THE ADVISER’S NOTEBOOK

Are you ready to take the control of the new year and set a pathway to achieving your dreams? Setting your financial goals this 2023 can help make your dream a reality! We all have different dreams and aspirations when it comes to our finances: buying property, becoming debt free, or accumulating enough capital to start a new business. Let’s explore what are your financial objectives looks like, how you should go about planning them, and most of all why are they important if you want to achieve your dreams this year!

This month, we continue our journey of financial exploration and empowerment with great enthusiasm. February invites us to reflect on the progress we've made so far and fine-tune our financial strategies for the months ahead. Your Wealth Hub Advice remains dedicated to being your trusted companion on this journey, offering insightful guidance and actionable advice.

In this edition, explore investment insights through expert Shane Oliver's curated collection of timeless quotes and unlock the transformative power of compounding. Join us in manifesting financial empowerment through actionable tips, uncovering expert advice for a fulfilling retirement, and decoding retirement spending patterns. Lastly, witness the extraordinary measures Aussie parents take for their children's homeownership, revealing the lengths parents go to secure their children's future.

In this edition, we delve into the concept of compound interest and how it can amplify your wealth accumulation efforts. Additionally, we have the pleasure of introducing you to Ruby McLellan, Australia's youngest homeowner at just eight years old. Ruby's remarkable journey underscores the significance of early financial planning and making informed decisions.

In this edition, let's take a moment to reflect on the economic outlook revealed in April, giving us valuable insights into where our economy is headed. We'll also explore why gold remains a shining star in today's economy and why some are considering it as an investment option.

In this month's edition, we have carefully curated a selection of articles that offer insights to help you make well-informed decisions about your finances. Discover essential tax time tips from CPA Australia to keep you compliant and maximise your tax return. Learn five easy ways to boost your superannuation balance before 30 June.  

This month's edition includes practical advice on resetting your investment goals and highlights the crucial role financial security plays in the happiness of older Australians. With the new financial year upon us, it's essential to be aware of several key changes that could impact your finances. We also explore forecasts predicting lower mortgage costs and rising home prices and provide a comprehensive guide to smart investing. Additionally, we review the strong investment returns of the past year and consider the outlook for the future.

In this edition, we explore how to go beyond finances for complete retirement readiness and why renters are opting for properties with more bedrooms. We also dive into how older Australians are embracing university for career changes and what Australia’s inflation rate means for your mortgage. Plus, we share 10 ways to boost your super savings and help you find your super sweet spot to determine how much you really need to retire.

This month, we’re focusing on the key shifts and opportunities in Australia’s property market. We explore the recent slowdown in housing value growth and what it means for buyers and sellers, and highlight the Sydney suburbs where homes are being snapped up the fastest, revealing the hottest spots for quick sales and buyer interest. We also delve into strategies to improve housing affordability nationwide, offering expert insights on potential reforms and solutions.  ription goes here

This month, we bring you a comprehensive look at the key trends shaping Australia’s financial and property markets. We explore Vanguard’s latest investment and economic outlook, offering insights on global shifts and what they mean for your portfolio. Discover how Australia’s housing market is experiencing modest growth in home values, while also learning about the record-breaking profits sellers are seeing in select regions. We take a closer look at how Australia’s largest banks are forecasting the RBA’s monetary easing and what that could mean for your financial plans.

his month, we’re focusing on key financial insights to help you navigate year-end decisions. Our articles cover a range of timely topics, from the potential impact of the U.S. election on global markets and the Australian economy, to practical strategies for holiday budgeting and spending. For those looking to invest for the next generation, we share advice on setting up investments for kids and insights from AMP’s Financial Wellness Report 2024 on improving financial well-being. Whether you’re budgeting for Christmas, planning family investments, or simply preparing for the year ahead, our lineup offers valuable perspectives to guide you.

Are you ready to take the control of the new year and set a pathway to achieving your dreams? Setting your financial goals this 2023 can help make your dream a reality! We all have different dreams and aspirations when it comes to our finances: buying property, becoming debt free, or accumulating enough capital to start a new business. Let’s explore what are your financial objectives looks like, how you should go about planning them, and most of all why are they important if you want to achieve your dreams this year!

The month of January was filled with festivities, optimism and a new found hope for what's coming in the future. After the celebrations that came with the new year, February is finally here, with determination and focus in tow. The one-month trial period for the year 2023 has ended and the changes and challenges are now clearer than ever. Now, let's do a quick check on your financial goals. Are you still right on track? Are you sticking to your budget and spending within your means? Are you keeping yourself updated on the recent news and changes in the industry in order to pinpoint…

As we move towards the end of Q1, it's a great time to reflect on your financial goals and assess the progress you've made so far. March is all about new beginnings and growth, so why not use this opportunity to take positive steps towards improving your financial health? At Your Wealth Hub Advice, we're committed to helping you take control of your financial future. We've curated a selection of articles that cover a range of financial topics in this month's edition. These include expert tips for saving money in a challenging economy, insights on being prepared for investment success…

As we step into the second quarter of the year, it's the perfect time to renew our focus on financial well-being and keep working towards achieving our goals. This month is a reminder that it's never too late to make positive changes in our financial lives, and we're here to support you in your journey towards financial success. At Your Wealth Hub Advice, we remain dedicated to providing you with the tools and resources you need to make informed decisions about your finances. This month's edition brings you a diverse range of articles, covering everything from protecting your home finances…

As we move further into the year, and into the colder months, we remain committed to supporting you on your financial journey. In this month's edition, we have curated a collection of articles that cover a diverse range of topics to help you make informed decisions about your finances. The 2023 Federal Budget has been unveiled, highlighting key areas that will receive increased funding and the potential impact on taxpayers. Understand where the funding is going and who will be footing the bill. With the end of financial…

As winter sets in and the end of financial year approaches, it’s a good time to embrace the cooler months, and spend some time reviewing your finances. We are dedicated to empowering you on your financial path. In this month's edition, we have carefully curated a selection of articles that encompass a wide range of topics, offering invaluable insights to help you make well-informed decisions about your finances…

As winter settles in and we embrace the new financial year, it's the perfect time to take a closer look at your finances. We are dedicated to empowering you on your financial path, and this month's edition offers a curated selection of articles that will provide invaluable insights to help you make well-informed decisions. Explore the Reserve Bank's recent decision to keep interest rates unchanged, signaling a momentary pause before potential storms ahead. Uncover the surprising truth behind Taylor Swift's tour and its impact on inflation, challenging preconceived notions and revealing the…

We are now well into the second half of the year, which is an ideal time to review your financial goals and make strategic decisions for the future. In this edition, we have curated a selection of insightful articles that cover a range of topics to help you navigate the ever-changing financial landscape and thrive in any economic climate. Embark on a journey of financial empowerment with our diverse range of articles! Explore the world of ETFs and their potential to enhance your portfolio, unravel the persistence of money worries and cultivate a positive mindset, and dive into the booming Australian property market to stay ahead on your property journey…

As we bid farewell to winter and step into the vibrant season of spring, it's the perfect time to rejuvenate your financial outlook. In this edition, we have curated a collection of insightful articles to help you thrive in the ever-changing financial landscape. Let’s navigate the intricate world of finances with a selection of articles designed to empower and enlighten. From the wisdom of homeownership to RBA Governor Philip Lowe's farewell speech, the latest Intergenerational Report in 7 charts, and the resilience of Australia's housing market, we delve deep into economic landscapes. Plus, explore the complex relationship between…

It's quite a year to look forward to. 2021, that is. This year has brought us many challenges, starting with the bushfires to the ongoing pandemic. People have lost their lives, their The new year is here, and with it comes fresh opportunities, possibilities and signifies a new start. A positive outlook can go a long way in making 2022 a special year for…

And just like that, we are well and truly into the second month of 2022! And what a summer it has been with success on both the tennis court and the cricket pitch. The team at Your Wealth Hub Advice hope you are feeling energised and ready to embrace what 2022 has to offer. In this edition of the Adviser’s Notebook, we delve into some of the most…

Welcome to the March edition of The Adviser’s Notebook! Autumn is upon us, with Sydney recording the wettest start to a year ever and with experts forecasting La Nina to continue for some months. While this is traditionally the season for things to cool down, the economic and political scene is heating up with the Federal Budget in late March and a Federal Election…

We have had some major changes occur in March and April already with the budget in full effect and the May federal election on the horizon. Firstly, both the labour party and the coalition included some details of the expansion of the first home loan deposit scheme in their policy platforms. This move offers some pros and cons, which you'll read about below.

A lot is happening in the world right now. The war in Ukraine, rising inflation and interest rates, and an upcoming federal election. These have all added to market uncertainty and volatility. In uncertain times when markets are volatile, it’s natural for investors to be a little nervous. But history shows there are investment winners and losers at every point in the economic cycle. At times like these, the best…

Winter has come and for most people in Australia, its been the coldest start for many years so we hope you are well and keeping warm. In this edition, we have a number of great articles from the last month to keep you abreast of the rapidly changing economic conditions we are all now facing..

Congratulations on making it through the 2021/2022 financial year! As we welcome the new financial year it is worthwhile revisiting those resolutions that you may have forgotten about from January 1 to ensure you make this year really count. Making a few small, regular changes will help you gain greater benefits over time..

As we enter into the last month of winter, there is a sense of optimism in the air, with spring not too far away. Warmer weather, longer days, and holidays are close, and we cannot wait! Interest rate hikes and mortgage increases are hot topics at the moment, with many wondering if Australia is heading into a recession. Hear from three experts in the article below and their opinions on the dreaded ‘R’ word.

The spring season is now underway in Australia! With temperatures starting to warm up, it's the perfect time to take advantage of the beautiful outdoors, going on hikes, camping trips, or spending time at the beach. This season is often seen as a time of growth and new beginnings. For Australians, this rings especially true as the country emerges from a period of economic uncertainty. Despite challenges posed by global headwinds, there are many reasons to be optimistic about the future of our economy.

In this month's newsletter, we'll discuss energy efficiency as it becomes a more significant deciding factor for homebuyers, inflation indicators and economic activity trackers, economic events and implications, and what to look out for in investment markets, we'll also take a closer look at dividends and why they are an important part of your portfolio, as well as exploring the effects of the recent high-profile data security breach.

This time of the year marks the start of the holiday season with the Melbourne cup kicking off the fun! The holiday season is traditionally a time of heightened spending and consumerism. Not to spoil the excitement, but while you enjoy buying those presents, it is also a good time to remember all the work you have put in this year to stick to your budget and hit those longer-term savings goals There are also a few items to be across before the end of 2022 to ensure you end the year financially well. There are many things to consider when it comes to your finances and future. It's important to understand the concepts of stagflation, inflation, and deflation so that you can make good decisions about investments, such as your home loan.

Well, we made it, what a year it has been as we have been rereleased back into society as we have seen the vast majority of Covid restrictions lifted throughout the year, with 2022 almost over as we look forward to welcoming 2023! It's that time of the year again when we look at what the future has in store for us. We want to say THANK YOU! for your support throughout the year. We are hoping you finish this year with a bang and take a well-earned break this holiday season because you deserved it!