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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..
Life insurance offers a safety net for your loved ones in the unfortunate event of your passing. But when tax season rolls around, you might ask: is life insurance tax deductible? Are you confused about life insurance and how it affects your taxes? This guide and our expertise will help you navigate life insurance and tax deductions in Australia. Our clear explanation will help you choose whether this option best aligns with your financial goals. What types of life insurance are tax-deductible? The Australian Taxation Office (ATO) generally doesn't allow tax deductions for premiums on life insurance policies taken out directly with..
Have you ever wondered if there's a better way to manage your mortgage and potentially save money? Look no further than offset accounts and redraw facilities! These are two popular features offered by many lenders, and understanding their differences can help you decide which one best suits your financial situation. This guide will break down the key differences between offset and redraw accounts, explore the pros and cons of each, and offer some helpful tips for choosing the right option for your mortgage. How Offset and Redraw Work? Offset Account An offset account is a transaction account linked to your mortgage. Any..
Superannuation or ‘super’ is money set aside by your employer over your working life for you to live on when you retire. By investing additional funds into superannuation or taking control over how these funds are invested you can influence the outcome of your retirement savings. Here are some reasons why investment in superannuation is beneficial:
In financial planning and wealth management, K Partners embraces innovative solutions to optimise our client's financial well-being. One concept that may arise is an investment bucket company. Such a strategy can be a valuable tool for effective financial planning by improving tax efficiency and allowing clients to achieve their long-term financial goals. What is a bucket company, and how does it function? Let's look at this concept. What is a Bucket Company? Imagine a trust, a legal entity holding assets and generating income in Australia. Traditionally, the trust distributes this income directly to designated beneficiaries. However, this often subjects the..
Buying a house in Australia is a thrilling yet complex journey, and securing the perfect home loan is a critical step. Navigating the loan confirmation process can sometimes feel overwhelming, especially when encountering unfamiliar terms like conditional and unconditional approval. Future homeowners should not worry because this comprehensive guide will shed light on these crucial concepts, helping you confidently navigate the path to homeownership. The Difference Between Conditional and Unconditional Loan Approval: Navigating Your Way to Homeownership Understanding the difference between conditional vs. unconditional loan approval for a home loan is crucial for a smooth and successful property purchase journey..
We empower businesses to grow and thrive with the right commercial mortgage broker. What is a Commercial Property Loan? A Commercial Property Loan is a specialised form of financing designed to purchase, develop, or refurbish business or industrial properties. These properties range from office buildings and retail spaces to industrial sites and apartment complexes. Unlike residential options, this option typically involves more significant amounts of money and longer repayment periods and is often subject to more rigorous underwriting standards. Interest rates can be fixed or variable, depending on the lender's terms. The primary focus of such options is to support..