible offset account holds separate cash that can reduce the balance used to calculate loan interest. Both can.
A lower home loan rate is only part of the comparison
A lower rate can reduce interest, but extending the remaining term can increase the total amount paid. Compare alternatives using the same balance, term and.
Why a tax deduction is only part of an investment decision
An eligible deduction reduces taxable income. It is not a refund of the whole expense. A loss-making investment can still reduce your cash flow even if there is.
Equity is not the same as borrowing power
Understand the difference between estimated property equity, usable equity and a lender’s assessment.
A lower rate does not tell the whole story
Look at loan term, fees and features when researching a home loan refinance.
Your deposit is not your complete purchase budget
A practical guide to the expenses around buying an Australian property.
A rental estimate is the start of the research
Understand what a rental yield figure includes and what it leaves out.
Five questions before you shortlist suburbs
Begin your property research with your purpose, costs and practical limits.
Look beyond the strata levy
Questions to ask when researching an Australian strata property.