Holzworth News - Page 2 of 9 - Holzworth Partners

9 Apr 2025

EOFY Preparation Should Start Now

As we move into the final quarter of the financial year, now is the perfect time to get your house in order and start planning for End of Financial Year (EOFY) success. Waiting until June to begin your EOFY preparations can leave you scrambling — and missing key opportunities to minimise your tax, maximise deductions, and strategically position your business or personal finances. Why Planning Early Matters More Time for StrategyEarly preparation gives you the

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?

5 Feb 2025

How Businesses Can Access Private Credit for Growth

By Jane Purnell

As traditional banks tighten lending requirements, private credit and alternative lending options are becoming vital sources of financing for businesses. This article explores how businesses can leverage private credit to fuel expansion, manage cash flow, and achieve financial stability in 2025. Understanding Private Credit Private credit refers to non-bank loans issued by alternative lenders, institutional investors, and private equity firms. Unlike traditional bank loans, private credit offers more flexible terms, faster approval processes, and tailored

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

The Risks of Loan Applications: What You Should Know

By Jane Purnell

Applying for a loan can be a valuable step toward achieving financial goals, whether it’s buying a home, starting a business, or consolidating debt. However, the process isn’t without risks. Understanding these risks can help you make informed decisions and avoid potential pitfalls. 1. Credit Score Impacts Every time you apply for a loan, the lender performs a "hard inquiry" on your credit file. While this is a normal part of the process, too many

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

11 Dec 2024

Financial Wellbeing is a Gift Worth Giving Yourself

By Jane Purnell

The festive season is a time of joy and celebration but, for some, it can also lead to a financial hangover in the New Year. Overspending on gifts, parties, and decorations can quickly add-up, leaving us with unwanted debt in the New Year. In 2022, Australians spent more than $66.7 billion during in the pre-Christmas sales in preparation for the festive season. The rising cost of goods and services mean that even though many are

11 Dec 2024

Merry Christmas and Happy New Year from the Holzworth Partners Team!

By Jane Purnell

As we approach the end of 2024, we want to take a moment to thank you for your trust and support throughout the year. It’s been an exciting and rewarding year for all of us at Holzworth Partners, and we’re proud to share some of our highlights with you: Year in Review A Prestigious Recognition: Jane Purnell was honoured as the Queensland Institute of Public Accountants Member of the Year. This achievement reflects our commitment

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