CFPMarketing, Author at Hanratty Carr & Associates

How much cash should you hold vs invest? What’s the right mix?

CFPMarketing 30 June 2026 No Comments

There are always two ways for individuals to hold cash, emergency fund cash and investment cash. This needs to be clarified before discussing any investment mix. Emergency cash (not in…

A smarter way to respond to super volatility

CFPMarketing 30 June 2026 No Comments

When markets get bumpy or household budgets feel tighter, it’s common for people to start questioning their super. If your balance has dipped or returns haven’t met expectations, you might…

Living with higher for longer interest rates

CFPMarketing 30 June 2026 No Comments

Interest rates are rising and the Reserve Bank of Australia (RBA) has hinted that they could stay elevated for longer than expected. While people who live off their investments, including…

Payday Super – the simple change that can boost your retirement savings

CFPMarketing 30 June 2026 No Comments

From 1 July 2026, super contributions are getting a refresh. Payday Super means your employer will pay your super at the same time they process your pay, rather than relying…

Four ways to invest through market volatility

CFPMarketing 30 June 2026 No Comments

Looking for ways to manage investment risk while still aiming for long term returns? While valuations in many investment asset types have been affected by market volatility this year, there…

Making the most of a market downturn

CFPMarketing 30 June 2026 No Comments

In recent years, market volatility has once again tested the nerves of investors. From the post COVID recovery to ongoing geopolitical tensions, persistent inflation and rising interest rates, many are…

Reserve Bank lifts interest rates by another 0.25pc to 4.35pc

CFPMarketing 30 June 2026 No Comments

The Reserve Bank of Australia (RBA) has increased interest rates by 0.25 percentage points. The new cash rate target is 4.35 percent, up from 4.1 percent. Interest rates have now…

Economic update May 2026

CFPMarketing 30 June 2026 No Comments

Market developments during April 2026 included: Key Points Australian Equities The S&P/ASX 200 Accumulation Index rose 2.2% in April, with seven of the 11 sectors closing higher. Information Technology (+13.2%),…

Romance scams – signs an online relationship could be a scam

CFPMarketing 30 June 2026 No Comments

Romance scammers build emotional trust by seeming attentive and expressing intense feelings but money requests follow, often disguised as financial emergencies, travel costs or investment opportunities. Romance scams a top…

Developing a retirement savings plan

CFPMarketing 30 June 2026 No Comments

While saving for retirement can seem somewhat daunting, there are a few simple strategies to use when planning your best financial future. Here’s how to get started today, to enjoy…

Author: CFPMarketing