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understanding with invest blue

Credit Card debt trends and comparisons

How does your credit card debt stack up? We know there have been many examples of credit card debt disasters in the past, however have we learnt our lessons? Here we explore the current trends for, and comparisons between, credit cards in Australia.

 Carrying credit card debt is not uncommon, so how does your credit burden stack up?We know that over time there have been many examples of credit card debt disasters – maxed out credit cards, living on credit, owing to significant amounts across multiple cards. There is no doubt that access to debt via credit... view article
December 12th 2019

New Debt: The Rise of Buy Now Pay Later (BNPL)

Everyday we are becoming closer to being a cashless society, from payWave debit cards to Apple Pay Rings and Watches and now fintech Buy Now Pay Later (BNPL) services changing the way we spend and manage our money. What exactly is BNPL and is it a negative or positive payment system?

We’re living in a fast-growing forever evolving “new world” with the rise of eCommerce stores drastically changing the face of retail. Rapid growth in tech industries is also changing the way we live our everyday lives. It feels like every month a new device or app comes out that you suddenly couldn’t imagine living... view article
December 5th 2019

How will your expenses change in retirement?

Planning your retirement income isn't a straightforward task. It's challenging to know exactly how much you'll need for the bare basics and how much extra you'd like for travel and luxury items.

Planning your retirement income isn't a straightforward task. It's challenging to know exactly how much you'll need to have available to you for the bare basics, and it is much harder to judge how much extra you'd like to have for travel or luxury items.Part of this challenge comes down to the fact that... view article
December 3rd 2019

Our financial priorities tend to change as we move through life

The good news is that only 7% of Australian retirees aged 65 or over report being stressed about money. So if you’re feeling the pinch now there is light at the end of the tunnel. Let’s take a closer look.

 The good news from AMP’s 2018 Financial Wellness Index[1] is that when it comes to stress and money, our stress levels reduce as we move into retirement. Only 7% of Australian retirees aged 65 or over report being stressed about money and 15% of pre-retirees aged 55-64. This is compared to up to 27%... view article
November 28th 2019

The good and the bad of HECS debt

HECS debt can make a huge positive difference to someone’s life if it gives them the start to the career of their dreams. But it is a debt and will form part of your financial life for years to come.

According to research by Goldman Sachs, the Millenial Generation are our digital natives. They are social and connected with new technology. They also have less money to spend, are encumbered with debt, and have different priorities.One of the debt challenges many Millenials face is a Higher Education Contribution Scheme (HECS) debt. As this article... view article
November 15th 2019

Why is my fund under-performing?

Defining performance and managing expectations is all part of investing. Is it worth all the risk? What is the right time-frame? What fees are involved? We explore these questions and more.

When we carve out hard-earned dollars and squirrel them away in an investment, whether it be in Super or not, it can be worrying if we think our choice is not performing well against others. No one wants to think they made a mistake in their investment selection. It’s natural to want to make... view article
November 8th 2019

Your financial life after separation

What are the first steps you need to make to take control of your financial life when your relationship ends? What should you be prepared for?

No matter how a couple have arrived at the decision to separate, dividing up their financial lives can be a challenge. There are many things to consider financially during a separation, some need addressing quite quickly, others are better left to be more fully researched and considered. At Invest Blue, we have worked with... view article
November 5th 2019

Life in retirement

Here we share three client stories about enjoying life in retirement.

What’s in store for your retirement? Travel, hobbies, time for family, working part-time in a passion-career or maybe finding your feet after an unexpected event? In this article we share three of our Client Stories about life in retirement, and how financial advice has helped.Invest Blue has helped thousands of clients and their families... view article
October 30th 2019

How to choose the right financial adviser for you

Seeing a financial adviser could set you on a path to reaching your goals and dreams sooner, but how can you make sure you choose the right adviser and what should you look out for?

 We work hard for our money, so we want to see our money work just as hard. Seeing a financial adviser could set you on a path to reaching your goals and dreams sooner but how can you find the right financial adviser who can help you get there?The financial industry, over the last... view article
October 24th 2019