Financial planning articles & tips

Tariff Turbulence: VanEck’s 2025 Q2 Summary 

Please Note: This report was created and provided by VanEck. American economist Harry Markowitz is credited with saying that “diversification is the only free lunch in investing.” The problem for the past quarter is that not everyone was eating. Unloved and under owned assets came to the fore during the first quarter of 2025. Gold was ...

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5 Charts to Define 2025

Note: This article was first released by Beta Shares here. As we move into 2025, investors face concentrated equity markets at all-time highs, elevated government bond yields and policy uncertainty. Within this context we asked five Betashares investment experts to nominate a chart that they think investors should be watching for the year ah...

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Priced to perfection: VanEck’s 2025 Q1 Summary 

Please Note: This report was created and provided by VanEck. “Although expectations of the future are supposed to be the driving force in the capital markets, those expectations are almost totally dominated by memories of the past. Ideas, once accepted, die hard.” – Peter Bernstein If the market does represent the future, US market...

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Reflecting on 2024: A Christmas Message from Ben

As the year draws to a close, it’s the perfect time to reflect on the achievements and milestones of 2024. Ben Kingsley, Managing Director of Empower Wealth, shares his heartfelt Christmas message, highlighting what has been an extraordinary year for our clients, our businesses, and our community. Empowering Clients, One Milestone at a Time ...

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Is your financial plan protected?

A financial plan is a powerful thing, but it’s most effective when supported by a solid protection strategy. Why take out personal insurance? Put simply, it can help smooth out some of the unexpected turbulence that we sometimes encounter in life, just as motor vehicle insurance can help take the financial shock out of road accidents. If y...

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Risky Business: VanEck’s 2024 Q4 Summary 

Please Note: This report was created and provided by VanEck. “The job of the Central Bank is to worry.” – Alice Rivlin, 16th Vice Chair of the Federal ReserveIf central banks worry, what is an investor to do? In its last monetary policy decision statement, the Reserve Bank of Australia (RBA) stated, “Sustainably returning inflation to...

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900th “5 stars” Google Review AND more!

At Empower Wealth, we’re all about helping Australians take control of their finances and build a better future and this month, we’re excited to share some incredible milestones that show the impact of this journey!! NPS and Google Reviews Getting a high Net Promoter Score (NPS) is no small task. In fact, most banks, insurers, and wealth...

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Empower Wealth Wins Wealth Advisory of the Year 2024!

We are thrilled to announce that Empower Wealth has been honoured with the prestigious Wealth Advisory of the Year Award – Australia 2024 by Pan Finance, an internationally renowned platform that recognises excellence in the financial industry. This award stands as a significant milestone in our journey. Not only does it reflect the growth we...

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What is indexation and how does it work?

Indexation is an optional benefit on life insurance policies designed to ensure you’ll always have the same financial freedom in the event of a claim. Not all insurance policies offer indexation. But for those that do, it works by offering you an increase to the sum insured in your policy at each policy anniversary. This increase is designed ...

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The Waiting Game: VanEck’s 2024 Q3 Summary 

Please Note: This report was created and provided by VanEck. Andy Warhol once said, “You need to let the little things that would ordinarily bore you suddenly thrill you.” And that is what markets have been doing this past quarter, every percentage point outside of consensus, and every basis point change has been thrilling markets. But if...

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Retirement Savings: What Every Australian Needs to Know

Key Takeaways: According to the Association of Superannuation Funds of Australia (ASFA), to have a ‘comfortable’ retirement, single people will need $595,000 in retirement savings, and couples will need $690,000, assuming they receive part Age Pensions.1 Retirement calculators can tell you how much capital you need to support the lifest...

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Changes to super from 1 July 2024

Key takeaways: On 1 July 2024, the SG rate which determines the minimum percentage of your salary that your employer must contribute to your super fund, will increase from 11% to 11.5% The cap on concessional (before-tax) super contributions will increase from $27,500 to $30,000 per year The non-concessional (after-tax) super contributio...

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Most Injuries Happen at Home, Not Work

The latest injury statistics are a stark reminder that accidents can happen anywhere, but are less likely to happen at work, making it critically important to hold comprehensive life insurance including income protection. Income protection insurance provides invaluable financial protection against disability as a result of sickness or injury by...

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