In recent years, there has been renewed interest in family trusts and investment companies as tax efficient structures to build and hold family wealth. This growing trend is driven by increasingly stringent limitations on superannuation, making these alternative wealth structures more appealing. As individuals and families look for ways to optimise tax efficiency and ensure long-term wealth preservation, family trusts and investment companies provide flexible and strategic options for managing family finances and investments.

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As we look ahead to 2025, major economic and research firms project a cautious yet optimistic tone for the global investment landscape. In this article, we look through the key forecasts from Macquarie, J.P. Morgan, Morgan Stanley, Russell Investments, Vanguard, and Bloomberg to offer a concise roadmap for navigating the year’s opportunities and risks.

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With rate cuts expected in 2025, variable home loans seem appealing, but fixed rates might offer benefits now. Some lenders’ fixed rates are currently lower than variable ones, making it crucial to weigh both options carefully. Learn how to choose the right rate for your needs and maximize savings.

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As we step into 2025, a year full of opportunities for personal and financial growth, it’s essential to ensure your financial plan is both up-to-date and aligned with your goals. Establishing clear and actionable goals is the foundation of any successful financial strategy. Here’s how you can set yourself up for financial success in the year ahead.

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December 2024 brought mixed fortunes for global and Australian markets. While international equities faced declines amid geopolitical and fiscal concerns, Australian markets followed suit, with property trusts and small caps hit hardest. Zenith has released a comprehensive report highlighting the major market trends, economic developments, and global factors influencing the financial landscape in November. This article provides a concise summary of the report's key insights.

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The Government’s Mid-Year Economic and Fiscal Outlook reveals a reduced deficit, lower debt, and improved fiscal position. Achievements include limited spending growth, tax cuts, and cost-of-living relief. The economy continues to grow with job creation and rising wages, while addressing health, education, and environmental challenges for sustainable growth.

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If you haven’t looked into refinancing since the start of higher interest rates, it might be time to ask yourself ‘why not?’ New research shows it could be time to try again – especially if you want to start 2025 off on the right foot.

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Sending you our warmest wishes and Season’s Greetings! We thank you for your continued support and look forward to an exciting 2025 working with you!

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The Australian Government's announcement of study loan refunds has caused a stir among those who have fully repaid their student loans. The study loan refund initiative allows eligible borrowers to claim a refund on their fully repaid loans.

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