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Why it Pays to Understand the Six Stages of Financial Planning

March 26, 2018 · Published by RJS Wealth Management Pty Ltd

Learn the the six stages of financial planning and set out exactly how a relationship between a financial planner and a client should develop. It’s an excellent framework for both financial planners and their clients.

You can be Young without Money, but you can’t be Old without it

· Published by RJS Wealth Management Pty Ltd

The sooner you start to plan for retirement, the more you’ll have, the more retirement lifestyle choices you get. Whether you have millions in assets or none, we can tailor a plan specifically for you that will protect what is most important to you whilst bolstering retirement possibilities. There is never a time too early to start but there can be a time that is too late, severely impacting on our retirement possibilities.

A Guide to Downsizing to Boost your Retirement Savings

March 6, 2018 · Published by RJS Wealth Management Pty Ltd

From 1 July 2018, Australian homeowners aged 65 years and older will be eligible to contribute up to $300,000 as a non-concessional (after-tax) contribution to their superannuation. Why would you place the funds in your superannuation? By placing the funds in your superannuation. Then paying yourself a pension from that superannuation all earnings on the investment including Capital Gains are generally tax free. As is the pension you would be receiving.

When Financial Planners and Accountants Collaborate – YOU WIN

· Published by RJS Wealth Management Pty Ltd

When you have a Financial Planner and Accountant on your team, they don’t compete, they complement one another. Each will be upfront about what they are licenced and qualified to help you with and refer you on at the appropriate point. This is the way we work at RJS Wealth Management, both Financial Planners and Accountants (for personal and business matters) know each other’s skill sets so well that working collaboratively is easy.

Why the All Ords index can’t predict your super fund performance

January 10, 2018 · Published by RJS Wealth Management Pty Ltd

Many investors like to keep an eye on the markets in general, or to watch the prices of assets they’ve invested in. When things are going well, this can give them confidence in their investments, but poor market performance can also undermine those good feelings. There’s danger in comparing big market indices to the performance of personal investments because they are seldom similar enough to be truly correlated.

How to avoid too much silly this silly season

December 11, 2017 · Published by RJS Wealth Management Pty Ltd

The silly season has not just begun, it’s more than half way over. Even though Christmas is just around the corner, it’s never too late to bring some kind of order to your financial behaviour. If you’re known for blowing the budget at Christmas time or your financial situation needs some scrutiny, this is a marvellous opportunity to change your habits and take stock.

The golden rules of wealth creation

November 7, 2017 · Published by RJS Wealth Management Pty Ltd

Many people fail to create wealth because they lack knowledge of where to start, or confidence in their ability to make the right decisions1. No one automatically knows how to budget, or save or invest wisely, these are skills you need to learn. If you’re keen to create wealth and a strong financial future, you need to begin by taking the time to educate yourself.

How does Global Inflation impact Australian Investors?

October 31, 2017 · Published by RJS Wealth Management Pty Ltd

Inflation is the rate at which the price of goods and services rise (and the power of money falls). It’s an issue for everyone (no one likes paying more for anything), but while you’re earning income, your salary should (in theory), increase along with the cost of living, leaving you no better or worse off. For retirees, who are now surviving on their savings and investments, inflation can be a threat, because the cost of living increases, while the value of their investments may not. If you have a good financial planner, they have most likely built a buffer for inflation into your retirement targets to counteract these increases.

How do foreign exchange fluctuations impact Australian investments

October 23, 2017 · Published by RJS Wealth Management Pty Ltd

Foreign exchange risk (or currency risk) is the financial risk of an investment’s value changing due to the changes in currency exchange rates1. Any time you invest in an asset with an overseas connection you will be exposed to foreign exchange (or FX) risk.

Why Australian investors are impacted by international interest rates

May 13, 2022 · Published by RJS Wealth Management Pty Ltd

In 2017’s global economy it’s impossible for any country to behave as though it’s in a vacuum. Why Australian investors are impacted by international interest rates is determined by a number of factors. These days, every developed country is interconnected and even if Australian shares no border with another nation, economic factors like international share prices and interest rates affect Australian investors.