The Emerald Blog
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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.

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The 2023-2024 Federal Budget
The 2023-2024 Federal Budget Return to surplus with fastest improvement since end of WW2, cost of living help but structural deficits remain (albeit smaller). Key points The budget this year is expected to return to a surplus of $4b thanks to a continuing revenue...
What’s the best way to get insurance organised?
What's the best way to get insurance organised? Making sure you’re getting the best deal on insurance without missing out on the cover you need can feel like a minefield. Get to know where and how to buy. The low down on buying insurance There’s no two ways about it;...
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,...
Say goodbye to tax troubles
Say goodbye to tax troubles Do you find yourself drowning in random receipts when EOFY comes around? Learn to lodge your tax return the easy way with these last minute and longer term tax hacks. Tax paperwork is something few of us take in our stride. In fact, the...
How to spend without getting into debt
How to spend without getting into debt Is it really possible to live within your means and still enjoy life? The answer is yes and with just a few important changes you can start spending less and lose the debt. From less than zero to savings hero Debt can be a really...
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...
Don’t just dream it – reach your goals sooner
Don’t just dream it. If you have goals for the future, we can help you reach them sooner. Talk to us today. Regardless of where you are in life, everyone can benefit from financial advice from a qualified professional. Whether you’re just starting out, saving for...
8 Indicators you might not be ready for retirement
8 indicators you may not be ready to retire Retirement is a period of life that many people spend years dreaming about: the chance to finally leave work behind and enjoy much-needed time with family and friends. While it’s natural to be excited about retirement, it’s...
7 age pension traps to avoid
7 age pension traps to avoid After a lifetime of hard work, it’s important you maximise your entitlements in retirement. So you need to structure your finances carefully to make sure you don’t lose your age pension. After all, you’ve earned it. Here are some common...
How much do I need in retirement?
How much do I need in retirement? How much you need to save for a comfortable retirement is a question many of us ask. While we all hope for a simple answer, how much money you need in retirement differs for everyone. Additionally, a comfortable retirement is based on...
Roughly 500,000 Australians plan to retire in the next 5 years.
According to the ABS, some half a million people intend to retire within 5 years. While many Australians will remain working until they can access their superannuation savings and/or the Age Pension, some 32% of people choose to retire beforehand due to health...
You only retire once. Let’s get it right.
Retirement is an exciting time. It’s the long-awaited reward for a lifetime of work and, if you have the right plans in place, the chance to pursue your dreams free from money worries and concerns. Retirement means different things to different people. For some, it...
What are some investment options outside of super
What are some investment options outside of super When it comes to investing, you have two options – inside or outside of super. Super, being a longer-term investment designed to fund your retirement, comes with a number of advantages such as being lightly-taxed...
Consumers warned about Fake Investment Opportunities as losses top $20m
Consumers warned about Fake Investment Opportunities as losses top $20m Losses to imposter bond investment scams have nearly tripled in the first half of this year with consumers losing over $20 million to these sophisticated scams. Imposter bond scams usually...
Shares sliding again – what’s driving it and is there any light at the end of the tunnel?
Shares sliding again – what’s driving it and is there any light at the end of the tunnel? Key points Share markets remain under pressure from high inflation, rising rates and bond yields, as well as the rising risk of recession and the threat that poses to company...
Wondering what responsible investing is all about?
Wondering what responsible investing is all about? You may have heard about socially responsible investing – or possibly sustainable investing. Whatever the name, here’s what it means in practice. We spend a large part of our lifetime saving for retirement, with...
Five Questions to ask before plunging in to an ETF
Five Questions to ask before Plunging into an ETF Exchange Traded Funds (ETFs) have been available on the ASX for over 2 decades, but in recent years, this category’s variety and representation within Australian portfolios have grown rapidly. By offering exposure to...
Investment Fundamentals to Consider in Volatile Times
Investment fundamentals to consider in volatile times Sharp share market falls are stressful for investors as no one likes to see their investments fall in value. But at times like these, there are number of key things for investors to bear in mind. Compounding...
The 2023-2024 Federal Budget
The 2023-2024 Federal Budget Return to surplus with fastest improvement since end of WW2, cost of living help but structural deficits remain (albeit smaller). Key points The budget this year is expected to return to a surplus of $4b thanks to a continuing revenue...
What’s the best way to get insurance organised?
What's the best way to get insurance organised? Making sure you’re getting the best deal on insurance without missing out on the cover you need can feel like a minefield. Get to know where and how to buy. The low down on buying insurance There’s no two ways about it;...
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,...
Say goodbye to tax troubles
Say goodbye to tax troubles Do you find yourself drowning in random receipts when EOFY comes around? Learn to lodge your tax return the easy way with these last minute and longer term tax hacks. Tax paperwork is something few of us take in our stride. In fact, the...
How to spend without getting into debt
How to spend without getting into debt Is it really possible to live within your means and still enjoy life? The answer is yes and with just a few important changes you can start spending less and lose the debt. From less than zero to savings hero Debt can be a really...
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...
The 2023-2024 Federal Budget
The 2023-2024 Federal Budget Return to surplus with fastest improvement since end of WW2, cost of living help but structural deficits remain (albeit smaller). Key points The budget this year is expected to return to a surplus of $4b thanks to a continuing revenue...
What’s the best way to get insurance organised?
What's the best way to get insurance organised? Making sure you’re getting the best deal on insurance without missing out on the cover you need can feel like a minefield. Get to know where and how to buy. The low down on buying insurance There’s no two ways about it;...
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,...
Say goodbye to tax troubles
Say goodbye to tax troubles Do you find yourself drowning in random receipts when EOFY comes around? Learn to lodge your tax return the easy way with these last minute and longer term tax hacks. Tax paperwork is something few of us take in our stride. In fact, the...
How to spend without getting into debt
How to spend without getting into debt Is it really possible to live within your means and still enjoy life? The answer is yes and with just a few important changes you can start spending less and lose the debt. From less than zero to savings hero Debt can be a really...
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...
The 2023-2024 Federal Budget
The 2023-2024 Federal Budget Return to surplus with fastest improvement since end of WW2, cost of living help but structural deficits remain (albeit smaller). Key points The budget this year is expected to return to a surplus of $4b thanks to a continuing revenue...
What’s the best way to get insurance organised?
What's the best way to get insurance organised? Making sure you’re getting the best deal on insurance without missing out on the cover you need can feel like a minefield. Get to know where and how to buy. The low down on buying insurance There’s no two ways about it;...
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,...
Say goodbye to tax troubles
Say goodbye to tax troubles Do you find yourself drowning in random receipts when EOFY comes around? Learn to lodge your tax return the easy way with these last minute and longer term tax hacks. Tax paperwork is something few of us take in our stride. In fact, the...
How to spend without getting into debt
How to spend without getting into debt Is it really possible to live within your means and still enjoy life? The answer is yes and with just a few important changes you can start spending less and lose the debt. From less than zero to savings hero Debt can be a really...
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...
New Opportunity to Grow Your Super from 1 July 2022
New opportunities to grow your Super from 1 July 2022 Both older and younger Australians, as well as low-income earners, are set to benefit from some upcoming super opportunities. From 1 July 2022, there will be some changes made to super to make it easier for people...
Super changes that could affect you from 1 July 2022
The government has announced a number of changes to the super system could create opportunities for Australians of all ages. Here’s a rundown of what you need to know. • More people will be eligible for contributions from their employer, under the Superannuation...
Your super checklist for EOFY
The lead up to 30 June can be a good time to maximise tax benefits that may be available to you inside super. Certain contributions, which we cover below, may have the ability to reduce your taxable income, or see you pay less on investment earnings. Contributions...
Here’s why you need to consolidate your super now/ What is ‘stapled’ super
New super rules introduced in November of 2021 mean employees are now ‘stapled’ to their existing superannuation fund, unless they choose otherwise. That’s why it’s more important than ever to consolidate your super and take control of your retirement savings. Here’s...
Five ways you can start to bridge the super gender gap today
In terms of gender equality, we’ve come a long way over the past few decades. Australian homes and workplaces are very different places than they were in previous generations. But there’s still a long way to go. When it comes to superannuation there isn’t a level...
Make it a goal to grow your super this year
There are a number of ways you can contribute more to your super, to take advantage of time and the magic of compound interest. These include salary sacrificing, and a range of tax-deductible, spouse and downsizer contributions, as well as government co-contributions....
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