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RetireInvest Wide Bay

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Hervey Bay, QLD
RetireInvest Wide Bay

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We all want to make the most of this life. While that means different things to different people, money always has a big role to play.

03/11/2026

Stay up to date with what's happened in the Australian economy and markets over the past month.

We are all about keeping you informed and empowered and this month's economic and market video provides a quick overview of the shifting Australian economic landscape and what’s driving market movements.

October saw global and Australian markets navigate ongoing uncertainty around inflation, economic growth and interest rates.

The Australian dollar remained sensitive to shifting expectations and uncertainty around the outlook for the US dollar continued to influence its performance.

As always, feel free to reach out if you have any questions or want to chat about your strategy.
https://riwidebay.com.au/get-in-touch

03/11/2026

Give your super a head start!

Let’s be honest, for many teenagers and young adults, starting a first job is an exciting milestone. But the focus is usually on the first pay packet, saving for a car, travel, study or eventually a home deposit. Superannuation probably sounds boring right now and often sits much further down the priority list.

It’s totally understandable. You want to enjoy the money you’re earning now, not thinking about how much you’ll need in 40 or 50 years’ time. Yet young workers have one advantage no older investor can buy: time. Understanding how your super works now could pay off later in life.

Your first job is a great time to get to know your super.

Retirement might feel a long way off, but starting early gives your super more time to grow. That’s the power of compounding: investment returns can generate further returns over time, so even small, regular contributions may make a difference in the long run.

You don’t need to put big amounts aside straight away. Start by checking that your employer is paying your super, understanding your fund’s fees and investment options, and making sure you haven’t collected multiple accounts as you change jobs.

Eligible low and middle-income earners who make personal after-tax contributions may also receive a government co-contribution of up to $500.

Building good habits now can give your future self a helpful head start, while still leaving room for today’s priorities.

Want to understand how your super works and what options may suit you?
Get in touch with us to learn about having a head start https://riwidebay.com.au/get-in-touch

30/10/2026

Should you change your investment strategy because of the CGT changes?

Could paying more tax still leave you better off?

Proposed capital gains tax reforms may change how some investments are taxed from 1 July 2027. Modelling in this article suggests higher-growth investments could face a larger capital gains tax bill under the proposed rules.

But the modelling also highlights why tax shouldn’t be the only factor in an investment decision. In the example, the higher-growth portfolio still ended with more after-tax wealth over 20 years, as more of its returns remained invested and compounded. It also carried greater exposure to market fluctuations and the risk of loss.

Your investment strategy should reflect your goals, time frame, circumstances and comfort with risk—not just the tax outcome.

Talk with us about how proposed changes could affect your investment strategy and long-term plans.
https://riwidebay.com.au/get-in-touch

27/10/2026

Scam alert: Scammers impersonating banks in text messages, phone calls and emails.

There's a rise in criminals calling, emailing or messaging people and pretending to be from the bank so that they can steal your money.

The scammers ask you for personal or financial information or to transfer funds or to give them a one-time security code over the phone. They often claim to be from the bank’s fraud department and might say that there has been a compromised account or suspicious transaction.

They may use technology to make it look like the call is coming from the bank’s phone number. They may send a message that looks like it comes from the same conversation thread as genuine bank messages.

Remember: your bank will never ask you to transfer money to protect it, or ask for your password, PIN or one-time security code over the phone.

If you receive a suspicious call or message:
STOP — Don’t share personal or financial details, click links or transfer money.
CHECK — Contact your bank through its app or a phone number you find yourself, such as the number on your card or bank statement.
PROTECT — If you’ve shared information or transferred money, contact your bank immediately and report it to Scamwatch.

Please share this reminder with family and friends. Knowing what to look out for can help protect the people around us.

22/10/2026

Following her birthday celebrations.......congratulations to Rebecca on 14 years with RetireInvest Wide Bay!

As our Senior Client Service Officer, Rebecca plays an important role in supporting our clients and helping our team deliver thoughtful, personal service.

We’re grateful for Rebecca’s dedication, experience and the care she brings to her work every day. Please join us in congratulating her on this wonderful milestone!

21/10/2026

Happy Birthday, Bec!

Today we’re celebrating Rebecca Muller, our wonderful Senior Client Service Officer.

Rebecca brings care, professionalism and a friendly approach to supporting our clients and team for almost 14 years....... We hope you have a lovely day filled with happiness, laughter and all the things you enjoy.

Please join us in wishing Rebecca a very happy birthday!

21/10/2026

We are so proud of our illustrious leader with a wonderful milestone worth celebrating — congratulations to Kathy on completing 900 classes at F45 Training Hervey Bay.

With a busy schedule and plenty on her plate, Kathy’s commitment to making time for her health is inspiring. From an 8 week challenge over 7 years ago, her focus on putting fitness as a priority is a testament to her allocating time for her health.

Regular movement can be a valuable part of caring for both body and mind, supporting wellbeing through life’s many demands.

Well done, Kathy. Your consistency and dedication are something to be proud of! 💪

21/10/2026

AI can feel overwhelming when the tools and terminology seem unfamiliar. But you don’t need to be a technology expert to get started — often, it begins with asking a clear question.

AI can help organise information, compare options and highlight questions you may want to explore. In financial planning, it may be a useful starting point for learning about a topic or preparing for a conversation, but it can’t replace advice tailored to your circumstances.

Good financial decisions start with understanding what matters to you and having a plan that reflects your goals. If you’d like to talk through your financial priorities, contact RetireInvest Wide Bay to arrange a conversation with our team.
https://riwidebay.com.au/get-in-touch

20/10/2026

Our team enjoyed attending this morning’s Hervey Bay Chamber of Commerce breakfast, where John Hale, The Strategy Guy, shared valuable insights on resilience and the impact of artificial intelligence.

It was a thought-provoking presentation on adapting to change and building confidence in a rapidly evolving world. Thank you to the Chamber for bringing local business leaders together for an informative morning.

19/10/2026

One year after the introduction of the new Aged Care Act, older Australians and their families are adjusting to a changed aged care landscape that includes new funding arrangements, higher costs for new entrants and ongoing service demand.

Most of us want to remain living at home and be independent for as long as possible and the Support at Home program is designed to do just that. This program replaced the Home Care Package and is the main way individuals could receive government aged care subsidies to remain at home for longer.

However, there is an incremental waiting list and demand for the eight levels of funding under Support at Home is continuing to exceed the places that are available. As a result, most people are relying on the less robust Commonwealth Home Support Program (CHSP) for subsidised help or they are paying for help privately.

Thankfully, the CHSP entry level aged care funding currently being used by about 850,000 Australians, which was to be wound up in July 2027, has been extended to July 2029 while the government determines how this program can continue to support the community in the longer-term.

For many, it remains a cheaper option for the limited services such as domestic help and social support that many people need to remain at home.

Navigating aged care is very complex and financial advice can help you or a family member understand your current financial position well before you need to access aged care. We can help to reduce stress on the family, so you can make a considered decisions to suit financial, lifestyle and care needs.
https://riwidebay.com.au/get-in-touch

Address

Level 1, 73 Main Street
Hervey Bay, QLD
4655

Opening Hours

Monday	8:30am - 5pm
Tuesday	8:30am - 5pm
Wednesday	8:30am - 5pm
Thursday	8:30am - 5pm
Friday	8:30am - 5pm

Telephone

+611800634378

Website

http://www.riwidebay.com.au/

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