The Emerald Blog
Empowering you to understand and take control of your finances
Financial Adviser Melbourne
The Emerald Blog
At Emerald Wealth, we believe that understanding is key to confident decision-making.
The aim of our blog is to provide insights and knowledge to help you navigate your financial choices with greater clarity.
The more informed you are, the easier it becomes to take meaningful steps toward achieving your goals.
Our Commitment To You
We give you clear direction, peace of mind and confidence to make life’s big decisions.
Financial Planning
Stay Up-To-Date
Keep informed with relevant news.
Why Understanding Your Super Options Matters for a Smoother Work-Life Transition
Your superannuation is a big deal – often the largest financial asset after your home. So, it's important to make smart decisions when accessing it, to ensure your financial security, especially if you're eyeing a lifestyle shift. Here's a look at some options: ...
Want to Work Less and Live More: Do You Have Enough?
One of the most common queries we encounter from individuals looking to strike a balance between working less and enjoying a richer lifestyle is, "Do I have enough?" is a bit like trying to predict your phone's battery life—it's influenced by various factors! Your...
The opportunities in energy transition
The opportunities in energy transition After the wild ride experienced by investors in 2022, Perpetual's Deputy Head of Equities, Anthony Aboud is seeing opportunities in high quality companies which have traditionally been classified as growth stocks. He also notes...
What causes market movements?
What causes market movements? When the news is filled with headlines about market movements, it’s normal to feel a bit anxious. Here are three things to keep in mind the next time share markets aren't behaving the way you'd like them to. Markets constantly go up and...
What to do when your fixed rate home loan term is ending
What to do when your fixed rate home loan term is ending Many Australians were fortunate to lock in record low interest rates but this may be drawing to an end. A large portion of mortgages will be approaching the end of their fixed term, leaving many households...
Economic update May 2023
Economic update May 2023 Investment markets were relatively calm in April, following a period of heightened volatility in March when banking failures in the US and Europe had shaken confidence. Most major share markets closed the month around 2% higher, extending...
Want to Work Less and Live More: Do You Have Enough?
One of the most common queries we encounter from individuals looking to strike a balance between working less and enjoying a richer lifestyle is, "Do I have enough?" is a bit like trying to predict your phone's battery life—it's influenced by various factors! Your...
3 golden rules that make saving for retirement easier
3 golden rules that make saving for retirement easier If you’ve thought about how much money you need to save so you can retire comfortably, it might feel a little daunting. Maybe so much so, you’d rather not think about it at all. But, according to AMP Technical...
Tips for Managing Money in Retirement
Tips for Managing Money in Retirement Aussies are living longer than ever before, with men expected to live until age 80 and women until age 85. However, an increased life expectancy also means Australians may spend longer in retirement than previous generations, and...
Did you know Gifting can impact your Age Pension?
Did you know gifting can impact your Age Pension? Gifting, or financially assisting family or friends by giving away some of your assets or accumulated retirement savings, can be a great way to help out younger family members or friends. But before you gift a...
50% of Australians are concerned they don’t have enough money for retirement
Will you be able to afford to retire? FORO – the fear of running out – is a very real issue in Australia. AMP’s Financial Wellness research indicates that almost 50% of Australians are worrying that they don’t have enough money for retirement. The realisation that you...
Tips to reduce debt before you retire
Tips to reduce your debts before you retire While many Aussies will carry some debt into retirement, the good news is, there are a number of things you could do now while you’ve still got time on your side and earning an income. Get serious about having a budget A...
Understanding different investment styles
Understanding different investment styles When it comes to investing, there’s no one size fits all strategy that can assure success but there are some different investment styles that could help investors achieve their goals. Growth investing, value investing,...
US banks, inflation, interest rates and recession risk – what it means for investors
Key points US regional bank failures have added to uncertainty about the investment outlook flowing from inflation and rate hikes. Specific issues with the failed banks and action to protect depositors may limit broader problems for US banks. The wider risks are high...
How do share markets work?
How do share markets work? There are many asset classes you can invest in and shares are just one type that you might find in an investment portfolio. But what are shares and how do they work? What are shares? Shares (also known as stocks or equities) are a portion of...
What are some ways to invest $10k
What are some ways to invest $10k Save it. Invest it. Pay down debt. When it comes to deciding how to invest $10k, there are plenty of options to consider. Whether you’ve won the lottery or received an inheritance, $10,000 is a significant amount of money. So, what...
Booms, busts and investor psychology: Why investors need to be aware of the psychology of investing
Booms, busts and investor psychology: Why investors need to be aware of the psychology of investing Up until the 1980s the dominant theory was that financial markets were efficient. In other words, all relevant information was reflected in asset prices in a rational...
Why staying invested matters when markets fall
Why staying invested matters when markets fall It’s natural to feel nervous when markets fall. News about inflation and rising interest rates may prompt you to make an emotional investment decision. But history tells us that markets trend upwards in the long run – and...
Why Understanding Your Super Options Matters for a Smoother Work-Life Transition
Your superannuation is a big deal – often the largest financial asset after your home. So, it's important to make smart decisions when accessing it, to ensure your financial security, especially if you're eyeing a lifestyle shift. Here's a look at some options: ...
Want to Work Less and Live More: Do You Have Enough?
One of the most common queries we encounter from individuals looking to strike a balance between working less and enjoying a richer lifestyle is, "Do I have enough?" is a bit like trying to predict your phone's battery life—it's influenced by various factors! Your...
The opportunities in energy transition
The opportunities in energy transition After the wild ride experienced by investors in 2022, Perpetual's Deputy Head of Equities, Anthony Aboud is seeing opportunities in high quality companies which have traditionally been classified as growth stocks. He also notes...
What causes market movements?
What causes market movements? When the news is filled with headlines about market movements, it’s normal to feel a bit anxious. Here are three things to keep in mind the next time share markets aren't behaving the way you'd like them to. Markets constantly go up and...
What to do when your fixed rate home loan term is ending
What to do when your fixed rate home loan term is ending Many Australians were fortunate to lock in record low interest rates but this may be drawing to an end. A large portion of mortgages will be approaching the end of their fixed term, leaving many households...
Economic update May 2023
Economic update May 2023 Investment markets were relatively calm in April, following a period of heightened volatility in March when banking failures in the US and Europe had shaken confidence. Most major share markets closed the month around 2% higher, extending...
Why Understanding Your Super Options Matters for a Smoother Work-Life Transition
Your superannuation is a big deal – often the largest financial asset after your home. So, it's important to make smart decisions when accessing it, to ensure your financial security, especially if you're eyeing a lifestyle shift. Here's a look at some options: ...
Want to Work Less and Live More: Do You Have Enough?
One of the most common queries we encounter from individuals looking to strike a balance between working less and enjoying a richer lifestyle is, "Do I have enough?" is a bit like trying to predict your phone's battery life—it's influenced by various factors! Your...
The opportunities in energy transition
The opportunities in energy transition After the wild ride experienced by investors in 2022, Perpetual's Deputy Head of Equities, Anthony Aboud is seeing opportunities in high quality companies which have traditionally been classified as growth stocks. He also notes...
What causes market movements?
What causes market movements? When the news is filled with headlines about market movements, it’s normal to feel a bit anxious. Here are three things to keep in mind the next time share markets aren't behaving the way you'd like them to. Markets constantly go up and...
What to do when your fixed rate home loan term is ending
What to do when your fixed rate home loan term is ending Many Australians were fortunate to lock in record low interest rates but this may be drawing to an end. A large portion of mortgages will be approaching the end of their fixed term, leaving many households...
Economic update May 2023
Economic update May 2023 Investment markets were relatively calm in April, following a period of heightened volatility in March when banking failures in the US and Europe had shaken confidence. Most major share markets closed the month around 2% higher, extending...
Why Understanding Your Super Options Matters for a Smoother Work-Life Transition
Your superannuation is a big deal – often the largest financial asset after your home. So, it's important to make smart decisions when accessing it, to ensure your financial security, especially if you're eyeing a lifestyle shift. Here's a look at some options: ...
Want to Work Less and Live More: Do You Have Enough?
One of the most common queries we encounter from individuals looking to strike a balance between working less and enjoying a richer lifestyle is, "Do I have enough?" is a bit like trying to predict your phone's battery life—it's influenced by various factors! Your...
The opportunities in energy transition
The opportunities in energy transition After the wild ride experienced by investors in 2022, Perpetual's Deputy Head of Equities, Anthony Aboud is seeing opportunities in high quality companies which have traditionally been classified as growth stocks. He also notes...
What causes market movements?
What causes market movements? When the news is filled with headlines about market movements, it’s normal to feel a bit anxious. Here are three things to keep in mind the next time share markets aren't behaving the way you'd like them to. Markets constantly go up and...
What to do when your fixed rate home loan term is ending
What to do when your fixed rate home loan term is ending Many Australians were fortunate to lock in record low interest rates but this may be drawing to an end. A large portion of mortgages will be approaching the end of their fixed term, leaving many households...
Economic update May 2023
Economic update May 2023 Investment markets were relatively calm in April, following a period of heightened volatility in March when banking failures in the US and Europe had shaken confidence. Most major share markets closed the month around 2% higher, extending...
Why Understanding Your Super Options Matters for a Smoother Work-Life Transition
Your superannuation is a big deal – often the largest financial asset after your home. So, it's important to make smart decisions when accessing it, to ensure your financial security, especially if you're eyeing a lifestyle shift. Here's a look at some options: ...
What is Super?
What’s super and how does it work? A helpful guide to understanding the basics of super. Superannuation, commonly known as ‘super’, is money set aside while you’re working so you’ll have money for retirement. Your money is put into a fund, where it’s invested on your...
What’s super and how does it work?
What’s super and how does it work? A helpful guide to understanding the basics of super. Superannuation, commonly known as ‘super’, is money set aside while you’re working so you’ll have money for retirement. Your money is put into a fund, where it’s invested on your...
What does climate change mean for your super balance?
What does climate change mean for your super balance? It’s impossible to ignore the issue of climate change in 2022. And certainly, if you’re invested in the markets, you wouldn’t want to. One reason to pay close attention could be that you hope to invest in line with...
What are some of the common mistakes young people make with Super?
What are some of the common mistakes that young people make with super? People in their 20s and 30s tend to not do much with their super, and that can be a mistake in itself. It could leave them with a large gap between what they’re capable of contributing in the last...
Is my employer paying me the right of super?
Is my employer paying me the right super? Billions of dollars in super contributions go unpaid every year. Here’s how you can find out if you’re getting paid what you’re owed and what you can do if you’re not. A while back, a mate of mine posted on social media that...
For everything you value.
Get in touch with us
Book Your Discovery Call
Schedule a complementary discovery call today and experience firsthand how our trusted advisers can guide you through the big life decisions you need to make.
Whether you’re planning for retirement, investing in your future, or navigating complex financial landscapes, we’re here to help you balance your immediate needs with your long-term goals.