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understanding with invest blue

Can home equity save you during a difficult financial period?

There are many situations that may lead you experience a difficult financial period, from redundancies, reduced income, inability to work due illness and of course by the current Coronavirus pandemic. When facing financial difficulty, you may find there are more options to consider than you originally thought, such as potentially accessing your home equity.

Home equity is the difference between the value of your property and debt owing on your property. There are various ways you may be able to use your home equity to your advantage, such as using your home equity to buy a second home or in this situation using it to get through a... view article
July 16th 2020

A guide to personal insurance

Insurance may not be the most exciting element of your financial plan however being adequately insured can be one of the most important and valuable things you ever you do if the time comes that you need it.

It is instinctive of us to insure our car and home, but if the latest pandemic taught us anything it is that life is unpredictable. Having the right level of personal insurance including, income protection and life insurance should be heavily considered on your path to creating financial security. Insurance not only provides peace... view article
July 13th 2020

Using Equity to Buy a Second Home

If you own a home, you may be able to utilise the equity on your home loan to purchase a second property. Given current all-time low interest rates, now may be a good time to consider this option.

Many Australians aim to pay off their mortgage sooner so that they can be debt-free. However, many haven't considered the hidden potential of equity in their home loan. Tapping into this hidden potential may allow you to purchase a second property (or other investment) which could generate an income. In this article we cover:... view article
July 10th 2020

Health & wellbeing in the workplace

We put the spotlight on the health and wellbeing in our workplace for two quarters in a row. With some amazing feedback and results from our people we decided to document our activities and some of the company wide benefits to share with you, which included improved work efficiency. Our activities ranged from weekly health challenges, one dedicated health wellbeing day off per quarter and weekly check ins with the team.

At Invest Blue we are passionate about helping people to achieve their goals and dreams so that they can live their best possible life. These people are not only our wonderful clients but our people; our Advisers, our Relationship Managers and the entire team that make the financial planning process possible. Our Core Values... view article
July 6th 2020

A guide to managing inheritance or a lump sum of money

What to do with a lump sum of money; whether it be from an inheritance, a gift or a withdrawal from your superannuation or retirement savings.

When you receive a lump sum of money it can be hard to decide what is best to do with it. You should be considering what to do with the lump sum BEFORE you receive it so avoid any unnecessary taxation, and to optimise its potential. In this article:Types of lump sums Think about your... view article
July 3rd 2020

Changes to superannuation work test age

There are now more options and flexibility available within superannuation and retirement planning with recent changes to the superannuation work test age as set in the 2019 Federal Budget. From July 1st 2020 the superannuation work test age will be moved from 65 to 67 years of age, allowing more time for Australians to save for retirement.

Changes to work age test Previously those aged over the age of 65 were required to meet a work test to be able to make personal contributions to their superannuation funds. As of July 1st, 2020, those aged 65 and 66 are no longer required to meet this requirement.i.e. People who are aged 65 and... view article
July 3rd 2020

With all-time low rates, is debt stress an issue?

How are Australian's coping with debt stress, and what will happen when JobKeeper payments end?

With ongoing economic challenges due to the COVID-19 pandemic, the economies of almost all countries are struggling. People are losing jobs, businesses are shutting down, and the stress of financial stability is at its peak. The Australian government is taking all steps possible to support and boost the economy and its people; however, the... view article
July 2nd 2020

A guide to choosing the right investment

There’s a lot to take into consideration when choosing your next investment, from market performance and your risk tolerance to your long-term goals and dreams. Whether it’s your first investment or the latest addition to a growing portfolio each of these factors needs to be researched and considered in order to make an educated investment selection.

The current market performance, as well as new government incentives, are opening the doors for new investment opportunities, as we see more people take advantage of this, how do you choose the right investment choice for you?Firstly, it’s worthwhile doing some background research into the types of investment choices available and the different ways... view article
July 1st 2020

Protecting your loved ones with Life Insurance

Protecting your family from life’s unexpected

Life insurance, along with other personal insurances, is designed for the purpose of protecting you and your loved ones in the event that the unexpected occurs.The unexpected is not something we like to think about, let alone plan for. But incorporating this extra level of protection into your financial plan provides you and your... view article
June 23rd 2020