Financial Advice Archives - Holzworth Partners

13 May 2025

Why You Should Seek Aged Care Advice Before Making Important Decisions

Navigating the aged care system in Australia can be complex and overwhelming. Whether you’re planning for your own future, or helping a loved one transition into care, obtaining aged care advice from a qualified professional can make a significant difference in both financial outcomes and peace of mind. In this article, we’ll explore why seeking expert aged care advice is a smart move—and how it can help you make informed, confident decisions during what is

9 May 2025

7 Life Events You Should Always Discuss With Your Accountant, Financial Adviser or Solicitor

By Jane Purnell

Looking for expert advice during major life changes? You're not alone. Whether it's buying a home, starting a business, or planning for retirement, the right guidance from an accountant, financial adviser, or solicitor can mean the difference between financial stress and long-term success.In this article, we outline seven important life events where getting professional advice is not just helpful—it’s essential. 1. Starting or Growing a Business If you’re launching or scaling a business, expert advice

9 Apr 2025

What is a Tariff? Understanding the Role of Tariffs in Global Trade

By Jane Purnell

What is a Tariff? Understanding the Role of Tariffs in Global Trade In today's globally interconnected economy, the word tariff often pops up in the news, particularly in stories about trade negotiations, international disputes, or discussions about economic growth. But what exactly is a tariff, and why do countries impose them? In simple terms, a tariff is a tax imposed by a government on goods and services imported from other countries. These taxes are typically

5 Feb 2025

ESG & Sustainable Finance: What Every Investor & Business Needs to Know in 2025

By Jane Purnell

Sustainable finance and Environmental, Social, and Governance (ESG) investing have become integral to the global financial landscape. With growing regulatory pressures and increased investor demand for ethical investments, businesses and financial institutions are prioritizing sustainability in their financial strategies. This article explores the core principles of ESG investing, the latest regulatory developments, key investment opportunities, and how businesses can adapt to the evolving landscape of sustainable finance in 2025. What is ESG & Sustainable Finance?

4 Feb 2025

Investment Bonds: A Tax-Efficient Wealth Strategy

By Jane Purnell

Investment bonds are gaining renewed attention in 2025 as a tax-efficient wealth-building strategy. With rising taxation on high-income earners and evolving estate planning considerations, investors and financial advisors are exploring the benefits of investment bonds as an alternative to traditional superannuation and trust structures. This article explores the advantages, tax benefits, and strategic applications of investment bonds. What Are Investment Bonds? Investment bonds, also known as insurance bonds, are tax-effective investment vehicles that combine features

14 Jan 2025

IndexInvest Update

By Mark Holzworth

Our wholly owned investment manager, IndexInvest, directs how investment portfolios are allocated across asset classes (shares, property, bonds, cash, etc) and global investment markets. Below are insights of what 2024 delivered for you. Geopolitics and Markets Geopolitical events played a significant role in shaping market sentiment. The conflict in Ukraine intensified, leading to disruptions in energy markets and increased defence spending globally. The year 2024 was notable for elections, with over 60 countries going to

11 Dec 2024

Helping the kids

By Jane Purnell

Helping the kids- Without derailing your retirement plans As parents, the instinct to support our children never truly fades, even when they become adults, but when you are looking at giving them a financial helping hand, there is a bit to consider. It’s important to ensure any support you provide is not at the expense of your financial future. It can also be tricky knowing what form your support should take, in order to maximise

12 Nov 2024

Understanding Negative Gearing and its Impact on the Housing Market

By Jane Purnell

Negative gearing is a term commonly associated with property investment in Australia. It refers to the practice of borrowing money to purchase an investment property where the costs of owning that property—such as mortgage interest, maintenance, property management fees, and other expenses—are higher than the income generated from rent. This loss can be offset against the investor’s taxable income, reducing the amount of tax they are required to pay. Essentially, it allows property investors to

12 Nov 2024

The Trump Trade is a real thing!

By Mark Holzworth

The "Trump Trade" refers to the behavior of global financial markets and investor actions in response to Donald Trump's economic policies and political moves. It is fair to say that since the election of Donald Trump, markets have moved substantially.Here are some key market impacts:Stock Market: Mr Trump's policies, such as deregulation, tax cuts, and increased fiscal spending, have historically led to a surge in U.S. shares, especially in sectors like technology, financials, industrials, and

3 Oct 2024

Retiring Richer, Earlier.

By Mark Holzworth

Self-Managed Super Fund Members Retire with Higher Balances According to new research from accountancy software provider Class, SMSF members are retiring earlier and with larger member balances than their counterparts in public offer funds (i.e. retail, industry super). In the recently released “2024 Annual Benchmark Report,” Class revealed that members aged 60 to 64 in SMSFs are 2.7 times more likely to utilise a transition-to-retirement income stream (TRIS) or retirement-phase income stream than those in