Personal Finances Archives - MGD

Library

In our library, you will find the latest financial news, valuable insights and ideas, tips and tricks we've learnt over the years and other helpful educational pieces.

Personal Finances

Maximising Your and Your Spouse’s Tax-Free Superannuation Benefits

28 September 2023
By Richard Marsden
For those with an eye on retirement, the 2023 May Federal Budget was important. Superannuation rules became more favourable for most. This article provides insight into two superannuation rule changes to know about and how you and your spouse can maximise your tax-free superannuation benefits.

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Predicting the Future 2023+

7 September 2023
By Richard Marsden
In this updated paper, Richard Marsden explores the compelling insights of personal financial modelling to help you plan for and live a great retirement.

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HECS-HELP debts might be interest free, but they are set for a steep indexation this year!

10 May 2023
By Jessica Harris
A HECS debt (otherwise known as a HELP debt) is an interest free loan, that allows you to slowly pay off your education loan as you reach certain taxable income thresholds. Whilst it is an interest free loan, it is indeed, indexed (increased).

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Young People and Super – Can We Eat Our Avocado and Retire Too?

12 December 2022
By Priyanka Luecke
For many younger people, superannuation is generally a low priority on their list of things to consider. Which is why, with a raft of legislative reforms now in play, there are active efforts from Government to engage the younger generation more in their superannuation.

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Five Money Mistakes You Should Try to Avoid When Repatriating to Australia

24 November 2022
By Richard Marsden
Repatriation can be a complex process when it comes to your finances. Seeking the right advice can help you avoid losing thousands of dollars in unnecessary tax whilst also help you achieve better wealth outcomes for your new life ahead.

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Repatriation with Children – The Right Advice

11 November 2022
By Richard Marsden
In this article, we welcome esteemed psychologist Deirdre Brandner who discusses how best to prepare and manage the repatriation experience for children of all ages, plus she shares her top tips for parents guiding children through this transition.

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Rolling Your Money – It’s a Bumpy Road

8 November 2022
By Priyanka Luecke
The term ‘rollover’ refers to transferring money within the superannuation environment. This article discusses the process of doing this through SuperStream, a government reform to improve the efficiency of the superannuation system, and the potential issues some people are experiencing.

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Returning to Australia from Hong Kong? Here Are Ten Things You Need to Know

7 November 2022
By Richard Marsden
Are you an Australian expat currently planning to return home from Hong Kong? Regardless of how eager you may be to return home, it is imperative to plan ahead and seek astute advice to ensure your repatriation experience is as smooth as possible, both from a lifestyle and financial perspective.

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A Six-Point Retirement Plan

11 August 2022
By Richard Marsden
With the significant changes in economic and financial market conditions so far in 2022, having a sound plan is more important than ever so you can stay in control of and on track towards your ideal retirement. This Six-Point Plan is designed to reduce risk, take advantage of opportunities, and retire successfully in uncertain times.

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Podcast: Navigating a High Inflation, Post-COVID World

11 August 2022
Recently, Richard Marsden and Jessica Harris joined Adam Thorn on the Australian Aviation Podcast to make sense of the current high inflation, post-COVID world and how to navigate it in order to make it through without experiencing financial strain or loss.

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Event-Based Advice

8 February 2022
By Richard Marsden
In this paper, Richard Marsden articulates at what times we believe value can be best obtained by those serious about planning to become or to remain financially independent.

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Predicting the Future

28 July 2021
By Richard Marsden
In this paper, Richard Marsden explores how financial modelling can add clarity to financial decision-making, assist in planning retirement, and improve the prospects of achieving a financially successful retirement.

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Working Mums, you are worth it!

7 June 2021
By Mikaela Holmes
Whether you are working part-time, full-time, or not at all, mothers are a valuable asset for any household and one worth insuring. When undertaking an insurance needs analysis for clients, we consider various financial impacts, such as caring for someone who is sick or injured, or caring for children and running the household. These can all have a monetary value assigned to them and should be considered a need in the case of various insurable events.

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Shout out to the working mums

27 January 2021
By Mikaela Holmes
In my experience, working mothers have an ever-growing list of things to do and think about - and they usually all relate to their children. With this in mind, it is important to make sure we take time to think about ourselves too (mentally, emotionally, physically and financially), both for the now and for the future. In this article, I want to share some information on two government benefits that may help the financial side of things.

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Death and divorce: be prepared

16 December 2020
By Michelle Dall'Alba
The two most stressful circumstances a person can experience are divorce and the death of a spouse, according to the Life Change Index Scale (The Stress Test). We don’t want to contemplate either; however, if we face the prospect of both, we can develop a plan to ensure our financial position is protected. These two experiences have their own unique challenges, however there are common financial considerations.

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The art and science of a redundancy payment

13 November 2020
By Rachel Barlow
With businesses and households around Australia suffering from the effects of COVID-19, we’ve been doing a lot of work recently for people who are being offered a redundancy, including pilots, senior flight attendants, academics, and professionals. We’ve seen how challenging it can be for redundancy recipients to assess whether they should accept a package.

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(Video) The human side of crisis management

24 April 2020
On Tuesday, 21 April 2020, we hosted our webinar, "The Human Side of Crisis Management: Helping you support your employees in times of crisis". In the webinar, our presenters, thought leaders in their own fields, shared their insights into how human resource leaders and executives can make a meaningful difference to how their staff cope with financial stress.

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