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How Much Super Should I Have At My Age..?

How Much Super Should I Have At My Age..?

by Tiffany Toh

How Much Super Should I Have At My Age..? This article originally appeared on https://singapore.feebasedfinancialadvice.com/how-much-super-should-i-have-at-my-age/ “We only have $X in our superannuation, and we know that this isn’t very much at our age..” This is one of the most common statements that I hear from Australian expats in Singapore and across the globe, particularly from those that have been living and working abroad for some time. Chances are that if they’ve been living and working abroad for some time, particularly without receiving any financial advice, they will have largely ignored their superannuation and won’t have been actively making contributions. However,…

Selling Property as an Aussie Expat

Selling Property as an Aussie Expat

by Tiffany Toh

Selling Property as an Aussie Expat This article originally appeared on https://singapore.feebasedfinancialadvice.com/selling-property-as-an-aussie-expat/ Residential real estate as an investment has been an attractive option for both Australian residents and expats for decades, and I’m sure it will certainly remain an option to consider over the years to come. Whilst it can generate long-term capital growth and income returns, there are critical factors to consider when it comes to disposing of a residential property whilst you’re an Australian expat, or non-resident of Australia for tax purposes. Australia’s residential real estate market is estimated to be worth approximately $9.6 trillion. To put this…

Queensland Backflips on Land Tax Reforms

Queensland Backflips on Land Tax Reforms

by Tiffany Toh

Queensland Backflips on Land Tax Reforms This article originally appeared…https://singapore.feebasedfinancialadvice.com/queensland-backf…land-tax-reforms/ In what has been a positive end to the weekly news cycle, we have seen Queensland announce that they would not be proceeding with their proposed land tax reforms. This comes as welcome news to both landlords, aspiring property investors, and of course renters or those looking to rent who would have no doubt seen increases in their rental prices as the higher taxes were passed on. Under the current rules, Queensland land tax applies and is calculated based on the value of the land that you currently hold in…

Should I Pay Down My Australian Mortgage Whilst in Singapore..?

Should I Pay Down My Australian Mortgage Whilst in Singapore..?

by Tiffany Toh

This article originally appeared on – https://singapore.feebasedfinancialadvice.com/should-i-pay-down-my-australian-mortgage-whilst-in-singapore/ This was the question that I was asked recently during a meeting by an Australian expat in Singapore, and one that many Australian expats ask. At first glance, it can seem like a ‘no-brainer’ to use your excess savings to reduce your mortgage while you’re working in Singapore, particularly given the currently weak Australian dollar relative to the Singapore Dollar. But…like with most matters of personal finance, there is a lot more to consider here. This week I explore what you should consider when it comes to deciding whether you should pay down…

Where to put my spare money to work

Where to Put My Spare Money to Work

by Tiffany Toh

[vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”full_width” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern”][vc_column][vc_column_text]In the last article I wrote, I mentioned that in the past when inflation was last at these levels, you could always find a quasi-risk-free fixed deposit rate at a bank that was generally higher than the inflation rate. So, your money earns a little more than the inflation rate of the time. Today, the fixed deposits and inflation markets seem to be moving in opposite directions. This tells us, the average investor, that we need to seek a little more risk for our savings to stay ahead of ongoing inflation. Generally, it…

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