A big pay rise is a moment to celebrate. You’ve earned it—whether through hard work and dedication or maybe through a promotion or new job. But before you upgrade your car, move into a bigger home, or start dining out more often, there’s a silent financial trap you need to watch out for: we call it lifestyle creep. What Is Lifestyle Creep? Lifestyle creep happens when your spending increases in line with your income. It’s not reckless—it’s subtle. You start buying nicer cloth

When it comes to building wealth through investing, few concepts are as powerful—and as misunderstood—as compound interest. Often called the “eighth wonder of the world,” compound interest is the process where your investment earns returns, and those returns then earn returns themselves. Over time, this snowball effect can turn modest investments into substantial portfolios. What Is Compound Interest? In simple terms, compound interest means you earn interest not just on your

Milestones aren’t just about celebrating life’s big moments, they’re also important when it comes to financial planning. To help you make...

If you're new to investing and seeking a seamless way to grow your wealth, index funds might be the ideal solution. Let's delve into what...

So, you thought your financial plan would be straightforward—but then your adviser says, “You’re complex,” and you’re left wondering,...

The share market can be a confusing place, filled with misinformation. Let’s take a moment to debunk some common share market myths to...

Professional services are highly respected careers and generally well recognised for earning high incomes. What is less talked about is...

‘Tis the season to be giving so here are my financial gifts to see you thrive in 2024: Day 1 Set your financial goals for 2024 (don’t...

Inflation has remained higher for longer than predicted to the point where the phrase has become a mantra of the Reserve Bank of...

In investment circles arguably two of the most prominent names are Warren Buffet and his Vice Chairman Charlie Munger, of Berkshire...

This is an important issue at present, given resilient inflation and geopolitical issues. We have “borrowed” this article to share with...

Wondering how to make your money last in retirement? You are not alone, it’s probably one of the most common questions we get asked....

Are you feeling a bit exhausted by all the negative talk? The news is negative, the share market is currently negative, so it’s no...

There is never a bad time to start thinking about making plans for your future, or perhaps just quitting bad habits. If finance is on...

Preparing for retirement is a long game – a marathon more than a sprint, but all the preparation in the world can come undone if you...

New data released Naturally, people aspire to get the most out of their investments, especially if a great opportunity is presented by a...

Nothing like a lockdown to catch up on some reading. This one has been on my hit list for a while and I am only sorry to have taken so...

It’s the topic du jour with economists. So we thought it helpful to briefly recap what has led to inflation being the topic on everyone’s...

Record low cash rates have seen many investors forced up the risk spectrum in the search for a greater return. For retirees, this low...

The rollercoaster may have slowed down but there are likely to be many road-bumps along the way. Emmanuel Calligeris shares his insights...