PGA Advisory in Melbourne, Victoria, Australia | Financial consultant

PGA Advisory

Locality: Melbourne, Victoria, Australia

Address: Level 18, 390 St Kilda Road 3004 Melbourne, VIC, Australia

Website: http://www.pgaadvisory.com.au

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25.01.2022 Joe is PGA Advisorys acquisitions manager. Joes expertise is in deciphering the needs of clients, to gauge an optimum plan to accelerate financial success. He offers valuable insights to ensure each client he works with has a clear understanding of how they can enliven their position in pursuit of financial excellence.

25.01.2022 Are the banks still lending money during the COVID-19 period? Tune in to hear David Philipsens insights.

24.01.2022 Changes to the JobKeeper payment are going to be taking place very soon. Listen in to hear the details of what will be happening at the end of September.

23.01.2022 Are Victorias stage 4 restrictions going to delay my build? This is a question we have heard so many people asking lately. Tune in to hear Evan Cathcarts exclusive insights.

23.01.2022 Why its better to buy: An Investment in the Future Rental prices may be low now, but they might not stay that way. If you buy in the near future, you have the potential to capitalise on lower home prices. As the market eventually rebounds after COVID, as it certainly will, you could be sitting on some very valuable property in just a few years

21.01.2022 A major bank-owned lender has introduced a new LMI offering for first home buyers with a 15 percent deposit. Westpac subsidiary St.George Bank has announced the rollout of a new offering for first home buyers that are unable to secure a 20 percent deposit. Effective from 13th July, St.George has reduced lenders mortgage insurance (LMI) costs to just $1 for first home buyers with a loan-to-value ratio (LVR) of up to 85 percent.... The offer is restricted to loans of up to $850,000 for owner-occupier first home buyers with principal and interest repayment terms. See more

21.01.2022 Interview #04: Evan Cathcart - Construction Industry We had a chat to Evan Cathcart about the impact that COVID-19 has had on the construction industry in Australia and what things will look like post-pandemic.

20.01.2022 Housing values in Melbourne moved through a fourth month of decline over August. Cumulatively, there has been a 3.5% decline between the peak in March and the end of July. The decline in home values has been more significant across the top quartile of the market, where values have been down 4.5% over the past three months, according to Michael Yardney from Property Update.

20.01.2022 Spring has almost sprung and so it is the perfect time for some spring cleaning and overall freshening of our lives. From talking to many clients, we understand that some of the greatest stress Australians face is in regards to their finances and paying off debt. If you are one of the many people who are struggling, we are here to help. Reach out to see how we can support you in making life feel that little bit lighter.

20.01.2022 Life pre-COVID-19 almost seems difficult to remember, although it certainly wasnt all doom and gloom for Australia. Over the past 12 to 18 months its important to reflect and appreciate the economic position we were in before COVID-19 hit. Check out our latest article (link in bio) to read more about Australias economic position pre-COVID.

19.01.2022 August Economic Market Update - Cash rate= 0.25% - Economic growth= 1.4% - Inflation= -0.3%... - Unemployment rate= 7.4% - Employment growth= -4.1% - Australian dollar= $0.7 to $0.72 range - ASX= down 17% - Auction clearance rates= 66% average nationwide Statistics informed by the Reserve Bank of Australia and CoreLogic.

19.01.2022 In order to save, you need to have a 'why' otherwise it's unlikely that you'll make an ongoing commitment to putting money aside to begin building wealth. Your why could be because you want to go on a holiday next year, or you want to purchase a car, or you want buy your first home, or you want to save to invest. Sit down and dream a little...figure out your why and it will make saving money far more of a breeze.

18.01.2022 Sharemarkets and COVID-19: Sharemarkets have not been immune to COVID-19. There was an initial jolt earlier this year. However, since the near 40% sell-off in late March, sharemarkets have recovered not all, but a large chunk of the losses. The recovery in markets was supported by the billions and billions of dollars governments around the world have injected into the economy. Some of this money is finding its way into investment markets to support asset values.

17.01.2022 The Australian Retirement Crisis How much will you need to retire? To enjoy a good standard of living most Australians will need around $72,000 each year. With future superannuation returns expected to be 5% to 7% per annum, how much wealth will you need to fund your lifestyle in retirement?

17.01.2022 Phoebe is the general manager at PGA Advisory. Alongside governing all aspects of the company and ensuring all departments are progressing, Phoebe supports clients through their entire journey with PGA Advisory. Working in a professional and personal capacity, Phoebe takes a long term approach to building relationships with clients to ensure their experience is one of the highest calibre.

16.01.2022 Feel like youre struggling to keep your head above water in regard to your finances? When it comes to your finances, its vital that you are on top of your game, that you know exactly where your money is going, and that you have a plan for the future. If you need assistance getting ahead - were here to help

16.01.2022 If you are stressed about any facet of your finances, we are here to help.

15.01.2022 While we are working from home and the offices are empty, lets upkeep our productivity and maintain our wellbeing. For tips on how you can use this lockdown productively while nurturing your health, head to the latest article on our website.

15.01.2022 On Tuesday, the RBA Board decided to maintain the current policy settings, including the targets for the cash rate and the yield on 3-year Australian Government bonds of 25 basis points.

14.01.2022 What are PGA Advisory helping Australians with? In short - we are helping Australians with all things related to increasing their financial position. Tune in to hear more

14.01.2022 The number of Australians who feel that they are in full control of their finances is only around one in five, according to a recent study by UBank. Budgeting and spending measures can give people peace of mind. The good news is that there are numerous financial management apps that help with budgeting and spending to record expenses and help people feel in control of their money. The UBank research found only 28% of Australians actively use financial management/budgeting too...ls. Additionally, 31% say they have not used any, but think it would be a good move. If you know important rates such as your mortgage; you are more likely to realise that there are special deals that are more attractive and could potentially save you thousands if you switch.

13.01.2022 Why can't we just print more money? Inflation is the price rise of things we buy over time. Inflation applies to everything from a banana to an entire house and it’s affected by how much money we all have and other social and economic influences.... If we all have more money than stuff, everyone jumps in the car to go shopping. But! The number of things available to buy stays the same, and the result? Prices rise. That’s one way inflation and hyperinflation happens. If the Reserve Bank of Australia (RBA) prints more money, it increases the supply of money floating around the economy. You might say to that, yes, isn’t that the point? That is the point. The challenge is, now, there’s more money for the same amount of ‘stuff’ for people to buy. If you had $100 in your account and, overnight, the RBA prints money, your $100 is now worth less because there’s more $100s floating around. Everyone is using their $100 to buy things which means demand for those things increases. As a result, businesses may put their price of things up.

12.01.2022 Data recently made available from the Australian Bureau of Statistics revealed that the total number and value of refinanced home loans peaked in May 2020, with refinancing activity posting its largest month-on-month increase in nearly 20 years and rocketing more than 90% year on year. The total value of refinanced home loans exceeded $15.1bn in May, up 26% from the previous high of $12bn in April.

12.01.2022 Maximising your investment return is a result of implementing strategic investment pillars. Investing sensibly is a pivotal part of getting ahead.

11.01.2022 Economic Market Update - September - Cash rate= 0.25% - Economic growth= -6.3% - Inflation= -0.3%... - Unemployment rate= 7.5% - Employment growth= -3.2 per cent. - Australian dollar= $0.72 to $0.73 range. - Auction clearance rates= 60% nationwide Statistics informed by the Reserve Bank of Australia and CoreLogic See more

11.01.2022 Australian's should begin planning for retirement well before the end of their working years. Lack of planning leads to the inability of maintaining your desired lifestyle during retirement. This is a circumstance that can be avoided with accurate and effective strategies. Having the right retirement strategy in place is crucial to maintain financial security when your working years have come to an end. Unfortunately, the old days of focusing on superannuation and retiremen...t are outdated and innovative strategies are being called for. For a comfortable future, we need a comprehensive and detailed plan. We need a plan that begins now as not taking any action is the biggest risk we can take. We are committed to providing tailored, long-term and tax-effective strategies to assist Australians in creating a stable path to retirement. Disclaimer: The content contained in this post is not intended to be, nor should it be, relied on as a substitute for financial or other professional advice.

11.01.2022 Working From Home To support you on your quest for maintaining high-levels of productivity and well-being during this difficult time, we have compiled a list of things that you can do to make working from home just that little bit easier. Read the latest article on our website for more details.

10.01.2022 Managing a work/life balance is difficult at the best of times, and now that we have to stay home, our sense of well-being and productivity are being tested. Keeping an eye on our personal well-being is vital at this point in time.

09.01.2022 The Reserve Bank (RBA) has dropped the official cash rate by another 15 basis points to a historical low of 0.1% in an attempt to boost Australia's economy. The move from 0.25% to a near-zero rate follows the second lockdown in Victoria that hit our nation's economy hard, as well as mounting pressure on the central bank to do more to support employment.

09.01.2022 Times are tough right now, but lets remember that this could be worse. Having a daily rhythm provides you with the conditions to feel your best and to do your best. If we fail to take care of ourselves, its our health and our ability to do good work that is compromised. Lets see this situation we are in from a glass-half-full perspective, lets embrace the cards that we have been dealt and come out the other side feeling stronger than we ever have.

08.01.2022 Not sure who to trust when it comes to finding your way to accurate and credible financial education? Look no further. We have an extensive list of articles on our website that will help to guide you on your path to financial freedom. Head to the link in bio to get educated!

08.01.2022 We recently ran a workshop for our clients with Laura Poole on meditation and the science of stress, as a part of our Health Is Wealth program. We believe that having your wellbeing in-check is your primary asset, and having a sense of good health makes the world a brighter place. Invest not only in your financial health but in your overall wellbeing too.

08.01.2022 According to a recent report released by the Reserve Bank of Australia, the average nationwide weekly earnings are at $1,257.

07.01.2022 This time at home will not last. We dont know how long it will go on for but while were at home, we may as well make the most of it. Take this time to plan ahead, to think about the kind of life you want to live, the life you want to set-up for your children, and do what needs to be done to get the ball rolling. The first step to be taken may be getting your finances in order. If you need some guidance, reach out to us.

06.01.2022 Working collaboratively with clients, our process begins with a financial health check, during which our elite team of experts gain an understanding of each clients financial situation. We ensure that the most informed and effective solutions are considered for every client and we provide tailored blueprint strategies for each individual circumstance.

06.01.2022 What grants are available for first home buyers at this point in time? There are two grants on offer at the moment: 1. First Home Buyers Grant... 2. HomeBuilder Grant There is up to $45k available for first home buyers. Tune in to hear Michael Mancusos insights.

04.01.2022 What is the best way for someone to contact PGA Advisory to seek advice? Call us, email us, connect via LinkedIn, Instagram, Facebook - we'd love to hear from you.

04.01.2022 We had a chat to Evan Cathcart about the impact that COVID-19 has had on the construction industry in Australia and what things will look like post-pandemic.

03.01.2022 RBA governor, Philip Lowe states that Australia's unemployment rate is likely to remain high, although will peak slightly below 8%, rather than the 10% previously expected. He said it was forecast to drop to 6% at the end of 2022.

03.01.2022 According to a recent report released by the RBA, as of August 10th, economic growth continued at a stable 1.4 per cent and inflation is low at negative 0.3 per cent.

03.01.2022 What assistance are Australias banks offering at the moment? Tune in to hear David Philipsens exclusive insights.

03.01.2022 If your home is in need of renovations, the HomeBuilder Grant is available to assist you to make those changes happen. Now is the time to uplift your home. Head to the articles page on our website to read more about the HomeBuilder Grant.

02.01.2022 There are many mature Australians that believe they have left it too late to enter the property market. Well, were here to tell you that it is never too late. If youre unsure of your options whether you consider yourself young, old, or anywhere in between, we are here to guide you in the right direction and to help you actualise your dreams

02.01.2022 If you are struggling during this COVID-19, we are here to help. Reach out to us to see how we can help.

02.01.2022 Economic Market Update Cash rate = 0.1% Economic growth = -3.8% Inflation = 0.9%... Unemployment rate= 6.6% Employment growth = -0.5% AUD = $0.77 - $0.78 range Auction clearance rates = 83.81% average nationwide Disclaimer: The content contained in this post is not intended to be, nor should it be, relied on as a substitute for financial or other professional advice.

01.01.2022 We had a conversation with David Philipsen from Parker Finance to discuss all things related to the finance industry within this current climate. David shares plenty of tips on how to better manage your money as well as discussing how the banks are assisting Australians during this COVID period.