"The government has made it clear that they don't want to see Superannuation used as a multi-generational wealth transfer..." - Gareth Croy
"Historically, we would see people get into their 50s, and in some cases their early 60s, and only start asking the question then about whether they are actually in a position to retire," - Gareth Croy
“That increased percentage of their income going to rent just means that there’s less at the bottom line to save,” - Gareth Croy
Your Future Strategy managing director Gareth Croy echoed this, saying the scheme was drawing first home buyers into “really large mortgages”.
“It has become increasingly harder for a single person to buy on their own because a single income doesn’t give them the borrowing power,” he said.
In a recent interview with 10 News, Gareth shared how “being asleep at the wheel” can stop you from making the most of the wealth you’ve already built.
Speaking on Sky News, Gareth discusses the upcoming changes to the Home Guarantee Scheme and what it could mean for your future.
New data showing that homeowners are, on average, six times wealthier than renters in retirement.
Australians looking to crack the property market can do so from today with a 5 per cent deposit, but there are concerns the scheme could backfire.
Speaking on 9News, Gareth discusses investing in non-traditional assets and what makes them so appealing for investors.
"We've got more people coming into the market and basic economics says that we're going to end up with price increases because of it..." - Gareth Croy
The Government has recently announced changes to the Home Guarantee Scheme. Combining the First Home and Regional Home into one…
Young Aussies are no longer waiting until later in life to enjoy retirement, with a new trend seeing many of them stopping work before they are even out of their 20s.
The ‘micro-retirement’ trend is increasing in popularity, particularly among Gen Z and Millennial workers, seeing them turn away from the traditional retirement model that heavily relies on superannuation.
Investment opportunities in emerging markets offer high growth potential, though they come with elevated risks.
'We are looking at a generation of Australians who could be lifelong renters, even in retirement, which is not something we've seen before.' - Gareth Croy
Investment opportunities in emerging markets offer high growth potential, though they come with elevated risks.
"I haven’t seen people actively engaging in this conversation as they have in
the last 12 months,” - Gareth Croy.
In recent months, there has been growing discussion around Australia’s labour productivity, but what exactly does that mean, and why…
The current global economic outlook is marked by uncertainty. With escalating trade tensions, financial market volatility, inconsistent policy responses, and…
The following article was taken from Money and Finance Magazine, published on Tuesday, 30th July. Read the article in full below
What is the HECS-HELP Loan? HECS-HELP is an Australian government loan to help eligible students cover the cost of their…
The following article was taken from Money and Finance Magazine, published on Tuesday, 30th July. Read the article in full below
Gareth speaking to 7News about Brisbane's Low to Medium Zones
As home prices hit their highest levels on record, one trend is rapidly gaining traction, giving hope to buyers priced out of where they live in.
The following article has been taken from The Australian Financial Review, published Friday 18th July. Read the article in full…
Debt recycling has gained traction in recent years and is a popular way to turn interest expenses from being classed…
The following article has been taken from The Australian, published Monday 16th June. Read the article in full here
The following article has been taken from Business Daily Media, published Thursday 31th July. Read the article in full here.
The metrics we worship mean nothing until we’ve earned the scars to understand them. I’m a data guy to my…
“The biggest reason why this matters, is your borrowing capacity…” – Gareth Croy This week the RBA slashed the cash…
When the Australian Taxation Office (ATO) decides to audit an individual or business, their goal is simple: to identify discrepancies, omissions, or signs of tax avoidance or evasion.
China has emerged as the world’s largest exporter and second-largest economy behind the US.
The European defence sector is experiencing a significant surge, driven by geopolitical tensions and shifting alliances. This trend, which began…
An Australian federal budget isn’t just a spreadsheet of revenues and expenditures for the coming year. It’s a snapshot of…
As US tariffs start to take effect globally, many are understandably concerned about the future implications. Recent announcements have led…
Following 13 rate increases, the cash rate has been cut by 0.25% to 4.1%.
How Prediction Markets Can Transform Portfolio Management Every January, we’re inundated with predictions — from expert economists forecasting the next…
INSIGHT 2025 is just around the corner and we’re very pleased to share our guest speakers and experts who you’ll…
This article explores whether the Small Cap Premium still holds, why Australia diverges from global norms, and what investors should know to navigate these market dynamics.
ATO Update: What’s New For 2024? As the new financial year unfolds, it’s a good time to take stock of…
The 2024 Federal Budget was announced on Tuesday 14 May 2024, with a focus on cost-of-living relief (again) and clean…
‘Element of Urgency’: Sydney’s Median House Price Hits Record $1.75m | In the Media
“It’s probably those people who were thinking about it, but really didn’t have any sense of urgency, that all of a sudden, went, ‘Oh, I can see what’s coming. Let’s dive in before the tidal wave comes,” - Gareth Croy