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Aussies are relying on sources they trust for financial advice, with twice as many turning to relatives for advice rather than a financial adviser.

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According to comparison site Finder, 42 per cent of respondents in a new survey reported asking their family members for monetary advice, followed by Google and friends at 26 per cent each. 

Just 20 per cent indicated they relied on the advice of a financial adviser.

For Finder’s money expert Bessie Hassan, the complexity of financial products available can be overwhelming and is leading consumers to turn to someone they trust.

“Parents or older family members can be a great source of wisdom, especially when it comes to budgeting – they've been there before,” Ms Hassan said.

But she warned against relying on the family completely when it comes to modern-day finances.

“Remember that the current economic climate, along with your own personal financial circumstances may be different to what others have experienced,” Ms Hassan said, noting that “this is where doing your own research will help”. 

General financial advice-like materials, including the Barefoot Investor (12 per cent), finance magazines (11 per cent) and Youtube (10 per cent), also made the list of sources Aussies are turning to for money advice.

Ms Hassan said that while the internet can be a useful tool for accessing information, Aussies should exercise caution when researching complex money matters.

“But if you need specific advice, or you’re dealing with a complex financial situation like debt or divorce, you’re better off consulting with a professional,” she concluded.

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Aussies are relying on sources they trust for financial advice, with twice as many turning to relatives for advice rather than a financial adviser.

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Australia has the fourth-largest divide between its richest and poorest regions across a study of 22 developed nations.

Write comment (0 Comments) " ["fulltext"]=> string(3199) "

According to the International Monetary Fund (IMF), this divide is leading to poorer economic outcomes which has a direct correlation with health outcomes, including higher infant mortality rates and lower life expectancy.

In conjunction with the IMF, research from the First Nations Foundation has also shown Australians – including Indigenous Australians – living in remote areas were most vulnerable to those poorer economic outcomes.

First Nations Foundation CEO Amanda Young has expressed her belief that the only way to bridge the gap is through financial education.

“Indigenous people have been unable to learn and pass down basic financial literacy because it has only been since the 1970s that Indigenous people have been given legal permission to receive an income or own property,” Ms Young explained.

First Nations Foundation’s research has shown that nine out of 10 Indigenous people do not have financial security, while three in four Indigenous Australians are excluded from access to financial services such as superannuation, insurance and financial advice.

This has led to one in two Indigenous Australians experiencing severe financial stress.

“Trust in, and understanding of, financial institutions is low among Indigenous Australians, but real change can be achieved.

“It’s not good enough to have a tick-and-flick list you operate from your financial organisation in the city, assuming you are somehow reaching your regional customers, because we can confirm, you are not,” Ms Young continued.

The research also found that three-quarters of Indigenous people have had some difficulty getting help from financial services in the last 12 months. 

It noted that more than half (53.1 per cent) of respondents indicated low to moderate levels of access to economic resources. 

A further one in three respondents scored very low access levels. 

Overall, more than 70 per cent of Indigenous respondents displayed low or moderate levels of financial knowledge and behaviours.

 

Learn more of Financial Literacy here.

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Australia has the fourth-largest divide between its richest and poorest regions across a study of 22 developed nations.

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While well travelled, Australians aren’t financing travel well – returning home with phones full of pictures but wallets full of debt, according to the Financial Planning Association of Australia (FPA).

Write comment (0 Comments) " ["fulltext"]=> string(1640) "

In recognition of World Financial Planning Day, FPA has expressed a desire to encourage Australians to #PlanWell2LiveWell “so we can see more of our beautiful country and travel overseas without financial regret”.

The FPA cited Commonwealth Bank data that found Australians had overspent on international travel by more than $900 million, while close to half of all travellers surveyed hadn’t bothered to set a budget before leaving for an overseas trip.

Certified financial planner and CEO of FPA, Dante De Gori, said that “too often, we hear of well-meaning Australians who have embarked on a holiday before they were financially prepared”.

“They got caught up in the years of dreaming and organising, and came home saddled in debt.”

This World Financial Planning Day, he said the organisation really wants Australians to understand “that if you don’t have a good grasp of your financial situation before you depart for your travels, your finances are more likely to unravel while you’re on the road”.

He offered up some words of wisdom:

“Set your goals. Budget your everyday expenses and savings, manage your debt, invest wisely, and get appropriate travel insurance. And if you’re planning to use your retirement to see more of the world, plan early for that stage of life.”

He also advised would-be explorers to “make a plan with a certified financial planner professional now to live well later”.

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While well travelled, Australians aren’t financing travel well – returning home with phones full of pictures but wallets full of debt, according to the Financial Planning Association of Australia (FPA).

Write comment (0 Comments) " ["jcfields"]=> array(1) { [1]=> object(stdClass)#3485 (32) { ["id"]=> string(1) "1" ["title"]=> string(17) "Automatic tagging" ["name"]=> string(17) "automatic-tagging" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2018-08-29 05:26:30" ["created_user_id"]=> string(4) "2355" ["ordering"]=> string(1) "0" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#3420 (3) { ["data":protected]=> object(stdClass)#3310 (1) { ["options"]=> object(stdClass)#3424 (2) { ["options0"]=> object(stdClass)#3425 (2) { ["name"]=> string(3) "Yes" ["value"]=> string(1) "1" } ["options1"]=> object(stdClass)#3421 (2) { ["name"]=> string(2) "No" ["value"]=> string(1) "0" } } } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#3422 (3) { ["data":protected]=> object(stdClass)#3428 (6) { ["hint"]=> string(0) "" ["render_class"]=> string(7) "autotag" ["class"]=> string(9) "btn-group" ["showlabel"]=> string(1) "0" ["show_on"]=> string(1) "2" ["display"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(1) "1" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "1" ["label"]=> string(17) "Automatic tagging" ["description"]=> string(51) "Automatic tagging of article base on title keywords" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(17) "Celeste Fernandez" ["group_title"]=> string(4) "Tags" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(1) "1" } } ["link"]=> string(51) "/save-money/how-to-budget/financial-planner-holiday" ["image"]=> string(52) "images/article-826x550/tourist-travel-airport-ne.jpg" ["image_alt"]=> string(21) "Tourist in an airport" } [3]=> object(stdClass)#3324 (56) { ["id"]=> string(5) "13827" ["title"]=> string(64) "Financial planner reveals what lotto winners should do with $50m" ["alias"]=> string(63) "financial-planner-reveals-what-lotto-winners-should-do-with-50m" ["introtext"]=> string(442) "

The three lucky recipients of last night’s $150 million jackpot have been warned to do very little with their money until they can take the emotion out of last night’s result.

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Speaking to nestegg, financial planner Adele Martin has explained that winners of such large windfalls need to get themselves a good team around them that includes accountants, lawyers, financial advisers and, potentially, life coaches.

“If you’ve suddenly have this wealth and you haven’t created it along the way, you might not necessarily have the skills,” Ms Martin said. 

And while the rest of us only dream of what we could do with such a large amount of money, she advised that despite not being the most interesting way to spend $50 million, recipients could simply put money into a bank account and live off the interest.

“You don’t necessarily have to go and invest it. When you win the lotto often, it can be about protecting the capital,” the financial planner argued. 

As a word of caution, Ms Martin cited a US statistic that around a third of lottery winners end up in a worse financial position after winning the lotto than they were in previously. 

Plan and set targets

Ms Martin said planning and setting targets would ensure last night’s winners protect the capital they have luckily won.

To ensure the capital remains, Ms Martin advised setting a target “for how much you can give each year or put away”.

And while an immediate resignation is what many people dream of, the financial planner also advised winners to continue on with daily life, until they have set up their plans.

For her clients who have suddenly found themselves responsible for large windfalls, she advises: “Don’t rush in, don’t make any big decisions straight away.

“Take your time, still turn up to work and keep everything normal and really think about this before rush[ing] into doing anything.”

What should winners do with the money?

Despite three winners last night, Ms Martin explains if one person had won the money, they would likely be eligible for $3 million in interest a year just by banking the money, meaning they do not need to invest the money.

She said that “this is where lotto winners get in so much trouble”. 

“They go out and they do these development or start these businesses and they split it to all these investments thinking it’s what they have to do and they don’t.

“If you won the $150 million and you could get 2 per cent a year from it, you’d get $3 million a year from it in interest before tax.”

The financial planner concluded: “They should have a proportion to play with and have a large majority of capital protected because you could just live off the interest.”

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The three lucky recipients of last night’s $150 million jackpot have been warned to do very little with their money until they can take the emotion out of last night’s result.

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The federal government is touting a $690 million deficit and its 0.0 per cent representation of gross domestic product (GDP) as a return to balance for the Australian budget.

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In a joint statement from the Commonwealth Treasurer and the Minister for Finance, it was emphasised that the budget had been pulled back to a balance for the first time in 11 years, since 2007-08.

According to the Hon Josh Frydenberg MP, the underlying cash balance in the final budget outcome for the 2018-19 financial year is $13.8 billion better than estimated at the time of the 2018-19 budget.

“A growing economy with more jobs and stronger terms of trade than anticipated at the time of the 2018-19 budget has driven total receipts $11.5 billion higher, with payments $6.6 billion lower than expected at the time of the 2018-19 budget,” the statement read.

The Treasurer highlighted how employment growth “far exceeded expectations” from when the budget was first delivered.

Mr Frydenberg reported that “with about 300,000 additional jobs created in 2018-19, employment grew by 2.6 per cent, well above the 1.5 per cent growth forecast in the 2018-19 budget”.

More than eight out of 10 jobs created in the last year were in full-time employment, with the proportion of those of working age in welfare now at its lowest level in 30 years, according to reports.

It meant individual tax receipts were up by $5.7 billion compared to the 2018-19 budget forecast, with the ministers noting “more jobs drive increases in revenue as well as lower payments”.

“Our strong fiscal management has put the budget on a sustainable trajectory, ensuring that we can guarantee the essential services that Australians rely on,” the statement continued.

It was indicated that the government had kept spending as a share of GDP in 2018-19 at 24.6 per cent of GDP, below the long-run average of 24.7 per cent for the second consecutive year, while also providing record levels of investment in essential services like hospitals, schools and aged care.

According to the Treasurer, “these outcomes demonstrate that the government’s economic plan is working and confirm that the budget will be back in the black and back on track for the 2019-20 year”.

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The federal government is touting a $690 million deficit and its 0.0 per cent representation of gross domestic product (GDP) as a return to balance for the Australian budget.

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With the financial services royal commission still fresh in the minds of many Australians, it’s not surprising that new research has revealed a high level of mistrust against the industry.

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ASIC’s new report, Financial advice: What consumers really think, looked at research into consumer experiences of, and attitudes towards, financial advice and the advice industry.

It found that a significant number of Australians are put off “by factors such as high costs, significant distrust of the industry and a perception that financial advice is only for the wealthy”, according to ASIC commissioner Danielle Press.

The research revealed that while 41 per cent of Australians do intend to get personal financial advice in the future, many will not actually proceed with obtaining such advice due to factors inclusive of the cost, considerations that it would not be worth it, distrust of financial advisers, or a perception that it would not be valuable to them.

While 27 per cent of Australians have received financial advice in the past, only 12 per cent of Australians have accessed advice in the last 12 months.

In addition, nearly one in two (49 per cent) online survey participants agreed that financial advisers “were more interested in making themselves rich than in helping their customers”.

A further 37 per cent agreed that “financial advisers did not generally have the customer’s best interests at heart”.

Despite the grim findings, Ms Press observed that “consumers who had recently received financial advice had more positive attitudes towards financial advisers than those who had not”.

“Moreover, even limited knowledge of industry reforms such as FOFA (Future of Financial Advice) appears to have improved consumer attitudes towards the sector,” she continued.

So who does use financial advice?

The research found that investment, inclusive of shares and managed funds, was the number one topic that Australians would like or seek out financial advice for, with retirement income planning and growing superannuation rounding out the top three.

Budgeting and cash flow management, aged care planning, risk protection, and SMSF were also commonly cited as areas people would consider advice for.

A significant majority of consumers who are seeking out financial advice do so because they feel advisers have expertise in financial matters and can recommend products that they could not normally find on their own, it was noted.

“Although not all Australians need financial advice, it is imperative that people wanting advice when making critical financial decisions are able to access high-quality advice and, equally, feel confident that the advice is in their best interests,” Ms Press said.

 

Read more of trust here.

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With the financial services royal commission still fresh in the minds of many Australians, it’s not surprising that new research has revealed a high level of mistrust against the industry.

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