Empower Blog Ongoing Costs

Revealed: How Much You Need To Retire in ONE SIMPLE FORMULA

What I want to talk about today is the concept of retirement and, more specifically, how much do you need to have a passive income that will support the lifestyle you really want in retirement? Because most people, I wonder if they've thought this through. I've spoken to hundreds and hundreds of people, and they often talk to me about how they...

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Another look at Predicting the Future

In a previous article, we discussed one of the key factors in developing a long-term wealth building strategy  -  the need to “predict”, or at least make assumptions about, how key variables affecting the outcome of the strategy will change in the future.  For example, a strategy involving the use of borrowed money will need to include an as...

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The Impact of Yield

In an earlier article, we identified that there are many different investment assets available to use in a strategy designed to deliver long term wealth creation, and that different investment vehicles differ in a number of key characteristics.  In the previous newsletter, we talked about the capital growth of an asset and how it could affect the ...

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Repayment Changes

With the RBA decreases in interest rates late last year and the recent lender increases it’s hard to know exactly what your repayment should be each month when it comes to your mortgage. Furthermore there are some lenders who when rates are reduced do not adjust your repayment levels so you don’t know where you stand and it’s easy to feel as ...

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The Impact of Capital Growth

In an earlier newsletter, we identified that there are many different investment vehicles available to use in a strategy designed to deliver long term wealth creation, and that these different approaches differ in a number of key characteristics, including : their upfront and ongoing cost in terms of both time and money, the extent to which ...

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