https://www.ballingers.com.au/blog daily 0.75 2024-12-19 https://www.ballingers.com.au/blog/superannuation-101 monthly 0.5 2024-09-17 https://images.squarespace-cdn.com/content/v1/63e49f823170cb091024ac91/37a4f996-5a25-4926-a19a-a3cb4165f86c/allinger%27s+Financial+Planning1.jpg Articles - Superannuation 101 - Superannuation refers to the retirement system in Australia that is designed to enable people to be financially self-sufficient in retirement, rather than rely on the Age Pension from Centrelink. It is compulsory for employers to make superannuation contributions for their employees. Once an employee retires, usually after age 60, the superannuation system is designed to provide an income to live on. Superannuation is commonly referred to as "super." https://images.squarespace-cdn.com/content/v1/63e49f823170cb091024ac91/abd1f407-d204-4757-9cdf-cba17331f8fc/salary+info.png Articles - Superannuation 101 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/63e49f823170cb091024ac91/104d2db3-0475-4cd5-8c95-2e4dc37be7a6/tax+income+.png Articles - Superannuation 101 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/63e49f823170cb091024ac91/976ffc43-4a68-4ed7-ad71-3244b8729273/aaron-burden-cEukkv42O40-unsplash.jpg Articles - Superannuation 101 - Most people will work on average for around 40 years which means that money invested can grow quite a lot over that time. For example, making a one-off contribution of $10,000 into your super fund would result in the $10,000 being worth $47,086 after 40 years assuming it earns 4% pa. If you contributed $10,000 per annum into your super for 40 years at a rate of return of 4% pa, your $400,000 investment would be worth $969,260. The choice of investment strategy can make a large difference to the balance over time. Using the above example, if the investments earned 5% pa instead of 4% pa, this would result in the $969,260 increasing to $1,238,198 after 40 years. Note, we have used investment returns of 4% pa instead of 7% pa to show the likely value in today’s dollars (net of inflation). https://images.squarespace-cdn.com/content/v1/63e49f823170cb091024ac91/dd5d9b3f-9794-434e-a376-12d38e7d8c45/Copy+of+Working+with+you%21+%283%29.png Articles - Superannuation 101 https://www.ballingers.com.au/blog/raising-capital-in-australia monthly 0.5 2024-07-18 https://images.squarespace-cdn.com/content/v1/63e49f823170cb091024ac91/61364aca-8670-41a0-9863-a58200aa0fb6/IMG_5138.jpg Articles - Raising Capital in Australia Stephen Ballinger, Director of Ballinger’s Financial Planning and a financial adviser since 1996, brings his extensive experience to this article on raising capital in Australia. Raising capital is a multifaceted process governed by strict regulations to ensure compliance and protect investors. This article explores the various methods individuals and companies use to pool funds for ventures, ranging from simple informal agreements to sophisticated structures like unit trusts, and outlines the legal requirements, exceptions, and specific rules for different types of entities involved in capital raising. Click here to download the article. https://www.ballingers.com.au/blog/understanding-and-preventing-credential-stuffing-scams monthly 0.5 2025-02-19 https://images.squarespace-cdn.com/content/v1/63e49f823170cb091024ac91/6acd0a83-2683-489d-bba9-9ed1f4b03697/markus-spiske-Skf7HxARcoc-unsplash.jpg Articles - Understanding and Preventing Credential Stuffing Scams - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.ballingers.com.au/blog/generation-z-mastering-financial-success-for-a-better-future monthly 0.5 2025-02-19 https://images.squarespace-cdn.com/content/v1/63e49f823170cb091024ac91/0ef912a7-2621-45ef-97dc-af84bb883ee8/niklas-ohlrogge-tc2Cts4aXCw-unsplash.jpg Articles - Generation Z: Mastering financial success for a better future https://images.squarespace-cdn.com/content/v1/63e49f823170cb091024ac91/639e1a4c-0805-4534-979f-2cd262fac656/231018+Financial+Plan+Graphic.png Articles - Generation Z: Mastering financial success for a better future https://www.ballingers.com.au/blog/why-i-have-been-using-wise-cards-for-international-travel-and-business-transactions monthly 0.5 2023-12-19 https://images.squarespace-cdn.com/content/v1/63e49f823170cb091024ac91/41986ea3-5ae4-4f21-a182-2b54d27e8e48/jack-cohen-j5JMA4Fjq4c-unsplash.jpg Articles - Why I use Wise Cards for International Travel & Business - For example: It’s free to withdraw $350 per month internationally with Wise. If you were to withdraw $350 AUD to EUR internationally, the fee at other Australian banks would be: Wise: $0.00 ANZ: $12.50 CommBank: $12.50 ING: $12.50 NAB: $12.50 Westpac: $12.50 https://images.squarespace-cdn.com/content/v1/63e49f823170cb091024ac91/4bf6c478-afa6-4001-8d10-c476dfef9fe8/paul-rysz-bLF3vK_X2Vc-unsplash.jpg Articles - Why I use Wise Cards for International Travel & Business - For example: If you were to convert $500 AUD to USD, this is how much USD other Australian banks would give you: USD $328 on Wise USD $321 with NAB & Qantas card USD $316 with CBA  USD $312 with ANZ  USD $311 with PayPal https://www.ballingers.com.au/blog/sept-2023-report-aam-diversified-agriculture-fund monthly 0.5 2023-12-01 https://images.squarespace-cdn.com/content/v1/63e49f823170cb091024ac91/b409b704-44d5-47c3-9ff6-8a7d2ad5e03e/benjamin-guy-NZ9_inEIfVM-unsplash.jpg Articles - Sept 2023 Quarterly Report for the AAM Diversified Agriculture Fund - The September 2023 Quarterly Report for the AAM Diversified Agriculture Fund (ADAF) was released a few weeks ago and I have summarised the key points below. https://images.squarespace-cdn.com/content/v1/63e49f823170cb091024ac91/3539d2df-77a2-483d-b9fd-d10d376cfc4c/Picture1.png Articles - Sept 2023 Quarterly Report for the AAM Diversified Agriculture Fund - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/63e49f823170cb091024ac91/b8524f67-b953-4904-a02b-ed9c4e4def68/Picture2.png Articles - Sept 2023 Quarterly Report for the AAM Diversified Agriculture Fund - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.ballingers.com.au/blog/whysharepricedoesntmatter monthly 0.5 2023-07-13 https://images.squarespace-cdn.com/content/v1/63e49f823170cb091024ac91/29eb7be3-5c7f-4ed3-bcfa-7001e0de23a6/annie-spratt-IT6aov1ScW0-unsplash.jpg Articles - Why share price doesn’t matter https://www.ballingers.com.au/blog/thelongtermbenefitsoffinancialplanning monthly 0.5 2023-07-13 https://images.squarespace-cdn.com/content/v1/63e49f823170cb091024ac91/1689056081066-0XEX2MEVJBETPW2OFIYA/IMG_1231.JPEG Articles - The long-term benefits of financial planning   - Financial planning is the process of creating a roadmap to achieve your financial goals. It involves setting goals, developing a plan to achieve those goals, and regularly monitoring and adjusting the plan to ensure you stay on track. While financial planning can help you achieve short-term financial goals, its long-term benefits are even more significant. Image from our office view in Merewether NSW https://www.ballingers.com.au/blog/whycareaboutsuper monthly 0.5 2023-07-13 https://images.squarespace-cdn.com/content/v1/63e49f823170cb091024ac91/1689056446799-WLAWU64598QXC2W2EKPS/IMG_5967.JPEG Articles - Why care about your superannuation? - Superannuation is a form of retirement savings that is mandatory for most Australian workers. It is designed to provide income in retirement to replace or supplement the Age Pension. While superannuation may not be at the forefront of your mind when you're younger, it's essential to consider how maximising your superannuation will benefit you in retirement. Image taken from our office view in Merewether NSW https://www.ballingers.com.au/blog/christmas2022 monthly 0.5 2023-07-13 https://images.squarespace-cdn.com/content/v1/63e49f823170cb091024ac91/ffeab233-3ba6-4dc7-943f-082b7ca74a31/Christmas+2022.png Articles - 2022 Merry Christmas from Ballingers! - From the team at Ballingers, we’d like to say thank you for a fantastic year. We appreciate your continued loyalty and faith in us. In lieu of sending Christmas Cards, we have donated $4,000 to Soul Cafe in recognition of the incredible work they do. The Soul Café served 46,000 meals and had 250,000+ conversations with vulnerable people in our local community last year. Put your feet up and have a well-deserved rest this Christmas! 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