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understanding with invest blue

What is Salary Sacrificing and Salary Packaging All About?

Simon Ashman is a Financial Planner with Strategic Invest Blue. He is passionate about helping clients improve their financial position so that they can live their best possible lives. He enjoys taking the time to best understand the long-term goals that matter most to his clients and knows that for these goals to be achieved, key strategies need to be taken advantage of. Such strategies include salary sacrifice and salary packaging. Here, Simon shares his insight on both.

Who doesn’t want to make the most out of their hard-earned income and see more of it in their pocket or in their super fund? As experts in the field, we’re here to talk through options and set up tailor-made strategies for our clients that will make their goals attainable. At Strategic Invest Blue, that’s... view article
May 20th 2022

What to do with a windfall or lump sum payment

So you’ve come into some money, now what to do with it?

First of all, what’s a windfall? Essentially, it’s a large sum of money that is received unexpectedly, whether it be winning it, acquired or just suddenly due to chance events. For most of us, a financial windfall isn’t something that comes around very often. And while the extra cash is welcome, money matters can be... view article
May 18th 2022

Understanding how loans work

It is useful to understand how loan repayments work. It’s not something that is uncommon too, at times, feel intimidated by. Loans and the ins and outs of understanding formulas and keywords are simpler than you think.

  Factors for loans with interest rates from 6.5% to 9% over 5 year to 30 year terms For example, if you had a loan of $100,000 at 7% and paid it back at   $899   a month, the loan would be paid off in 15 years (100 x 8.99). The factors illustrate the way compound interest works.... view article
May 18th 2022

Should I pay off my home loan with my super lump sum?

If you’re nearing retirement and keen to be debt-free when you get there, you may be considering whether taking your super as a lump sum to pay off your home loan is a good decision.

It might be tempting, but it may not be the best option for everyone. For instance, you may be able to remove or considerably reduce your home loan debt, but depending on how you choose to go about doing this, it could impact the overall amount of money you have left to fund your... view article
May 16th 2022

Weddings, Budgets and the all-important steps before saying ‘I Do’

We caught up with Financial Planner and newlywed, Taylor Mifsud for all the ins and outs of how to plan a wedding without blowing the budget!

  The word ‘wedding’ often conjures up beautiful memories and thoughts of romance, new beginnings and celebration. But there’s another word that goes hand in hand with weddings, certainly for the bride and groom and potentially their families too and that’s ‘spending.’ In times gone by it was often the tradition for the bride’s family to... view article
May 13th 2022

The road ahead for shares

Trying to time investment markets is difficult if not impossible at the best of times, let alone now. The war in Ukraine, rising inflation and interest rates and an upcoming federal election have all added to market uncertainty and volatility.

At times like these investors may be tempted to retreat to the ‘’safety” of cash, but that can be costly. Not only is it difficult to time your exit, but you are also likely to miss out on any upswing that follows a dip. Take Australian shares. Despite COVID and the recent wall of worries... view article
May 11th 2022

Loans – fixed vs variable

What are the differences between fixed interest and variable interest rates? Choose the loan type that best suits your needs and goals.

If you have heard of the fixed versus variable loan debate, then you're going to want to read this article. The conversation continues regardless of whether interest rates are rising or falling. We discuss the pros and cons or both and other options to what to consider.   Variable rate loans - Pros vs cons Pros  Cons Your home... view article
April 26th 2022

The Importance of Personalising Portfolios

Ever wondered what the difference is between ‘active’ and ‘passive’ management of investment portfolios? For David Donato of Strategic Invest Blue, this is a commonly asked question. Here, David offers his insight into why taking a personalised approach is so important when it comes to helping clients with their investments.

In simple terms, ‘active management’ is when a fund manager is actively monitoring and making adjustments to their portfolio in order to try and outperform the market. This occurs when the market is either rising or falling. For example, if the market goes up by 2% then the fund manager would want to go... view article
April 21st 2022

The connection between financial health & physical well-being

Are you a goal setter? For many of us our goals often come back to physical or financial health, but did you know the two are connected?

Most of us probably have a good sense of what it takes to improve our physical health and of course, there is a whole manner of approaches. We may be driven by competing in a big sporting event, investing in a gym membership, committing to weekly exercise with friends, becoming better informed about our... view article
April 13th 2022