Blog – Maddern Financial Advisers

Be ahead of the news in accounting, private wealth and finance

Retirement and the impact of home ownership

Retirement and the impact of home ownership

Team Maddern
13/Nov/2017
Owning your own home has long been the Australian dream but after years of strong house price growth it’s becoming less of a reality for many. This has major implications for retirement planning. The major factor behind the shifting approach to home ownership is the prohibitive price of property, particularly in Sydney and Melbourne. As […]
10 years later – Lessons learned from the Global Financial Crisis

10 years later – Lessons learned from the Global Financial Crisis

Team Maddern
06/Nov/2017
It’s been a decade since the market crash known as the Global Financial Crisis rocked the investment world. At the time investors could only watch in disbelief as 50 per cent was wiped off the value of their shares. Arguably, the actions those investors took are still reverberating today. Which begs the question: what are […]
What are the differences between ETFs and LICs? And why are investors flocking to them?

What are the differences between ETFs and LICs? And why are investors flocking to them?

Team Maddern
16/Oct/2017
One of the golden rules of investing is diversification, but that can be difficult to achieve when you are just starting out or have limited funds to tap into a world of opportunities. Which is why investors have been flocking to exchange-traded funds (ETFs) and listed investment companies (LICs). ETFs and LICs are like managed […]
Smart investing: using dividends to increase returns

Smart investing: using dividends to increase returns

Team Maddern
09/Oct/2017
The study of behavioural finance tells us people prefer a small certain reward today than a bigger uncertain one in future. That’s certainly true of share investors over the past decade. Against a backdrop of low interest rates and slow economic growth, investors have looked for dividends in ‘safe’ companies rather than big capital gains […]
How to be prepared for climbing interest rates

How to be prepared for climbing interest rates

Team Maddern
18/Sep/2017
Interest rates have been low for so long it’s tempting to think low rates are the new normal. So when the Reserve Bank suggests that a cash rate of 3.5 per cent is the new ‘neutral’, people take notice. Even the Prime Minister warned Australian householders to prepare for higher interest rates ahead.i The official […]
How psychology shapes our financial health

How psychology shapes our financial health

Team Maddern
20/Jun/2017
For many school children of a certain vintage, the wisest investment of their youth was made for them. Buried away in their time capsule, some will still have a battered old bankbook, into which a small amount was regularly deposited. Come the final day of Grade 6, a wide-eyed kid might find a few hundred […]
June 30: Tips for getting your financial house in order

June 30: Tips for getting your financial house in order

Team Maddern
08/Jun/2017
Time is running out to get your financial house in order before June 30. This is especially the case for anyone who has funds available to make a large cash injection into their superannuation retirement savings before the rules change. The 2016-17 financial year is your last opportunity to make a non-concessional (after tax) contribution […]
Keeping track of your credit rating

Keeping track of your credit rating

Team Maddern
18/May/2017
Today, applying for a loan seems to have never been easier. Interest rates are comparatively low and competition among lenders for new business is intense. So it can come as a surprise when a loan application is turned down. The reason is often a bad personal credit score, but few people understand what that is, let […]
What will the budget mean to you?-1

What will the budget mean to you?-1

Team Maddern
10/May/2017
Treasurer Scott Morrison’s first budget of the Coalition’s second term in office marked a significant shift in tone from the tough stance of its three previous budgets. Gone is the mantra of debt and deficit. Instead the Treasurer has balanced the government’s resolve to live within its means with promises to tackle the cost of […]
Tax and the super afterlife

Tax and the super afterlife

Team Maddern
20/Apr/2017
Death and taxes are never pleasant topics to think about, but a little careful consideration now could save the people who will inherit your superannuation savings a big tax bill. Many people assume there’s no tax payable on super death benefits, and in some circumstances this will be the case. But tax may be payable […]