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January 2025 Essentials – What you need to know!

Super vs property: what works for retirement income?

There is no debate that Australians love investing in property. The value of Australian residential real estate at the end of August 2024 was an estimated $10.95 trillion. But is it the best option?

The buy-first or sell-first dilemma

Deciding whether to buy a new home before selling your current one or to sell your home before buying a new one is a significant choice, and it can feel a bit overwhelming. Both options come with their own set of benefits and challenges, and your decision will be influenced by various factors, including the state of the housing market, your financial situation, and your personal preferences.

Is a retirement village right for you?

The retirement living sector is growing rapidly in Australia as the population ages and demand increases for a spot in a retirement village. But we are all different, as are our circumstances.

Will I Pay More for Aged Care?

Changes to aged care fees are coming, and they will impact both home care and residential care. After a long wait and lots of speculation, the government has released details of the proposed changes. While some people will see their fees increase, the good news is that aged care remains heavily subsidised, and fees will continue to be based on your financial situation to help with affordability.

Estate planning gives you a final say

Planning for what happens when you pass away or become incapacitated is an important way of protecting those you care about, saving them from dealing with a financial and administrative mess when they’re grieving.

The lowdown on negative gearing

Recently, negative gearing has been making waves in the news and with rental affordability becoming a serious issue in Australia, various political parties have weighed in. So what’s it all about?

Flying solo: tips for successful buying

For those who are wanting to get started on the homebuying journey, going it alone can have its challenges compared to a couple but there are ways to make flying solo easier.

From budgeting to bliss: managing money matters in your relationship

Money sure can stir up a lot of emotions in relationships. From arguments over who spent too much on takeout to disagreements about saving for a house, finances can be a major stressor for couples. So, let’s dive into why money can be a relationship minefield and how you can navigate those financial trenches with ease.

Dollar cost averaging: can it work for you?

Dollar-cost averaging is the practice of investing a fixed dollar amount on a regular basis, regardless of the share price. It is considered a good investing habit, be more efficient in how you invest, as well as improving your average cost per share.

Gifting for future generations

At this time of year, when giving is particularly on our minds, some might turn their attention to how best share their wealth or an unexpected windfall with their loved ones­.

Integrity One Accounting & Business Advisory Services Pty Ltd
Integrity One Planning Services Pty Ltd

Suite 2/1 Railway Cres (PO Box 1140)
Croydon VIC 3136

Tel  03 97230522    Fax  03  97249518

Email: integrity@iplan.com.au

www.integrityclients.com.au

Liability Limited by a scheme approved under Professional Standards Legislation

This information is of a general nature and does not take into consideration anyone’s individual circumstances or objectives. Financial Planning activities only are provided by Integrity One Planning Services Pty Ltd as a Corporate Authorised Representative No. 315000 of Integrity Financial Planners Pty Ltd ABN 71 069 537 855 AFSL 225051. Integrity One Planning Services Pty Ltd and Integrity One Accounting and Business Advisory Services Pty Ltd are not liable for any financial loss resulting from decisions made based on this information. These articles are not owned by Integrity One Planning Services. Please consult your adviser, finance specialist, broker, and/or accountant before making decisions using this information.

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Integrity One Planning Services Pty Ltd (ABN 59 125 846 933) is a Corporate Representative (315000) of Integrity Financial Planners Pty Ltd (AFSL No. 225051).