Summerhill Invest in Melbourne, Victoria, Australia | Financial planner

Summerhill Invest

Locality: Melbourne, Victoria, Australia

Address: Level 1, 530 Collins Street 3000 Melbourne, VIC, Australia

Website: linktr.ee/summerhillinvest

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25.01.2022 Have you ever wondered what the benefits are when you work with a financial adviser? Well, there are a few. Navigating superannuation, insurance, investing, estate planning, aged care and more, can be confusing and overwhelming for many. Knowing exactly what you need at various stages of your life, can be equally difficult to know and implement.... This is where an adviser can step in and help you take control of your financial journey. Whether you want to grow, protect or transition your wealth, they can help you get the right solution in place. Working with an adviser can help you to: Remove the confusion Understand better financial management Help you set goals Keep you accountable Set an appropriate strategy Navigate the technical aspects Working with the right adviser and their team, can be a very rewarding journey. Have a chat to us if you want to know more about how we work with clients #SummerhillInvest #Fintech #FinancialServices #Investing101 #InvestingTips

25.01.2022 If you take care of the cents, the dollars will take care of themselves...right? There aren't many people that enjoy setting budgets or managing their cashflow. But, if you want to achieve your financial goals, big or small, you need to at least have a better handle on where your money goes It might seem tedious to set a budget, but it can just be a simple 3 way split:... Save/invest Expenses Spend If you know the difference between fixed costs (your weekly or monthly expenses) and variable costs (those funky shoes that have caught your eye ), you can understand what you might be able to save or invest, and still have funds left over to spend on the things that make you happy. This can be made easier when you have goals you really want to achieve, like buying a house, an overseas holiday or increasing your retirement pool of funds. The everyday decision to dip into savings to buy those shoes, now have a bigger impact on achieving your long term goals. It can often be the little changes, that can make a big impact on your financial dreams. Have a chat to us about how we can help you set some intentional goals and achieve them #investing101 #investingtips #moneymatters

24.01.2022 With the current climate, there are probably a lot of areas in your life getting more attention - cooking skills have increased, there's a bit more exercise being done and cupboards are getting cleaned out all over Australia. But, what about your finances? It's often the area we avoid or pay the least attention to. It usually doesn't give you the same endorphins as a cleaned out pantry or a 5km run does. But understanding where your money goes can be an empowering exercise.... Where to start? Begin by recording in a spreadsheet how much you spend on the following: Weekly spending - groceries, fuel, eating out Monthly debits - insurances, memberships, mortgage Annual bills - rates, associations, licences, registration Debt reduction - debts you are paying down and loans Savings - any savings you are putting aside on a regular basis Once you know where it all goes, you can understand what efficiencies you might have - ie. budget cuts! Money you save, can go into a 'travel fund', or maybe pay down the mortgage. You have options once you have some extra funds at the end of the month. Revisit your goals every 3-6 months and you'll start to see results. You got this! #summerhillinvest #fintech #financialservices #investing101 #investingtips

23.01.2022 Did you know that more than 1.2 million people received aged care services during 201718 In Australia? Most (77%) actually received those services in their home or some other community-based setting. To put this in a bit more context, of the Australians aged 65 or over in this time period: 7% accessed residential aged care 22% accessed some form of support or care at home... 71% lived at home without accessing government-subsidised aged care services Many Australians think that older family members with increased needs have to go from their family home directly into aged care. What can actually happen is that older family members can access some support services at home and potentially stay in the family home longer. Whether you're moving someone into aged care, or just trying to support someone to stay at home a little longer, investigating aged care services can be an emotional, difficult and daunting path to navigate, for both yourself and family members. Make sure you reach out to us if you need guidance, as we can help you get the right outcomes for everyone. * Source: aihw.gov.au #summerhillinvest #fintech #financialservices #investing101 #investingtips

23.01.2022 Planning for retirement can be a difficult concept for many Australians. It's often a long way in the future and it can be hard to balance planning for it and your current needs. Something that can make the goal seem a bit more exciting for our clients, is understanding how compound interest works. Compounding is basically interest on interest. It's the addition of interest to the principal investment and then you earn more interest on the total amount. So when you choose to ...reinvest interest, you create this compounding interest effect. Which means that your superannuation gets to take full advantage of over this time, because you are constantly reinvesting. You're also usually contributing more to the principal and growing the opportunity for compound interest to occur. It's a powerful concept and one that can contribute well to your retirement plan. Want to know more about how this can work for your? Get in touch with our team to discuss it further. #summerhillinvest #fintech #financialservices #investing101 #investingtips

22.01.2022 When our taps don't work, we call a plumber. When a dodgy power connection needs to be fixed, we get the electrician around to fix it. So why do so many Australians try to navigate superannuation and investing on their own? It can mean missing out on opportunities, or even costing yourself money or tax by getting it wrong. Over the last ten years alone, Australians have seen some major superannuation and tax reforms. This of course, makes it even more difficult for the aver...age investor to navigate for themselves due to the complexities. In 2018 ASIC conducted a survey titled 'Financial advice: What consumers really think'. It was interesting to note that 79 per cent of the respondents ranked 'financial advisers’ expertise in financial matters and access to products, as the top reasons they use financial advisers'. So the next time you think about navigating your insurance needs, getting a parent into aged care, or mapping out how to get more funds into super for retirement, make sure you reach out to us. We know our stuff and we're here to help. #FinancialServices #Investing101 #InvestingTips

20.01.2022 Do you have email conversations with your adviser, accountant or lawyer? Sometimes it's a bit easier to answer an email at 10 pm at night than to make time for a phone conversation during the day. What it can mean though, is we're open to email hacking and scams. Hackers are sometimes able to find their way into your inbox and they can mimic communications you have with your professional advisers - all for the purpose of getting access to your information and money.... There are some tips you can follow to not get caught out. 1 Look closely at the email address and make sure it's correct 2 If you're worried about an email, don't click on any links in it 3 Be wary if it doesn't sound how your adviser might write 4 Never put confidential information in an email - it's not secure 5 Always be wary of an 'urgency' to send information 6 Call your provider to confirm they sent the email It's always best to be safe and confirm that an email has been sent to you before you reply with personal information - so pick up the phone and call your adviser Scammers are very sophisticated these days, so never underestimate their ingenuity in trying to pull the wool over your eyes! #SummerhillInvest #Fintech #FinancialServices #Investing101 #InvestingTips

20.01.2022 What does your Sunday ritual usually involve? Walk the dog Morning coffee Read the paper... Watch kids sport Clean the car Do some gardening It's important to have a day in the week that helps you feel relaxed and stay grounded. Especially if you need to head back to work on Monday (which could mean walking to the office at home these days, but work all the same!). Getting enough mindful relaxation time, means you have the opportunity to be creative again come Monday. Make sure you save the paperwork for Monday and instead spend Sunday socialising (with distance of course), getting your hands and feet in the dirt or chilling on the sofa. Enjoy your relaxing Sunday #summerhillinvest #fintech #financialservices #investing101 #investingtips

19.01.2022 Did you know that stress is one of our biggest health issues? As a society we often overload ourselves with stress - financial, relationship, staying young, keeping up appearances etc. We are also operating in a world where we're exposed to stress via social media, TV news, corporate pressure and many more places. The reality is that in today's society stress is real and prevalent. The key to not letting our stress levels contribute to other health issues, is to have a better... management system. Here are some ideas to stay on top of stress: Exercise can play a huge role in increasing endorphins Limit stimulants like alcohol, caffeine and nicotine as they can increase anxiousness and sleeplessness Take time out to do activities you love and that recharge your mind and body Meditation can help control thoughts and relax your mind from over thinking - there are many apps available to help Make sure you sleep 8+ hours a night, so you're getting a good recharge for your next day Figure out what helps you reduce the feelings of being stressed and what makes you feel good afterwards - just do more of it everyday! You have a long life to live, so make sure it's a happy one #summerhillinvest #fintech #financialservices #investing101 #investingtips

19.01.2022 How often do your New Year's resolutions stick? It's fair to say that by January 2nd most years, everyone's best laid 'new year, new me' plans have ended up in the trash. Did you know that on average, it takes more than 2 months before a new behaviour becomes automatic? 66 days to be exact.... How long it takes each individual to form a new habit can also vary widely depending on the behaviour, the person, and the circumstances.* In other words, you need realistic expectations to have any success of meeting your goals - whatever they are. That means considering that quitting smoking or planning that healthy new body, might take you two to eight months to get the habits right and see some results. So how does that work for your finance? Well, any new savings or investing goals you may set for yourself will take some time to stick. The key success points are: Revisit your goals regulary Check how you're tracking to target monthly Work with an Adviser to help you stay on track Ready to meet some financial goals? We can help Source: jamesclear.com #summerhillinvest #fintech #financialservices #investing101 #investingtips

19.01.2022 Did you know that pets can reduce stress by 75%? Having a pet in your life can help you in many ways, but two of the biggest impacts a pet can have, are around improving: Physical health Mental wellbeing ... Australians are leading the pack (pardon the pun) in this regard, because they love their pets and have one of the highest rates of pet ownership in the world. At times like these pets are more important than ever, as they help support a daily routine and give you accountability for looking after someone else. Plus, who can resist a midday cuddle with their furry loved one? So when considering a new pet, there are a few considerations you need to be aware of. Some of the ongoing costs of your chosen pet, could be: Pet insurance Food Holiday homes or kennels Vet bills Pet ownership has so many positive benefits for both your health and wellbeing, it can be really worth the effort. But, if you don't have a pet you can always offer to look after a friend's pet...or even have a cuddle at the local dog park Source: adaa.org; RSPCA #summerhillinvest #fintech #financialservices #investing101 #investingtips

18.01.2022 We made it to Friday! When you've had a busy week at work, Friday afternoons often bring that delightful feeling of impending fun weekend activities. What happens when you retire though?... Most days become like Fridays, because you can do whatever you like. But, it also means that you need to have something planned for each day or it can become a bit boring between holidays. Of course, right now you don't think so...trust us though, it can happen. We like to make sure that our clients have a plan for how they'll spend their retirement days - encouraging them to think about what their week might look like. Mondays - golf with the team Tuesdays - breakfast with friends Wednesday - babysit grandchildren Thursdays - golf with friends Fridays - lunch out You might have hobbies in there, or volunteering - it's just important to still make sure you have purpose each day and keep that brain and body active. But for now, it's Friday afternoon and I think a is calling you! #FinancialServices #Investing101 #InvestingTips

18.01.2022 As you roll out of bed on Sunday morning to take Rufus or Matilda for that much needed leg stretch at the dog park, have a think about this: There are over 29 million pets in Australia We are close to the top of list for pet ownership in the world... Probably no surprise, as we are a country that embraces our furkids. But pet owners flagged four top benefits for having pets: Relational benefits (love, affection and companionship) Life being better in general Happiness, joy, pleasure and fun Improves mental health and wellbeing We totally agree and encourage our clients to have pets, if their lifestyle permits. Why? Because we know that it can be a reason for regular exercise, it helps with mental wellbeing and we hope it helps with loneliness. It can certainly bring some fun to your everyday! Living a long and happy life is what we want for all our clients, and maybe a or might help you get there Source: RSPCA #SummerhillInvest #Fintech #FinancialServices #Investing101 #InvestingTips

14.01.2022 FINANCE IN 15 Have you thought about starting your investing journey, but not sure where to begin? Come join our Facebook Q&A with Caroline Bell TONIGHT at 6PM (AEST) and start your education process ... Bring your questions along and chat with Caroline about money and investing. This month Caroline will be covering off on our thoughts about gold at the moment, plus sharemarket highs and what it all means. When is it all happening? WHEN: Tonight! 6pm (AEST) WHERE: Summerhill Invest Facebook Group So how can you get involved? Join our Facebook Group - http://bit.ly/2TU9peu Ask your questions - feel free to post in the group Put your question in the comments below It's not often you get access to your own financial adviser to ask questions, so we hope to see you there! #summerhillinvest #fintech #financialservices #investing101 #investingtips

14.01.2022 Australians see financial advice as essential due to COVID-19. KPMG Partner Tim Thomas explains Australians who have been impacted by the crisis see financial advice and planning as essential, and general awareness of the importance of advice is growing due to COVID-19.* The need for financial advice to be affordable and accessible has never been more significant. Which is why Summerhill Invest offers a hybrid model of financial advice.... We make the most of technology, so that we can reduce fees and make the process as simple, and accessible as possible for our clients. We also know that a personal relationship is often as meaningful as making the decision to start investing your hard earned funds. Meaning that the human touch we can provide helps to reduce the anxiety and fear of getting advice, or starting the investment journey. Our goal is to provide access to a simple and easy way to grow your financial knowledge, increase your empowerment to make financial decisions and to get advice when you need it. Taking the first step is as easy as booking a free chat with us. The link is in our bio Get started on your journey today * Source: https://bit.ly/SHI-MM #summerhillinvest #fintech #financialservices #investing101 #investingtips

14.01.2022 Saturday mornings are great for easing into a leisurely weekend. Breakfast out, good coffee and the paper So first up...what to have for breakfast? We love a good egg! They're a whole food, they're easy to source (even organic eggs) and they're super simple to cook. Plus, they taste delicious ... But, did you know that just one boiled egg packs a considerable nutritional punch? 40% of your daily vitamin D requirements 25% of your daily folate requirements 12% of your daily riboflavin (Vitamin B2) requirements 20% of your daily selenium requirements Eggs also contain vitamins A, E, B5, B12, as well as iron, iodine and phosphorus Which means you're already well on your way to meet some of your nutritional requirements for Saturday...and it's only breakfast! We think eggs might be a fabulous option for breakfast, coupled with your favourite coffee or tea You'll be ready and dangerous for what the day brings Happy Saturday! Source: australianeggs.org.au #FinancialServices #Investing101 #InvestingTips

14.01.2022 There's always a statistic that you don't want to hear. This one is it: Heart attacks claimed 7,813 lives in 2017, or on average, 21 each day* The sad reality is that many don't even know they have a heart condition until something happens. So what would happen if you were incapacitated after a heart attack, or worse, you died?... Do you have enough insurance to allow you to re-couperate without stress? Are there sufficient funds to support your family if you were no longer here? It's important to not only understand what type of policies you have in place so you know exactly what is covered but also what amounts are stipulated. You may need to pay down debts and replace an income, which can often work out to be a lot more than you have calculated 'will do'. Have you done an audit on your insurances lately? It's a great way to get a full picture, make any changes if you need to and have peace of mind that you have the right measures in place for you and your family. Book a time with us and we can review your insurances, make any recommendations and give you that peace of mind you need. Don't be caught unprepared, or worse uninsured *Source: heartfoundation.org.au #summerhillinvest #fintech #financialservices #investing101 #investingtips

12.01.2022 Have you thought about the legacy you might like to leave when you pass away? It's a topic that not everyone wants to talk about. Some might think it's about donating to a charity, or possibly setting up a foundation - so that people remember you. But for many, it will be as simple as getting an estate plan done properly. Studies in recent times, have shown that many Australians have Wills that are invalid or no longer reflect their true wishes. Which means your grand ideas t...o help family or friends, support organisations or just to make sure everyone gets their share, might get derailed when you depart. There can be a range of reasons for your Will becoming invalid or being no longer relevant: Getting divorced Separating from your partner Marrying someone new A change in your financial situation Beneficiaries or spouses passing before you New children or grandchildren Not being signed correctly Wasn't appropriately witnessed Make sure you review your Will each year when you see your financial adviser - just to make sure everything is correct and relevant. If you're ever in doubt, you can always give us a call to talk about it #SummerhillInvest #Fintech #FinancialServices #Investing101 #InvestingTips

12.01.2022 How are you managing your cash flow right now? For many, the financial pressures of managing bank accounts can be the source of household arguments. There might have been issues that have been simmering for a while, but times like these can bring it all to a head. The root cause can be avoidance, overspending, taking on unnecessary debt and not having enough savings. Taking control of all of these issues can mean access to greater life choices, as well as a reduced in family ...stress. Some simple steps you can take to ease the financial burden can include: Have a financial roadmap to work from Involve everyone in the family Set some goals to achieve Create accountability with a third party You don't need to do this alone either. Reach out to us if you need some guidance, help to get you started or some of that accountability to keep you on track #summerhillinvest #fintech #financialservices #investing101 #investingtips

10.01.2022 Did you know that on average, women earn 86% of what men earn? Women also retire with 47% less superannuation than men. They're shocking statistics and unlikely to change in the short term. This is why we have a strong view that women must advocate for themselves and make smart, informed decisions when it comes to their finances.... Our view is that education is the key to ensuring women aren’t left behind. Which is why within our Facebook community, we have created a series of educational units to help women increase their financial knowledge and empower them to reach their goals. It just takes a little bit of knowledge to get started. From little things, big things can grow If you're ready to get started, then we have topics on money mindset, right through to making your first investment. It’s all there for you inside the Facebook group. We can’t wait to connect with you on the other side! Find the link in our bio *Sources: https://bit.ly/SHI-WIS https://bit.ly/SHI-WGEA #summerhillinvest #fintech #financialservices #investing101 #investingtips

10.01.2022 What sort of financial legacy do you want to leave for your family? Building a secure financial future for yourself, which can include a legacy for your family, doesn’t happen accidentally. It takes consistency, effort and focus over many years. But you have to make a start somewhere.... Having a robust financial plan can help keep you focussed on the long term, as well as a framework to measure your milestones against. It helps keep you honest to your goals and objectives too. There can be a great deal of satisfaction from knowing your dedication to saving and investing has built choices around leaving a legacy. Which might also be to benefit others outside of your family - charities, schools or friends. Do you have a legacy in mind? How are you tracking with your long term financial goals? if you need some help to get started, why not join our Facebook group? We share financial education and tips to help get you on track, plus it's a safe place to ask questions. We hope to see you there! The link is in our bio #summerhillinvest #fintech #financialservices #investing101 #investingtips

08.01.2022 Are you a breakfast skipper? Or does the thought of eggs on toast get you jumping out of bed? There are many arguments for and against eating breakfast, what to eat and how much of it. It can be confusing to know what's best for your health. Fredrik Karpe, professor of metabolic medicine at Oxford Centre for Diabetes, Endocrinology and Metabolism, says that 'breakfast is the key to jumpstarting our metabolism'.... In order for other tissues to respond well to food intake, you need an initial trigger involving carbs responding to insulin. Breakfast is critical for this to happen. So if you like a good breakfast on a Sunday morning, then we think that's a green light to go have it Enjoy your Sunday friends #FinancialServices #Investing101 #InvestingTips

08.01.2022 Would your business be considered financially inclusive? By being a financially inclusive employer, you’re striving to remove barriers that exclude people from participating in financial success to improve their quality of life. Financial stress is currently at its highest levels*, so now is the time to make a difference to the lives of those who work for you. You can play a significant role in enabling your employees to have financial empowerment. Empowered employees are hap...pier, healthier and more productive Why not book a workshop today? Here's, how it works: : We help you create a workshop theme and the right content framework for your employees. : Timing, from 2 hours to 2 days. We develop a program tailored to your organisation. : Numbers are limited to 20 people, and workshops are run in-person or online. : Post-workshop all participants receive a PDF workbook to help them implement financial strategies for themselves. Just like that, you've created an environment for your staff to learn and become more empowered in their financial management. Get in contact today so we can workshop together: https://bit.ly/3fJnqo0 *Source: https://bit.ly/SHI-PWC #summerhillinvest #fintech #financialservices #investing101 #investingtips

08.01.2022 Maybe lockdown or at least COVID has caused you to reassess your exercise regime and up the ante a bit. Did you know that it's been medically proven that people who do regular physical activity have: Up to a 35% lower risk of coronary heart disease and stroke... Up to a 50% lower risk of type 2 diabetes Up to a 50% lower risk of colon cancer Up to a 20% lower risk of breast cancer A 30% lower risk of early death Up to an 83% lower risk of osteoarthritis Up to a 68% lower risk of hip fracture A 30% lower risk of falls (among older adults) Up to a 30% lower risk of depression Up to a 30% lower risk of dementia FACT: Having an active lifestyle is essential for your health and wellbeing. It's recommended that you start with 30 to 60 minutes a day, 5 days a week, of moderate-intensity activity - that could be as simple as going for a walk. You can then up the ante by increasing the intensity and adding in some muscle-strengthening activities a couple of days each week. If you sit a lot (which is all of us during COVID!), then make sure you have regular 'stand up breaks' Quote attribution: bit.ly/AIHW2018 Source: bit.ly/DeptHealth-Activity #summerhillinvest #fintech #financialservices #investing101 #investingtips

06.01.2022 Have you thought about what your life might look like in retirement? Many clients often talk about holiday planning and time with kids and grandchildren. But the reality is, knowing what you might be doing day-to-day, can be just as important. Replacing a job, often 8 hours of every weekday, can be a big task. Which is why we talk to clients about planning what retirement might look like. Some suggestions we make, are:... Do you have a hobby you will have more time for? Is there volunteer work you might like to do? Have you considered working part-time? Can you take a board position? Will you have grandchildren to care for? Do you have more sport you'd like to play? There are many options to fill your day with, but putting some thought into it now can help when the day to retire actually comes. We just say to clients, make sure your plans are good for your physical and mental health. Making sure you plan financially well, also means you'll be able to take those trips in between and continue to make memories. Have a chat to us if you need more guidance on making a great retirement plan #SummerhillInvest #Fintech #FinancialServices #Investing101 #InvestingTips

06.01.2022 Do you know if you have enough insurance cover in place? Insurance is one of those tricky areas, that can make you feel like you're 'doing ok' because you have some cover in place. But in reality, you have no where near enough to assist your family if you were unable to work or passed away. According to Rice Warner, only 42% of Australians have enough Life Cover to provide the same standard of living for their families if they were to pass away. ... Fairly worrying for the other 58% who don't. There are many factors that go into deciding what sort of cover you need, as well as how much. Everyone is different too, because things like debt levels, businesses, children and assets, all contribute to the calculations. Understanding the clauses within policies can also be a hard maze to navigate, especially if you don't understand what you need to be looking for. We help our clients navigate their insurance needs, so they can get the right advice and it be specific to their needs. Want to review your own situation? Make sure you reach out to us and get professional advice Source: Rice Warner ‘Underinsurance in Australia 2015’ #summerhillinvest #fintech #financialservices #investing101 #investingtips

06.01.2022 You just prepare a Will once in your life, right? This is a common conversation we have with our clients. There's a misconception that you go through the process of preparing an estate plan once in your life, then you don't ever look at it again. But somehow it will continue to stay relevant during your lifetime. It's a bit like doing a business plan once, then never reviewing it again ... The reality is, a Will and any accompanying estate planning documents you might have are living documents. They need to change as events happen in your life, so that the wishes you have laid out can happen as you expect. Here are some examples of events that can affect your estate plan: Getting married Having children Buying assets Growing a super balance Entering a de facto relationship Separating from your partner Plus many more. Which is why we encourage our clients to review their estate plans when we meet each year - just to make sure they still fulfill their wishes. Make sure you have a chat to us if you have any questions about your own plan. #FinancialServices #Investing101 #InvestingTips

06.01.2022 What does cashflow management look like for you? Some households stick to a budget, some assign money to ‘buckets’ like savings and expenses, then spend the rest. Others just spend and hope for the best When you have goals to achieve, you generally need a system to stay on track. What that system looks like can be different for everyone. Some don’t like to feel restricted and others like to save every penny. ... The three key steps for cashflow management success: Find the strategy that works for YOU Stay consistent with sticking to it Be accountable to someone with tracking your results By finding the right system for you, you can set achievable goals, stay on track to meet them and feel empowered when you get there. Need help creating the right plan? Reach out to us for help #FinancialServices #Investing101 #InvestingTips

05.01.2022 When you think about wealth planning, it's often around having long term goals - usually what your retirement might look like. But it's important to remember that there are many goals along the way you could be aiming for, that are important to your life and a little closer in timeframe. Longer-term goals can often look like:... I need to have enough income in retirement My mortgage needs to be paid off before I stop work It's important to leave a legacy to my children These are important plans to work towards because they can set you up to have an enjoyable retirement. But, what about the short to mid-term goals? These goals can often look like: I need to start an education fund We want to get a holiday house I'd like an annual holiday overseas We work with clients to understand what might be important milestones in their life because everyone is different and have aspirations that vary. But having specific goals can help keep you accountable, as well as motivated to stick to your financial plan. What are your top 3 financial goals? #summerhillinvest #fintech #financialservices #investing101 #investingtips

05.01.2022 ’ , ’ . Building wealth isn’t all about funds, investing and bank balances. It’s also about your mindset. Having your mindset right can be the difference between achieving your goals, and not.... The first step to improve your money mindset is to ask yourself - 'why do I want to grow my money?'. Because we all need a 'why'. Is it because you want to: Build independence Work part-time Start a family Retire Once you’re clear on why you’re making changes to your finances, it will become far easier to stick to your plan. No matter how ambitious it might be. Need some guidance? Why not join our Facebook group to learn more about getting a better 'money mindset'? Find out how to achieve your financial goals and get some support along the way The link is in our bio #summerhillinvest #fintech #financialservices #investing101 #investingtips

05.01.2022 Let's set the scene for you. You're finally retired and can't believe it. You've worked towards this moment your whole life - no more getting up every morning to go to work You're about 3 months into your retirement and you have your morning routine sorted - walk the dog, get a coffee, read the paper and then your day begins ... Then what? The novelty of 'being retired' has worn off and now it doesn't feel like a holiday anymore. You might even be feeling bored. Many retirees don't have hobbies or interests and when they leave work, which means they have a gaping hole of time they need to fill. We suggest our clients spend some time planning what their retirement might look like before they actually retire. We get them to ask themselves questions like: Will you learn new hobbies? Do you have a sport you can play each week? Can you join a club or a gym? Is there some study you want to do? Will you volunteer or maybe join a board? If you plan ahead, it can mean that retirement is far more enjoyable. Then you can kick back and enjoy yourself #summerhillinvest #fintech #financialservices #investing101 #investingtips

04.01.2022 It's great to make financial plans and set financial goals. But, if you don't take care of your health and wellness, you may not be around long enough to enjoy it. There are some areas of your life that can benefit from good management and may help you to live a longer life. Here are some suggestions: Take time away from digital devices... Do some sort of daily meditation Eat organic, whole foods as often as you can Find ways to relax regularly Give hugs and receive them! Sometimes it's the simple things that can bring you pleasure and they can be found in the daily moments of life. Enjoy an organically grown tomato and you'll rediscover what they really taste like! Planning is great on many levels, but taking time for the now is equally as important and rewarding #FinancialServices #Investing101 #InvestingTips

03.01.2022 Spring is the time to declutter your house and life. Lockdown has probably increased the need to 'cleanse' a little! It is a great time to take stock of what you have, what you need and what you can move on. Freeing up space in your life and mind. This can also apply to your financial assets. It's a great time of year to:... Look at your savings accounts Know your superannuation balance Understand what investments you have Review your insurances Look over your estate plan You might need to make some changes, set some new goals or plan for future events. Whatever decisions you need to make, you're making an informed decision based on what you have in place and what you need moving forward. Taking control of your financial journey can be very empowering. You don't need to do it alone though - reach out if you want a helping hand #FinancialServices #Investing101 #InvestingTips

03.01.2022 Mistakeswe all make them When people start investing, they're inevitably going to make some. But you might be surprised by the ones we see the most. Here are some of the shaky first steps we see new investors making:... Taking advice from friends - you never get the whole picture, nor do they have any responsibility for the outcome Waiting for the right time to invest - no one can time the market and there are always opportunities in any market, you just need to know what you're looking for Comparing apples with oranges when it comes to investment types they all service their purpose in a portfolio and behave differently in a market cycle, so make sure you have the right exposure to each of them, to meet your goals Do any of those sound familiar to you? Our goal is to help you become more educated on creating financial goals and achieving them, so you can make your own investment decisions. We want you to see the investing experience as a positive and exciting one, which only comes with empowerment. Of course, we're here to support you and provide advice as you might need it. Have you joined our Facebook group yet? We talk about all of this and more over there, so come join us! Link in our bio #summerhillinvest #fintech #financialservices #investing101 #investingtips

03.01.2022 Do you set financial goals? We find that most clients who come to see us, have one main goal. To have a life in retirement that they can enjoy. Depending what stage of life you're at though, that could be a short term or a long term goal. What if that goal is 10, 15 or even 20 years away?... The key with financial goals, is to set some that are achievable in the short, medium and long term. Why? Because when you achieve one, you're more motivated to achieve the others. It's bit like going on holidays - once you go on one overseas trip, you're motivated to plan, save and set sail on more. What are some shorter term goals you might be able to set? A lifetime overseas trip Holiday house Kids education fund A pool for home Paying off credit card debt Reducing your mortgage All can have varied timeframes and amounts, which can make them achievable whatever income you're on. Deadlines, consistency and accountability all help you to pave a path to financial success. Got some goals you'd like to achieve? Reach out to us to get started #FinancialServices #Investing101 #InvestingTips

01.01.2022 Saturdays are for trips to Bunnings and grabbing a sausage in bread The 'to do' list on the fridge will involve many jobs around the house - fix doors, new gates, garden makeover...the list is endless. Which is why when we talk to clients, we need to remind them that having their home as their biggest asset can be misleading ... We don't look objectively at our homes, because we're emotionally connected - we live in them and usually love them! But it means we can spend too much on our homes while we fulfil our lifestyle needs. Plus, we don't create any income from them. Then when we pay some money off the mortgage, we often sell it and buy another house...that's more expensive! Long term they are definitely an asset that we hope will increase in value. But over our lifetime, we need to make sure we're also improving: Our superannuation balance Savings accounts for goals Diversification in our overall asset pool This is where talking to a financial adviser can help you to create a plan that works for you and build wealth outside your home. Plus, they'll tell you whether that new pool is a good idea or not Happy Saturday! #summerhillinvest #fintech #financialservices #investing101 #investingtips