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Hi and welcome to the Quantum Financial blog. We share our thoughts on issues we are passionate about including financial planning, Self Managed Super Funds (SMSF), independent financial advice, retirement planning and investment insights.

What Star Wars teaches us about finance

By |April 24th, 2017|

“Your Jedi mind tricks don’t work on me, only money.” Watto

A long time ago in the 1970s many of us lived through the excitement of […]

Count down to super changes

By |April 21st, 2017|

The new superannuation rules commence on 1 July. We have dedicated significant time and effort in analysing how the changes impact each of our wonderful clients. […]

Is it ever too early or too late to plan for your retirement?

By |April 18th, 2017|

In this NestEgg podcast, Claire Mackay discusses why it’s never too early or too late to plan for your retirement. […]

Super changes you need to know

By |March 13th, 2017|

Everyone is talking about superannuation.

[…]

Your aged care options

By |March 13th, 2017|

At Quantum Financial we believe planning ahead for your finances is incredibly important as you age.  […]

Is inflation on the horizon again?

By |March 13th, 2017|

One of the key economic indicators we are keeping a keen eye on in 2017 and into 2018 is the potential return of inflation. […]

Voice Computing

By |January 25th, 2017|

In late 2016 and early 2017, Quantum Financial’s Tim Mackay travelled to Seattle, one of the largest US tech hubs after Silicon Valley.  […]

Amazon is coming

By |January 25th, 2017|

Amazon is ubiquitous in Seattle.  Amazon lockers (where you can pick up Amazon deliveries instead of having them delivered to your home or office) are common outside supermarkets. […]

We advocate Algorithm Accountability

By |January 25th, 2017|

Regular readers of our Investing Insights reports will know that we are fascinated by developments in technology that we think are likely to impact our financial lives and our lives more generally.
[…]

Progress on super changes

By |November 8th, 2016|

After a period of great uncertainty, in recent weeks the Federal Government has finally released the details of its planned changes to the superannuation rules. […]

Eye on the USA

By |November 8th, 2016|

As we all now know, on November 8, 2016 Donald Trump became US President-elect. He will assume office at his inauguration on January 20, 2017.

[…]

Quantum Financial Quiz #14: US election trivia

By |November 8th, 2016|

With the USA electing its 45th  President, test your US election knowledge with our quiz.

 

Q1. Only 1 US President has been elected President 4 times. […]

Quantum Financial is moving office

By |November 8th, 2016|

Exciting news! Due to the support of our wonderful clients, we’re growing & moving our office.

“Same level of quality service, a different office”

According to Bill Mackay, […]

Kochie & Claire discuss divorce & Brangelina

By |October 14th, 2016|

David Koch chats to Claire Mackay about the financial fallout from Brangelina and how to manage a divorce. […]

Kochie & Claire discuss changes to super

By |September 22nd, 2016|

David Koch chats to Claire Mackay about the new rules in superannuation. […]

Claire discusses housing affordability (ABC Radio)

By |September 22nd, 2016|

On ABC Radio 2BL James Valentine chats to Claire Mackay, Peter Switzer & John Daly on housing affordability. […]

New new Super reforms – what do you need to know?

By |September 15th, 2016|

“So this is the way the super reforms end, not with a bang but a whimper” (with apologies to TS Elliot) […]

Client update on Brexit

By |July 5th, 2016|

We provide our updated research and analysis for clients post the UK Brexit vote.  […]

Client update on the election, markets and your super

By |July 5th, 2016|

We provide our updated research and analysis for clients post the 2016 Australian election.  […]

Advice for our jet setting retiree clients

By |June 17th, 2016|

We summarise the key issues for our jet-setting retiree clients following the material super changes announced in Budget 2016.  […]

Advice for our pre-retiree clients

By |June 17th, 2016|

We summarise the key issues for our clients in their mid 50s to mid 60s following the material super changes announced in Budget 2016.  […]

Advice for our turbo charger clients

By |June 17th, 2016|

We summarise the key issues for our clients in their mid 40s to mid 50s following the material super changes announced in Budget 2016.  […]

Uncertainty around the super changes

By |June 16th, 2016|

Here we outline the 4 key uncertainties around the super changes proposed by the Government.  […]

The orange one

By |June 16th, 2016|

The possible election of Donald Trump could have a significant impact on markets.
[…]

Quantum Financial Quiz #13: EU trivia

By |June 16th, 2016|

As the UK contemplates Brexit, test your European Union knowledge with our quiz. […]

How to reform finanicial planning

By |June 9th, 2016|

In 2009 Quantum Financial was one of the very few independent financial planning practices in Australia asked to appear as expert witnesses before a Joint Parliamentary Committee. […]

Changing gears in Europe

By |June 6th, 2016|

Our recommendation – Changing gear in Europe. This is our revised Investing Insights advice for clients based on the ongoing Brexit issue.  […]

Who is The Independent Financial Advisor?

By |June 1st, 2016|

It’s an intriguing mystery! Just who in Australia is The Independent Financial Advisor? […]

Claire Mackay appointed to APESB Board

By |May 26th, 2016|

Award-winning independent financial advisor Claire Mackay appointed to the Accounting Professional & Ethical Standards Board (APESB).

[…]

Live within your means: budget brilliantly

By |May 17th, 2016|

A recent article in the Sydney Morning Herald Money section titled ‘Live within your means: budget brilliantly’ highlighted Claire Mackay’s views on the topic.

[…]

Why ‘the bank of Mum and Dad’ isn’t helping anyone

By |May 17th, 2016|

A recent Daily Life article discusses the trend for parents to continue to give money to their offspring well into adulthood.

[…]

How to protect your retirement?

By |May 17th, 2016|

A recent ABC article explains what low interest rates really mean for retirees and savers.

[…]

Here’s how much money is at stake in the super changes

By |May 15th, 2016|

A recent article in Business Insider shared Quantum Financial’s detailed research into the superannuation changes in Budget 2016.

[…]

Our views on Budget 2016 (ABC TV)

By |May 15th, 2016|

Independent financial planner Claire Mackay shares her views on Budget 2016 on ABC TV.
[…]

UPDATED Budget 2016 Survival Guide

By |May 13th, 2016|

Welcome to the UPDATED version of our Investing Insights Report special 2016 Federal Budget edition. […]

Our election outlook (or why elections don’t matter)

By |May 7th, 2016|

The July 2 Australian Federal election will be of great interest to many of our clients. In truth, in the same way the country appears split down the middle 50/50 between Mr Shorten and Mr Turnbull, so too are Quantum Financial clients. […]

What wealthy people need to do because of Budget 2016

By |May 6th, 2016|

Budget 2016 was the night the superannuation world shifted on its axis. Everything changed. […]

David Koch leads expert Budget panel

By |May 5th, 2016|

In the wake of the super changes in Budget 2016, Claire Mackay shared her views with Telegraph (Sydney), Advertiser (Adelaide), Courier Mail (Brisbane) and Herald Sun (Melbourne) readers. […]

Budget 2016 Survival Guide

By |May 4th, 2016|

Welcome to our Investing Insights Report special 2016 Federal Budget edition. […]

The Budget that killed SMSF growth

By |May 4th, 2016|

Cluedo, the great detective game: “I think it was Mr Morrison in the billiard room with the Budget” […]

Quantum Financial Quiz #12: Budget Trivia

By |May 4th, 2016|

Test your Budget knowledge with our Budget 2016 quiz. […]

Top 10 hidden Budget secrets

By |May 3rd, 2016|

We broke into the lock up and delved through the budget papers to bring you the changes that the politicians don’t want you to know. […]

Claire chats with Libby and David Koch

By |April 29th, 2016|

Claire Mackay chats with David and Libby Koch about all things financial. […]

How to best prepare for Budget 2016

By |April 15th, 2016|

Tim Mackay shared his views on how savvy investors should best prepare for Budget 2016 in SMSF Adviser Magazine.

[…]

Lessons on running a successful business

By |March 24th, 2016|

In 2016 Quantum Financial directors Tim Mackay and Claire Mackay were honoured to be asked by the Australian Institute of Company Directors to present at […]

Our advice to clients right now

By |March 24th, 2016|

10 years ago when I was a research analyst periods of market volatility were absolute hell. The phone would ring red hot with fund manager […]

Quantum Financial Quiz #11: Share markets

By |March 22nd, 2016|

We love finance and we love trivia. You can test your finance trivia knowledge with the following questions. […]

Quantum Financial Quiz #10: Insure that risk!

By |February 1st, 2016|

We love finance and we love trivia. You can test your finance trivia knowledge with the following questions. […]

Fintech – P2P (peer to peer) lending

By |January 25th, 2016|

In much the same way Uber has disrupted the taxi industry and Airbnb the hotel industry, expect FinTech (financial technology) to start to disrupt the finance industry in 2016.   […]

What is Blockchain?

By |January 24th, 2016|

Blockchain is quite a complicated topic so let us break it down for you. […]

Quantum Financial Quiz #9: Movie stars and finance

By |January 1st, 2016|

We love finance and we love trivia. You can test your finance trivia knowledge with the following questions. […]

Take a Razor to your SMSF

By |December 16th, 2015|

INVESTING INSIGHT: Getting rid of unnecessary complexities from your SMSF can be very rewarding. […]

Quantum Financial Quiz #8: Break the bank

By |December 1st, 2015|

We love finance and we love trivia. You can test your finance trivia knowledge with the following questions. […]

Time to fire your advisor?

By |November 25th, 2015|

Disposing of the services of a financial advisor shouldn’t be done after one or two bad patches, but if there is a reason to part ways, then the quickest way is best.

[…]

A rough guide to establishing an SMSF

By |November 25th, 2015|

Last month we introduced self managed super funds (SMSFs), the fastest growing area of super. […]

Financial planning, with integrity

By |November 25th, 2015|

Financial planning requires attention to detail and a structured plan. […]

Will you outlive your money?

By |November 25th, 2015|

It is never too early to plan retirement, because gambling with your future is not to be advised. […]

The best investment strategy

By |November 25th, 2015|

Rather than hoping all your investments outperform the market, there is another approach that can help maintain an upward trajectory for your bottom line.

[…]

Financial lessons from the Olympic Games

By |November 25th, 2015|

For many, the Olympics is a fun and welcome distraction from the ongoing economic uncertainty. With the saturation media coverage, it’s difficult not to be moved and inspired by epic stories of success and near miss. […]

Give investing a try

By |November 25th, 2015|

Although you may find it hard to believe, there are many things that make for both a great tactical rugby game plan, and a great investment strategy. […]

Children and money

By |November 25th, 2015|

Now might be a good time to think about how and what your children will learn from your financial behaviour. […]

How to manage the financial fallout from a divorce or separation

By |November 25th, 2015|

How do you manage the financial fallout of heartbreak? […]

The ethics of the Wolf of Wall Street

By |November 25th, 2015|

Tim Mackay takes aim at Hollywood’s portrayal of someone who destroyed lives, yet is being celebrated through the medium of film.  […]

Transition to retirement

By |November 25th, 2015|

Those heading towards their retirement should take stock of where they are today, and where they want to be at retirement. […]

Understanding the impact of inflation

By |November 25th, 2015|

When economists raise the topic of inflation today, most people’s eyes glaze over and their minds shift to their ‘happy place’. But knowledge is power.

[…]

Who needs insurance – Marge Simpson or Batman?

By |November 25th, 2015|

Discussing life insurance requirements may not be a comfortable conversation, but it’s essential if you want to look after people who depend on you.

[…]

How much do you need to retire?

By |November 25th, 2015|

It is never too early to plan retirement, because gambling with your future is not to be advised.

[…]

Pre-June 30 super health check

By |November 25th, 2015|

You regularly book your car for a service and have a dental check up. You regularly optimise your tax and review your family’s health insurance. Yet how often do you check your super?

[…]

The lure of bricks and mortar

By |November 25th, 2015|

The attraction of owning property is clear – you can touch it, you can see it and you have the peace of mind that it will be there tomorrow and the day after.

[…]

The myths of investing

By |November 25th, 2015|

To ensure that you are doing justice to your many years of hard work, it is crucial that you critically evaluate the conventional wisdom around managing your personal finances.

[…]

Planning For An Empty Nest

By |November 25th, 2015|

When children move out of home, it can be like winning the lottery. You should put thought into how best to deal with this newfound cashflow.

[…]

Planning for aged care

By |November 25th, 2015|

Aged care is expensive and, with so many Australians living longer, the demand for facilities will only become more competitive. Plan early and you can help ease the transition for you or your family.

[…]

Committing plans to paper

By |November 25th, 2015|

All the best intentions in the world will not help you navigate treacherous financial waters if you don’t have a detailed plan, and one that’s written down.

[…]

The ingredients of a winning portfolio

By |November 25th, 2015|

The similarities between developing a successful portfolio of investments and creating a successful restaurant dish are, strangely enough, pretty striking.

[…]

Get your house in order

By |November 25th, 2015|

It’s surprisingly common for family disputes over wealth to erupt after someone dies. But there are pre-emptive steps you can take to avoid this.

[…]

Two simple keys to keeping a lid on spending

By |November 5th, 2015|

Independent financial planner Claire Mackay shares her views with the Sydney Morning Herald’s Sally Pattern on how to keep a lid on your spending.

[…]

SMSFs on borrowed time? (ABC TV)

By |November 4th, 2015|

Independent financial planner Claire Mackay and the Financial Services Inquiry Chair David Murray discusses Limited Recourse Borrowing Arrangements on ABC TV.
[…]

Claire Mackay chats with David Koch

By |November 2nd, 2015|

Six months ago, David Koch and independent financial planner Claire Mackay discussed confidence in the Australian economy. […]

Quantum Financial Quiz #7: Brother can you spare me a dime

By |November 1st, 2015|

We love finance and we love trivia. You can test your finance trivia knowledge with the following questions. […]

Women and financial services

By |October 30th, 2015|

Independent financial planner Claire Mackay discusses women and finance on SBS TV program The Feed. […]

Why I love financial planning

By |October 29th, 2015|

Independent financial planner Claire Mackay shares insights about her role as a trusted financial planner. […]

Getting the right financial advice

By |October 28th, 2015|

Moira Geddes from News Corp chats with independent financial planner Claire Mackay about getting the right financial advice. […]

Top 10 Financial Planner Sydney | Independent Financial Advisor

By |October 27th, 2015|

Claire Mackay has been recognised as one of the Top 10 Financial Planner Claire Mackay.
[…]

Why financial services is geared towards men

By |October 25th, 2015|

Independent financial planner Claire Mackay appeared on ABC TV’s finance program, The Business Quarter, discussing why financial services is geared towards men.
[…]

Super: Not so super?

By |October 24th, 2015|

“Nobody told me there’d be days like these. Strange days indeed – most peculiar mama” John Lennon

[…]

What should you do with dividend payments?

By |October 24th, 2015|

Every 6 months investors are faced with an important decision regarding their dividend payments – should they re-invest them or use the cash proceeds for […]

QF finance quiz #9 ‘Movie stars and finance’

By |October 24th, 2015|

We love finance and we love trivia. This is part 9 in our ongoing financial trivia series. […]

The 6 biggest financial mistakes people make in their 40s

By |October 23rd, 2015|

If our 30s are all about the 3Ms — Marriage, Mortgage and Midgets — then our 40s are all about creating our financial freedom. (This article by Claire Mackay was first published on Business Insider)

[…]

Quantum Financial Quiz #6: Blue chips

By |October 22nd, 2015|

We love finance and we love trivia. You can test your finance trivia knowledge with the following questions. […]

Should you invest internationally?

By |October 21st, 2015|

Quantum Financial’s Claire Mackay discusses what you should consider before investing internationally. […]

Financial planners fighting for consumers

By |October 20th, 2015|

Claire appeared on ABC TV’s flagship current affairs program, 7:30, fighting for reforms in financial planning. […]

The 6 biggest financial mistakes people make in their 30s

By |October 20th, 2015|

In our 30s many of us finally have real world experience under our belts — we’ve tried some things, failed at some and succeeded at others. (This article by Claire was first published on Business Insider)
[…]

Avoid property spruikers in your SMSF

By |October 19th, 2015|

Quantum Financial’s Claire Mackay discusses how to avoid property spruikers when investing in your Self Managed Super Fund. […]

Putting your finances back on track after a divorce

By |October 18th, 2015|

Quantum Financial’s Claire Mackay discusses how to put your finances back on track after a divorce. […]

Choosing a financial planner

By |October 17th, 2015|

Finance expert Maureen Jordan and independent financial planner Claire Mackay discuss how you should choose a financial planner. […]

The 6 biggest financial mistakes people make in their 20s

By |October 10th, 2015|

Our 20s can be incredibly exciting: we get paid for the first time, we start our careers, we fall in and out of love. (This article by Claire was first published on Business Insider)

[…]

An Australian financial planner ranks your debts from the most to least urgent

By |October 5th, 2015|

Being debt free is a goal few manage to achieve. Or at least quickly.

(Note: This article by Claire was first published on Business Insider)

[…]

What are the characteristics of a leader in financial planning?

By |October 2nd, 2015|

What are the key characteristics of a leader in financial planning? Claire Mackay shares her views. […]

Financial planners I admire

By |September 15th, 2015|

In our experience, there are many trusted and respected members of the Australian financial planning community. Claire Mackay shares her views. […]

Quantum Financial Quiz #5: Mama mia

By |September 1st, 2015|

We love finance and we love trivia. You can test your finance trivia knowledge with the following questions. […]

Quantum Financial Quiz #4: All that glitters

By |August 1st, 2015|

We love finance and we love trivia. You can test your finance trivia knowledge with the following questions. […]

Who needs insurance – Marge Simpson or Batman?

By |July 22nd, 2015|

Discussing life insurance requirements may not be a comfortable conversation, but it’s essential if you want to look after people who depend on you. Few […]

Quantum Financial Quiz #2: Money, money, money

By |July 1st, 2015|

We love finance and we love trivia. You can test your finance trivia knowledge with the following questions. […]

Quantum Financial Quiz #3: What’s in a name?

By |July 1st, 2015|

We love finance and we love trivia. You can test your finance trivia knowledge with the following questions. […]

Patrol of the year – Manly Surf Live Saving Club

By |June 19th, 2015|

Claire is incredibly proud that her Patrol #2 at Manly Surf Life Saving Club was named Patrol of the Year in 2015. […]

Financially counselling returning soldiers from Iran and Afghanistan

By |June 19th, 2015|

Quantum Financial professional staff volunteer their time and skills for a number of worthy causes. The Australian Defence Force is one such cause.  […]

International Women’s Day panel

By |June 18th, 2015|

Quantum Financial proudly supports International Women’s Day.  […]

ASIC Annual Forum 2015

By |June 18th, 2015|

In March 2015, Claire Mackay was honoured to appear on a panel session titled ‘Vertical Integration – Friend or Foe’ at the ASIC Annual Forum at the Hilton Hotel in Sydney. […]

Quantum Financial Quiz #1: Coins in your pocket

By |May 1st, 2015|

We love finance and we love trivia. You can test your finance trivia knowledge with the following questions. […]

Advanced SMSF strategies

By |March 25th, 2015|

The final instalment of Tim Mackay’s comprehensive guide to the booming SMSF market.

[…]

Guarantors On Home Loans

By |March 23rd, 2015|

Claire Mackay on David Koch’s Business Builder / Yahoo Finance. […]

Getting financial advice

By |February 23rd, 2015|

Quantum Financial advisor, Claire Mackay talks to Daniella Doughan about getting independent financial advice on David Koch’s Business Builder / Yahoo Finance. […]

The noble profession of financial planning

By |February 14th, 2015|

We are financial planners and it is something of which we are immensely proud. […]

Sex and Warren Buffett

By |January 25th, 2015|

For finance tragics like me, the annual release of Warren Buffet’s shareholder letter is an exciting event.

[…]

Tesla: Investing in disruption

By |January 24th, 2015|

Investing Insight: Investing in disruption sounds attractive but investing successfully and consistently is difficult. Sometimes avoiding losers in industries that are disrupted can be just as important (and far easier) than picking winners. […]

Getting started in Self Managed Super Funds

By |January 23rd, 2015|

Daniella Doughan chats to independent financial planner Claire Mackay from Quantum Financial about getting started in self-managed super funds (SMSF) on David Koch’s Business Builder / Yahoo Finance. […]

Robo-advice The great financial disruption is coming

By |January 24th, 2014|

We share this thought piece with clients and friends of Quantum Financial. Quantum Financial is an award winning practice at the forefront of Australian financial planning. […]

World bites on Bitcoins

By |January 24th, 2014|

Let’s be honest:  While we are fascinated by the notion of an internet based currency (an iCurrency to go with our iPads, iPhones, etc), we view it as a bubble just waiting to burst.

[…]

Clients we work best with

By |February 24th, 2013|

While Quantum Financial’s clients come from various, exciting backgrounds, the ones we work best with share common traits.

[…]

Note the name Alibaba

By |January 24th, 2013|

Not the medieval Arabic character with his 40 thieves but a Chinese online giant that you likely have never heard of.

Alibaba is a gigantic cross […]

How to make the magic $1 million in super to fund your retirement

By |January 7th, 2013|

Investing surplus cash into superannuation, borrowing to invest and paying off the family home are the top strategies from advisers on how to hit the magic $1 million savings target for retirement. […]

Property investing in your SMSF

By |January 5th, 2013|

Quantum Financial’s Claire Mackay discusses the role of property investing in your SMSF. […]