The Art of Saving for an Early Retirement
According to the Australian Bureau of Statistics, in 2022 130,000 people retired, with the average age being 64.8 years. The age of retirees has slowly increased since the 1990’s when it was around the ages of 60 to 61 years. However, this age is higher for men compared to women. Dreaming of an Early Retirement? […]
The Presidential Election: Investment Implications for Australians
The upcoming US presidential election will be pivotal for the direction of financial regulation and the economy, not just for Americans, but across the globe. The US elections are too close to call and have many variables associated with them. What are the implications of either side winning the election for Australian investors? If you’re […]
Financial Discipline And Steps To Save During A Cost Of Living Crisis
Hercules, the Greek god, had the strength, determination and grit to lift two stone pillars. He wanted it all, but his downfall was going in without a plan or knowing who he really was…. While your goal might not be to lift two tonnes, to achieve your financial goals, you still need a plan. In […]
The Visual Evolution of Locumsgroup
Established in 1952 in London, Locumsgroup originated as a publishing company, founded to assist Australian Medical and Dental Practitioners with their financial affairs while working overseas. During our establishment, we cultivated a set of core services and an overarching approach that have and continue to form our company’s value and purpose. While many of our […]
Optimising Your Superannuation Fund
Whether you are looking to retire or have just started your first full time job, managing your superannuation account is an important component to consider. A review of your superannuation fund can take form in a number of ways, detailed below: Review Your Current Fund Ensure your retirement funds are invested in line with your […]
Small Spending Habits That May Be Costing You Thousands
We’ve seen a lot of interesting money habits and across the spectrum of behavioural finance during our time here at Locumsgroup. The one spending habit we routinely see and perhaps the biggest culprit for savings erosion are small, discreet habitual payments. Acts that may seem innocent enough, like ordering UberEats for a mid-week treat, in […]
Deductible and Non-Deductible Interest
Most of us have it. Nearly all of us don’t want it. And yet, it is often fundamental to financial growth in the modern, Australian landscape. What am I? Debt. Debt, and the effective use of borrowings enable you to buy assets in today’s dollars that will be valued in tomorrow’s dollar for the period […]
Understanding Tax Cuts: What It Means for You
Two Perspectives On Tax – Daylight Robbery Vs. Club Fees ‘Daylight robbery’ or ‘clubhouse fees’ provide two opposing perspectives on government mandated tax. While both sides provide a compelling argument, from a financial advisory perspective, let’s consider this. There is a price to pay for living in a safe democracy. A simple glance to a […]
Climbing To The Peak
There’s something almost mesmerising about the ongoing rally in global equity markets. Rather than a spectacular race to the peak, this quarter has seen a more slow and steady climb. By the end of March both the S&P/ASX 200 Index in Australia and the S&P 500 Index in the US are reaching new record highs […]
How A Strategic Organisational Structure Saw A Single Retail Outlet Transform into National Franchise
Team Locumsgroup had the task of providing financial advice and a strategic ownership structure to help a client expand their single retail outlet into a thriving national franchise…
