Coral Coast Financial Planning

13 common sense tips to help manage your finances | AMP Capital

November 15, 2018

> Getting your personal finances right can be a challenge. Here are 13 tips that may be of use: shop around when it comes to financial services; don’t take on too much debt; allow that interest rates can go up as well as down; allow for rainy days; credit cards are great but they deserve respect; use your mortgage (if you can) for all longer term debt; start saving and investing early; allow that asset prices go up and down; try and see financial events in their longer-term context; know your risk tolerance; make the most of the Mum and Dad bank; be wary of the crowd; and there is no free lunch...

November 2018

November 08, 2018

Market update The table below provides details of the movement in average investment returns from... https://eread.com.au/ampNDMWDH/85141

Rising US interest rates, trade wars, the US midterm election results, etc - should investors be worried?

November 08, 2018

October was a bad month for shares with global shares losing 6.8% in local currency terms and Australian shares losing 6.1%. It’s possible that following top to bottom falls of 9% for global shares, 11% for Australian shares, 21% in emerging markets and even 31% in Chinese shares we have now seen the low in the share market rout...

What are the 3 biggest living expenses for households?

October 31, 2018

We check out the three largest contributors to household spending in Australia and where people would source cash if living expenses increased. Find out more with AMP.

Are shares expensive? | AMP Capital

October 24, 2018

Some commentators claim shares are way overvalued and so a crash is inevitable...

The pullback in shares – seven things investors need to keep in mind

October 15, 2018

Dr Shane Oliver explains what investors should keep in mind.

The pullback in shares - seven things investors need to keep in mind | AMP Capital

October 12, 2018

Sharp market falls with headlines screaming that billions of dollars have been wiped off the share market (funny that you never see the same headlines on the way up!) are stressful for investors as no one likes to see the value of their investments decline. However, several things are worth bearing in mind...

How I became mortgage-free at 35 (and now enjoy financial freedom)

October 04, 2018

The first strategy is to always pay more than the minimum.

Successful investing despite 115 million worries and Truth Decay – how to turn down the noise | AMP Capital

September 27, 2018

A surge in financial information and opinion combined with our inclination to focus on negative news risks making us worse investors: more fearful, more jittery, more reactive, less reflective & more short term. This is potentially harmful to our long-term financial health.

Seven lessons from the Global Financial Crisis for investors | AMP Capital

September 12, 2018

The period August to October is a time for anniversaries of financial market crises – the 1929 share crash, the 1974 bear market low, the 1987 share crash, the Emerging market/LTCM crisis in 1998, and of course the worst of the Global Financial Crisis in 2008...

Money mistakes you make in your 20s

September 11, 2018

Which of these money mistakes sound all too familiar when it comes to you and your squad? Find out more with AMP.

Five things you need to know about the Australian economy | AMP Capital

September 06, 2018

For years now, many have told us that Australia is heading for an imminent recession. By contrast official forecasts have long been looking for several years of above trend growth. In the event neither has happened and we don’t see them happening anytime soon. Against this backdrop there are five things you should know about the Australian economy...

Investment returns over the next five years are likely to slow | AMP Capital

August 27, 2018

The past five years have seen pretty good returns for well-diversified investors. While cash and bond returns have been modest, growth assets have been strong. Average balance growth superannuation funds have returned 8.5% pa over the five years to June and that’s after fees and taxes. This is particularly impressive given that inflation has been around 2%.

Why the $A is likely to fall further and shorting it is good protection against things going wrong globally | AMP Capital

August 21, 2018

For the last two calendar years the Australian dollar has defied our expectations for weakness. But after hitting $US0.81 in January it’s been trending down as US interest rates fell below the Australian cash rate, the threat of a US-driven trade war increased and it recently broke below a short-term range around $US0.74 and fell as low as $US0.72 on fears of contagion to global growth from a crisis in Turkey.

More than one-fifth of Australians in their mid 20s still live at home with parents: survey

August 12, 2018

More than one in five Australian’s in their mid 20s still live at home. Find out why and learn more with AMP.

Nine keys to successful investing | AMP Capital

August 08, 2018

Trumponomics and investment markets | AMP Capital

July 26, 2018

Since Donald Trump was elected President back on November 8, 2016 we have focussed on whether we will see Trump the rabble-rousing populist or Trump the business-friendly pragmatist. Despite lots of noise – particularly via Trump’s frequent tweets – for the most part Trump the pragmatist has dominated so far. But we have clearly seen a swing to Trump the populist this year – raising risks for investors.

7 money personalities you may identify with or want to avoid

July 25, 2018

This list of common money personalities could shed light on how you and those around you measure up. Find out more with AMP.

Lender’s mortgage insurance explained

July 24, 2018

Find out what lender's mortgage insurance is and how it could affect your home loan and what you pay back. AMP explains in simple terms.

AMP and the Royal Commission FAQ - AMP

July 13, 2018

FAQ regarding AMP and the Royal Commission

AMP grant winner cultivates Australia’s farmers of tomorrow

July 09, 2018

AMP Tomorrow Maker Sam Marwood and friends are matching retiring farmers with those wanting to work the land but lack the financial means.

New legislation aims to benefit first home buyers

July 04, 2018

Eligible first home buyers can now withdraw certain voluntary super contributions to put toward a home deposit. Find out more with AMP.

2017-18 saw strong returns for diversified investors – but there’s a few storm clouds around | AMP Capital

July 04, 2018

New rules to benefit those downsizing for retirement

July 04, 2018

Aussies aged 65 and over can now top up their super with the proceeds from the sale of their main residence. Learn more about downsizing for retirement with AMP.

Super investment options – what’s right for you?

July 03, 2018

Choosing the right super investment options at the right time could make a difference to how much money you have when you retire. Find out more with AMP.

Affordable school holiday activities

July 02, 2018

Find out how AMP News&insights readers will be keeping their kids entertained in the school holidays without forking out a bundle of cash. Follow AMP's budget tips for the school holidays.

Should the RBA raise rates to prepare households for higher global rates? | AMP Capital

June 28, 2018

New FY, new start

June 22, 2018

New FY, new start

Global trade wars could escalate | AMP Capital

June 20, 2018

Putting the global “debt bomb” in perspective – seven reasons to be alert but not alarmed | AMP Capital

June 18, 2018

Super changes

June 15, 2018

Super changes

Superannuation and separation: Who keeps the money?

June 14, 2018

If you file for divorce, or separate from your de facto, who gets to keep the superannuation money? Discover more about superannuation and divorce today with AMP.

China’s economy is pretty stable – but what about high debt levels and other risks? | AMP Capital

June 04, 2018

Retirement planning – make the most of your money

May 28, 2018

Retirement planning? Ensure you make the most of your money. Discover how to make every dollar count with these five simple tips. Learn more today with AMP.

Work expenses - what can you claim on tax?

May 25, 2018

See what you need to know about claiming work-related expenses and don’t forget to lodge your tax return by 31 October, unless you’re using a tax agent.

Italy is a worry - but 3 reasons not to be concerned about an Itexit | AMP Capital

May 21, 2018

2018-19 Federal Budget client briefing

May 09, 2018

9 May 2018 Here’s a roundup of some of the key proposals put forward in last night’s Federal... https://eread.com.au/ampNDMWDH/74953

Federal Budget roundup 2018-19

May 09, 2018

Here’s a roundup of some of the key 2018-19 Federal Budget announcements, and analysis of how the budget proposals might affect you. Learn more with AMP.

After the Australian household debt and east coast housing booms – interest rates on hold until 2020 | AMP Capital

May 02, 2018

How much super should I have at my age?

May 01, 2018

How much super should I have at my age? If you’re wondering whether your super is on track, compare it to others your age. Learn more today with AMP.

More precious than time

April 24, 2018

More precious than time

Paying bills on time just became more important

April 19, 2018

With comprehensive credit reporting due to kick off from 1 July 2018, paying your bills on time will become even more important.

Are you entitled to a tax deduction on personal super contributions?

April 17, 2018

This financial year is the first time employees can claim a tax deduction for their personal super contributions. Find out more with AMP.

7 questions to determine how much insurance you might need

April 10, 2018

Everyone is different, so it’s important to ask yourself the right questions as the cover you require will depend on multiple factors.

Planning for a (much) longer life

April 04, 2018

We generally need to make earnings from 40 to 50 years in the workforce extend across what could be 80 to 90 years of living.

What is the cost of raising a child?

April 03, 2018

Raising kids can be an expensive business, so make sure you’re informed. What is the cost of raising a child in Australia? Discover more today with AMP.

Get your new financial year game on

March 27, 2018

Get your finances sorted for the new financial year AMP gives you tips for getting ready.

New legislation aims to benefit downsizers and first home buyers

March 20, 2018

Changes aimed at improving housing affordability have passed through parliament. Find out more with AMP.

Lessons from the Blue Zones: how to live longer – secrets of a long life

March 18, 2018

Want to know how to live a longer, healthier life and make your money last? AMP explores what we can learn from the Blue Zones and the secrets of a long life.

Separating fact from fiction when it comes to superannuation

February 26, 2018

If you’re wondering whether super is improving retirement outcomes for Australians, AMP takes a look at some of the findings.

What are the benefits of a split home loan?

February 13, 2018

If you can’t decide between a fixed or variable rate home loan, a split home loan could provide the best of both worlds. Discover the benefits with AMP.

The pullback in shares - seven reasons not to be too concerned

February 09, 2018

The recent share pullback has seen much coverage and generated much concern. Dr Shane Oliver offers seven considerations for investors.

The pros and cons of investment bonds

February 06, 2018

Investment bonds (also known as insurance or growth bonds) can be a tax-effective way to invest and save for the future. Find out more with AMP.

5 steps to take control

January 19, 2018

Achieving financial independence doesn’t have to be complex. Five commonsense steps could help you enjoy the life you want to lead.

What is an ethical super fund?

January 16, 2018

Investing your super in an ethical way is a growing trend in Australia. Learn more about responsible and ethical super investment with AMP.

Are you eligible for school subsidies?

January 10, 2018

Get up to speed with the government subsidies you may be able to access before the kids go back to school. Browse by state and territory allowances.

Australians reveal their priority goals

December 13, 2017

Most Australians indicate their biggest life goal is a financial one, but many admit failing to plan is a roadblock.

Will you suffer from post-purchase blues this festive season?

December 06, 2017

A survey has revealed that around 90% of Aussies make impulse purchases. Find out how you can make your money go further with AMP.

How to have a budget friendly holiday this summer

November 20, 2017

Looking for a cheap holiday destination that won’t break the bank? Discover some of the best options both at home and abroad. Learn more today with AMP.

What do Aussies do with their super?

October 30, 2017

Find out where and what retirees are investing and spending their superannuation money on, and how you can use your super money today.

Your Retirement, your way

October 24, 2017

Your Retirement, your way

10 tips to prepare for retirement

October 15, 2017

Learn more about how you can best prepare for your retirement.

Do you want growth or income or both?

October 15, 2017

Good cash flow makes life easier

October 15, 2017

Learn to structure you cash flow correctly

Will Australian house prices crash?

October 12, 2017

AMP Chief Economist Shane Oliver shares 5 reasons why the Australian property market is more complicated than the crash calls suggest.

Estate planning: what’s involved?

October 09, 2017

Estate planning is about more than just making a will. Learn how to make sure you and your money are well looked after later in life.

How to make every cent count

October 09, 2017

Are you feeling the pinch? There are a couple of key principles you can follow to help improve your financial situation.

Tap into the amazing power of compounding

October 03, 2017

Understand how you can make compound interest work for you.

Different ways to invest in shares

October 03, 2017

Learn all the ways you can invest in shares

The essential ingredients of a financial plan

October 03, 2017

Check out this recipe for a winning financial plan

7 ways to boost your super

September 29, 2017

Discover the many ways that you can boost your superannuation and reap the rewards in retirement. Learn more with AMP today.

Don’t want to be retired and in debt?

September 19, 2017

Find out ways to help you boost your cash flow and avoid debt in retirement.

More Aussies retiring later in life

September 18, 2017

Increased life expectancy means more Aussies will need to retire later in life. Find out about the implications of this and the considerations you may need to make.

Sequencing risk: The order of things

September 18, 2017

Learn to reduce sequencing risk today

Protecting your life at any age

September 18, 2017

So, you are seriously starting to think about your retirement. The kids are finally more independent, the mortgage is less than it was, and the super is more than it was.

All assets are not the same

September 18, 2017

See how all assets are unique

9 ways to manage investment risk

September 18, 2017

See how you can manage investment risk

5 ways to a longer, healthier, happier life

September 15, 2017

The best ways to sustain your physical, mental and financial wellbeing are sometimes the simplest. Discover five key tips to happy and healthy ageing.

What will spring serve up for first home buyers and upgraders?

September 11, 2017

Find out what lies ahead for the spring property market for first home buyers and upgraders from AMP Capital economist, Diana Mousina.

5 life insurance questions you’ve always wanted to ask

September 05, 2017

There are several questions people have about insurance. See what they are and what you can do! – AMP

Most kids expect to stay at home until they're 30

September 04, 2017

See why more Aussies are choosing to live with their parents for longer.

What’s an annuity?

August 31, 2017

An annuity provides you with a guaranteed income in retirement, regardless of how markets perform. Check out the pros and cons.

When good economics meet average profit guidance

August 31, 2017

Investors craving good news were left hungry as the Australian earnings season wound down without replicating the generally good economic conditions.

Closing the deal as a first home buyer

August 28, 2017

You’ve made an offer on your first property, but you’re not home and hosed yet. Find out what you can expect in the final weeks before settlement.

Superannuation… it’s not a case of “set and forget”

August 28, 2017

Do you really understand your super?

Borrowing to invest within your SMSF

August 28, 2017

Learn how your Self-managed superannuation funds can benefit you

Financial pearls of wisdom

August 28, 2017

Top tips for retirement

The foundations of successful investing

August 28, 2017

Make sure your investment portfolio is on solid foundations.

5 ways to make your gap year attractive to employers

August 27, 2017

If you’re looking to turn your gap year into something employers will value, check out these five things worth taking note of.

Should I rent or buy a home?

August 23, 2017

Don't know whether to rent or buy a home? Check out the latest economic outlook to help you understand the benefits and downsides of both options.

How much super should I have at my age?

August 21, 2017

If you’re wondering whether your super is on track, compare it to others your age.

Should I pay off my student debt early?

August 14, 2017

Depending on your situation, there may be pros and cons to clearing your student debt before you have to. Here’s what you need to know!

What is the retirement age in Australia?

August 14, 2017

Understand the difference between retirement age and preservation age? See how they affect your ability to retire, and the options available to you.

Your 5-point action plan when faced with redundancy

August 07, 2017

If you or someone you know has recently been made redundant, check out our 5-point action plan for what to do next.

The property versus shares debate

August 02, 2017

Not sure whether to invest in property or shares? See more

A glimpse of the future

August 02, 2017

Learn what the future holds for you

The benefits of investment diversification

August 02, 2017

Understand the upsides to investment diversification

The Australian consumer outlook: more headwinds to come

August 01, 2017

The Australian retail environment remains in a tough position due to factors weighing on consumer demand along with discounting pressures from competitors.

Beyond the budget

July 23, 2017

Six things to think about when organising your family finances.

Childcare is expensive, but not working costs more

July 20, 2017

The price of childcare may be a deterrent to working, but loss of income, super and other benefits may cost more.

Top tips when buying a property with your partner

July 11, 2017

Taking out a mortgage together means commitment and compromise. Find out what you and your partner should consider early on.

Millions but not all to benefit from 2017 super changes

July 10, 2017

Many Australians, in particular low-income earners, are set to benefit from the latest superannuation changes. See how new rules could impact you.

A new financial year - outlook and tips for investors in 2017/18

July 09, 2017

Is growth still in the forecast for the new financial year? Shane Oliver reveals his predictions

'Covert violence': The hidden cost of financial abuse

July 06, 2017

Economic abuse is recognised as a form of domestic violence in many, but not all, Australian states.