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What is an investment?  An investment is something you commit money or capital to with the general aim of generating a financial return, i.e., getting back more money than you put in. Making money on an investment isn't guaranteed, however, as every investment carries risk; generally, the riskier the investment, the higher the expected return.    In this post, we explore the concept of investment planning, how to create a long-term financial plan, and some of the best ways to make money in Australia. What is investment planning? Investment planning is the process of deciding where and how you're going to..
The value of the Australian superannuation assets is $3.85 trillion as at March 2024. $932 billion of these assets are held within Self Managed Super Funds (SMSF’s).  The value of the assets held within SMSF’s has consistently grown over the years as more Australians’s choose to take control over how their retirement savings are invested.  The savings within SMSF’s can be invested in direct shares, property, collectible items, cash, Term Deposits, managed funds, diversified portfolios, etc. In 2007, the Australian government introduced changes to the Superannuation Act, which allowed superannuation funds to borrow to purchase property and shares using a..
Investment property loans allow Australians a fast track to passive income. They’re a bit complicated, though, so in this FAQs page we’ve tried to clear up a few of the most commonly-expressed questions about investment property loan acquisition. What is an investment property loan and how does it work? An investment property loan is money borrowed for the purpose of buying residential or commercial property to rent out. By investing in property investors are hoping to receive a steady rental income to help repay the investment loan and long term capital growth on the value of the property.  For example,..
Getting a home loan is a huge life event, so it’s important you understand the process thoroughly. It can also be complex, though, especially for first-time home buyers. To help you grasp the process, we’ve gathered some of the most common points of confusion and addressed them. What is a home loan and how does it work? A home loan is a lot like a personal bank loan in that you apply for the loan, receive the money from the lenders, and pay interest as you repay the loan in installments. There are a few important differences, though: Australians can..
Total and Permanent Disability insurance (TPD) is a safety net designed to protect your financial security if you cannot work due to a severe illness or injury. While most of us don't like to think about the possibility of disability, the reality is that unexpected events can happen at any time. Total and permanent disability coverage provides a financial buffer, helping you maintain your lifestyle and support your dependents if you can no longer earn an income. Here are the answers to your most-asked questions about TPD Insurance and how K Partners can find you the right cover. What Is..
Investing in property can be a great way to build wealth in Australia. However, navigating the world of tax deductions can feel overwhelming. As property investors, you need to understand tax depreciation schedules, and we at K Partners have the necessary knowledge to help you maximise your tax benefits. What are Tax Depreciation Schedules? Tax depreciation schedules set out what tax deductions can be claimed each year for your investment property. They work by acknowledging the gradual decline in the value of your investment property's building and fixtures over time. Understanding Tax Depreciation The concept of tax depreciation is more..
Life can be unpredictable, and a significant physical or mental medical diagnosis can throw your world into disarray. While the primary focus is always on recovery, the financial burden of a critical illness can add immense stress. This is where trauma insurance offers a financial safety net during challenging times. At K Partners, we have the answers to your questions about this coverage so you can decide on the best way forward. What is Trauma Insurance? Critical illness or Trauma insurance, is the type of coverage that pays out a lump sum benefit if you are diagnosed with a specific..