The future of retirement won't be a cliff-edge goodbye to work

Imagine a baby is born in Europe at the very moment you finish this article. That child can expect to live for two minutes longer than one born as you finish this sentence. Increasing lifespans threaten to topple the current pensions model. But, then again, maybe it’s time for a change. Global pension assets now stand at $45 trillion, equal to around half global GDP. But retirement is a recent concept. Germany introduced the first state-funded income in old age in 1889 for those over 70, at a...

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Top tips for first-time campers

Sleeping under the stars is an unforgettable experience. For some, the thought of camping is a scarier prospect than a visit to the dentist. However, with good advice and preparation, camping is extremely rewarding. There’s something special about embracing the great outdoors; being in touch with nature and enjoying the simple life. And we can help to make your first camping adventure a memorable one. These handy tips – some suggested by our social media followers – should...

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How to profit from demographics

Demographic trends promise something priceless. By observing the changing structure of a population’s age and income, patient investors who accurately forecast these slow-moving trends can benefit clients over the long term. In the near term, these societal changes can seem a little muddy, and subject to unpredictable influences. Recently, record levels of immigration boosted Germany’s workforce, changing its demographic make-up, while China reversed its one-child policy in a move aimed at...

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Top 5 tips to achieve your money goals in 2019

Make a plan for your money What are your money goals for this year? To give yourself the best chance at achieving them, your goals need to be SMART: specific, measurable, achievable, realistic and timely. Setting timely goals means giving yourself a timeframe to achieve them. With a SMART goal in mind, you now need to set up a plan for how you'll achieve it. For example, if you want to save $5,000 by the end of the year, work out how much you can allocate to that goal each pay day.  Start...

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Make this year a financially healthy one

Another year is over - how was it for you? Did you achieve everything you’d hoped? Are you better or worse off financially than you were this time last year? With a new year in front of you, what can you do to make the most of every moment? We’ve put together a short guide to get you started and plan for the year ahead, a quarter at a time. January to March Make a start by turning wishes into goals. Some might be long-term like becoming debt-free, saving a home deposit, or retiring in a few...

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Monetary Policy Decision – Statement by Philip Lowe, RBA Governor, February, 2019

At its meeting today, the Board decided to leave the cash rate unchanged at 1.50 per cent. The global economy grew above trend in 2018, although it slowed in the second half of the year. Unemployment rates in most advanced economies are low. The outlook for global growth remains reasonable, although downside risks have increased. The trade tensions are affecting global trade and some investment decisions. Growth in the Chinese economy has continued to slow, with the authorities easing policy...

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