This week Steve and Luke provide the fortnightly update, covering:

Real client questions answered, generally that is : )

What are people worth (financially) relative to your age cohort

Superfund investment returns in the spotlight, how have some of the big names compared

Enjoy

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https://www.fool.com.au/2019/10/23/how-wealthy-should-you-be-at-your-age-2/

https://www.vanguard.com.au/personal/products/en/detail/8134/Overview

Luke and Steve spend this episode talking about Luke's foray into the caravan lifestyle, issues to beware of when applying for a mortgage, how to save $1M, and whether using a SMSF to invest with friends is a good idea.

Steve and Luke provide an overview of the property purchasing process, the lingo. Contract of Sale, Exchange, Settlement, what are these things?

Why consider purchasing an Investment Property? and how a purchase can fit into a Financial Plan.

Dollar-Cost Averaging, what is it and how can it be applied.

Enjoy

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Vanguard Dollar Cost Averaging Study

https://static.twentyoverten.com/5980d16bbfb1c93238ad9c24/rJpQmY8o7/Dollar-Cost-Averaging-Just-Means-Taking-Risk-Later-Vanguard.pdf

How much do you need to retire? the amount is smaller than you may think.

APRA's (Australian Prudential Regulation Authority) lending restrictions attempt to cool a hot property market, what do borrowers need to know.

October is often known as a 'bad' month for Share Markets, is there any truth to this?

Social Medial and Financial Influencers, what you need to know.

Listener question, Invest Smart, Fund Later product.

Financial phrases.

And Financial stories.

More on Invest Smarts Product discussed in the show below : )

https://www.investsmart.com.au/fundlater

Luke and Steve chat about the changes occurring to Income Protection policies from 1st October, how to start investing in shares, APRA's recent announcement about super funds who have failed their performance test, and the pros and cons of renting vs buying a property over the long term.

https://www.vanguard.com.au/personal/en/personal-investor

https://raizinvest.com.au/

https://www.apra.gov.au/your-future-your-super-performance-test

This Fortnight we cover the scary reality of Aussies inability to save.

An easy way to work out your costs of living.

How much in cash/reserve you should have/save.

The habits and characteristics of the wealthy, that can help set you up to achieve your version of wealth.

Enjoy

www.moneysmart.gov.au

Luke and Steve chat about the new superannuation comparison tool provided by the ATO, the mistakes new investors make in their enthusiasm to get started, and thigs to consider when downsizing the family home.

In this beverage with an expert episode Steve and Andrew Kaprilian chat about local and national residential real estate.

•The state of the market at present

•The price points most in demand

•Tips for buyers and sellers

•Is staging a home for sale worth it?

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https://www.creer.com.au/agent/andrew-kaprilian/189

Luke and Steve discuss a range of topics in this episode. Are shares a good gift to receive (or give), Borrowing to purchase a property with a SMSF, and the 9 golden investment rules.