Wealth Accumulation

The difference between financial planning and investment advice.

The difference between financial planning and investment advice.

Recently a marketing consultant we work with here at Yield Financial Planning referred his parents to us. Besides feeling like it was a vote of confidence in what we are doing, the consultant could clearly see, what we were providing through our financial planning services is what his parents were not receiving through the current financial advisor that was largely acting as an investment advisor.

After this insight I wanted to take the time to share my experience of what the difference is between holistic financial planning advice and investment advice.

Borrowing to buy property in an SMSF? Find out the common mistakes people make

Borrowing to buy property in an SMSF? Find out the common mistakes people make

While borrowing to buy property in an SMSF can make complete sense, there are mistakes trustees often make that are important to be aware of. This article explains several of those common mistakes.

Want to know why borrowing in your super to buy property can make complete sense?

Want to know why borrowing in your super to buy property can make complete sense?

Want to know why borrowing in your super to buy property, can make complete sense? This article explores 5 reasons why doing so could 'supercharge' your retirement savings.

7 reasons why holiday homes usually do not make good investment properties

7 reasons why holiday homes usually do not make good investment properties

It's often while we're on holiday that the thought of owning a holiday home starts to seem like a good idea. This article explores 7 reasons why you might want to re-think the idea, or at least will allow you to make the purchase with a solid understanding of how you'll manage the potential pitfalls.

When it comes to Investment Property - one or two will normally do

When it comes to Investment Property - one or two will normally do

Often owning just one or two good quality properties long term can produce better outcomes than chasing short term gains by 'flipping' properties. Yield Financial Planning Managing Director James McFall looks at why holding good quality property for the long term could prove a better wealth creation strategy for your future.

8 tips to recover financially from divorce or breakdown of a de-facto relationship

8 tips to recover financially from divorce or breakdown of a de-facto relationship

The breakdown of a relationship can have dramatic effects on the financial position of those involved. This article, written by Yield Financial Planning's Managing Director James McFall, provides tips on how to financially recover from separation.

Helping our kids of all ages be more financially savvy

Helping our kids of all ages be more financially savvy

You want your children to have the best future possible. And that means teaching them good savings habits that will pay off when they’re older. As you get older and you start thinking about your own retirement, you often wish you had started planning earlier. So it’s only natural to want to help your own children get ahead...

Investing for Yield

Investing for Yield

Investing for Yield means you are seeking income from your investment strategy.

There are several reasons why this may be a great strategy, but fundamentally it always needs to tie back to your specific investment objectives. For example, it is typical for retirees to invest for yield given they need their investments to provide income to meet their living needs.

What is exit planning?

What is exit planning?

Have you started to ponder your retirement, picturing what life may look like after running a business? With a huge number of baby boomers reaching retirement age there is an increasing number of small to medium-sized enterprises considering future sale. It is more important than ever to start thinking about exit planning. But what does exit planning really mean — and where can you begin?

Property and your financial plan

Property and your financial plan

Whether you are looking to buy your first home, upgrade to a new home or invest towards your retirement, it’s ideal that you can hold your asset for as long as possible. One of the biggest errors people make is that they do not think forward far enough on their decision and when a property is subsequently sold, after only a relatively short time of holding it, it leads to tax implications and transaction costs, that may have otherwise been avoided if there had been adequate planning in the first place.

Essential metrics to maximise the growth of your investment property

Essential metrics to maximise the growth of your investment property

Every investor wants to purchase a property which will grow in value. Preferably they'd like it to outperform the market. This is achievable, but there are arguably three other metrics which are just as important, if not moreso. Our guest blogger, Cate Bakos shares her insights on the essential elements for investment property growth.

The Federal Budget and your financial plan

The Federal Budget and your financial plan

Although the recently announced budget is currently just a proposal, if the changes are passed they have far reaching planning implications. Most established financial plans will need to be revised to adapt to the changes and new thinking will be needed to prosper from them.