Category Archives: Insights


Take years off your Home Loan with simple debt strategies

29

Nov 2018

Take years off your Home Loan with simple debt strategies

Take years off your Home Loan with simple debt strategies The average home loan in NSW is $610,000 with a loan term of 30 years. Did you know that over this period, $1,037,772 will be paid back to the bank? Our Navigate debt specialist, Vanessa Brunker, uses simple strategies to help you repay less and in a shorter period of time. Vanessa says, “It’s not…

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$50 Salary Sacrifice Challenge

16

Oct 2017

$50 Salary Sacrifice Challenge

The $50 Salary sacrifice challenge is based off the idea that consistently saving for a very long period of time will make a substantial difference in the end. I have heard of a lot of different savings plans starting from back in the day; piggy banks or coins in a jar and with today’s technology, applications that will take your change after purchasing an item…

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Developing a savings plan

16

Dec 2015

Developing a savings plan

Author: Ryan O’Grady, Financial Planner at Navigate Financial Group Developing a savings plan Many clients that I meet would like to save more money. Most of them will actually admit to me that they have the capacity to save but they either lack the discipline for regular savings or simply consume any money that they have sitting in their day to day account. In conjunction…

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Capital Growth & Income

16

Dec 2015

Capital Growth & Income

Capital Growth and Income – How does it all work? Author: Ryan O’Grady, Financial Planner at Navigate Financial Group Capital Growth What is it? Capital Growth is simply the increased value of an owned asset over its original purchase price.  Two of the most common examples of assets in Australia that experience capital growth are property and shares. For an asset to increase in value…

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Salary Sacrifice

15

Dec 2015

Salary Sacrifice

Author: Ryan O’Grady, Financial Planner at Navigate Financial Group What is Salary sacrifice? Salary sacrifice is simply an arrangement with your employer, where you agree to forego part of your future salary or wages in return for your employer providing benefits of a similar value. This article will specifically focus on extra contributions made into your superannuation fund however you are also able to package…

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14

Jul 2015

What Exactly Is Superannuation?

By: Ryan O’Grady Financial Planner at Navigate Financial Group Structure of super Super is money set aside over your lifetime to provide for your retirement. For most people, super begins when you start work and your employer starts paying super for you.  Currently in Australia, if you are an employee of a company, Your employer must pay 9.5% of your salary into a super fund….

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Building a Financial Dam to Stop your Cash-Flow Leaks

04

May 2015

Building a Financial Dam to Stop your Cash-Flow Leaks

By Navigate Financial Group It has been something our parents have tried to instill in us from a young age, try and save a portion of everything you make for a rainy day as you never know when you might need it. From generation to generation, we either seem to be extremely efficient of making the most of our money, paying down debts quickly and …

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Is A Self-Managed Super-Fund a Wise Step for you?

12

Dec 2014

Is A Self-Managed Super-Fund a Wise Step for you?

By Navigate Financial Group, Director & Planner, Tony Borg A self-managed super fund – or SMSF as they are more frequently called – are becoming one of the most popular tools on the average Australian’s financial tool belt. Putting you directly in control when investing for your retirement, it is easy to see why so many people are opting to start their own SMSF. In…

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