RAYNER PLANNERS Creating a personalised plan to help you achieve your financial and lifestyle goals. FIND OUT HOW WE CAN HELP “We are very impressed with the personalised professional service and advice given to us and how she has tailored this specifically to suit our situation and future needs. We feel very comfortable to put … Read more
Investment funds can be broadly split into two categories – active and passive. And while both options play a part in an investment portfolio, it’s important to understand how each works before allocating money to them. Basics of passive investing Passive investing has gained momentum in Australia, and beyond, over the last decade. It could … Read more
According to the Australian Taxation Office, there are three ways to claim your home office running expenses. The actual cost method Under this method, your tax deductions include the actual costs of work-related expenses. This applies to things such as the costs of your home office furniture and fittings, as well as equipment such as … Read more
We live in a culture of smartphones, WIFI, home delivery, online shopping and online gaming, where most needs and wants can be met almost instantly. With so much temptation to spend, it’s vital to teach your kids the money skills to help them enjoy financial wellbeing as adults. But should you give your teenager a … Read more
There’s no denying that staying home has been the best defence against Coronavirus. The less contact you have with other people, the easier it is to stay healthy. But staying at home day after day has been a tough ask – especially for people who live alone. Being unable to hug your grandchildren, catch up … Read more
As lockdown restrictions begin to ease Australia-wide, a new normal is emerging for businesses and employees. While it’s too soon to say what the post-lockdown economy will bring, for many Australians life won’t be quite the same as it was before COVID-19. Record job losses, reduced hours of work and the deferral of dividend payments … Read more
Determined to master your money and stick to a budget in 2020? It doesn’t have to be boring or difficult if you keep it simple, and easier still if you let technology do the heavy lifting for you. 1. Pocketbook Pocketbook automatically organises your spending into categories like clothes, groceries and fuel, showing you where money is … Read more
The COVID-19 crisis has seen many Australians taking steps to stay afloat with their finances. With women more likely than men to withdraw super to make up the shortfall in their income, what does this mean for their long-term financial wellbeing? Here are 5 reasons as to why a super withdrawal during this time could … Read more
The end of financial year on 30 June is a good time to take stock and get your finances in order. Being prepared, reviewing your super contributions and submitting your return on time are good policies every year, but the shadow of COVID-19 (coronavirus) means many of us face unexpected pressures in a changing economic … Read more
We’re dealing with a health crisis that no one in our lifetime has experienced, which is having an impact on global and domestic economies that no one could have forecast. Entire industries – tourism, entertainment and hospitality – have ground to a halt, and with them jobs. For Australians in these industries, not only are … Read more