ClearGauge WEALTH

Independent thinking, explained

The Financial Library.

Clear explanations of the decisions that affect your money, retirement and family. Start with a question or browse a topic.

Financial terms explained

62 questions · 6 topicsView every question

New in the Library

Practical guides for your next financial decision

  1. 01

    How should couples plan for retirement and the surviving partner?

  2. 02

    How should you budget for healthcare and long term care in retirement?

  3. 03

    What should you prepare in the year before retirement?

  4. 04

    What should you check before buying into a retirement village?

  5. 05

    How can you fund early retirement before pension income starts?

  6. 06

    Can rental property provide reliable retirement income?

  7. 07

    How do you calculate the total cost of your investments?

  8. 08

    How do you create a financial map your family can use?

  9. 09

    Should you keep your home, downsize or rent in retirement?

  10. 10

    How can you protect retirement savings during a career break?

  11. 11

    How can you check whether an investment offer is a scam?

Three decisions worth understanding

Retirement

How much do you need to retire?

Read the explanation

Choosing an adviser

What should financial advice cost?

Read the explanation

Financial planning

Pay off your home loan or invest?

Read the explanation

Explore by topic

01 / 17 questions

Retirement

Make a considered plan for the income, flexibility and security you need in retirement.

All 17 questions

02 / 16 questions

Investing

Understand how investments work together, from offshore exposure to the risks of a concentrated portfolio.

All 16 questions

03 / 8 questions

Financial planning

Connect the decisions about your investments, home, family and future responsibilities.

All 8 questions

04 / 9 questions

Tax & estate planning

Understand the questions to raise about ownership, tax, inheritance and the money your estate may need.

All 9 questions

05 / 4 questions

Behaviour & decisions

Think clearly about underperformance, market news and the difficult decisions that come with investing.

All 4 questions

06 / 8 questions

Choosing a financial adviser

Know what to ask, what you should receive and how to judge the relationship before making a commitment.

All 8 questions

Planning tools

Put the numbers into perspective.

Use these tools to explore the ideas in the Library with your own assumptions.

Retirement Planning Calculators

Explore the relationship between retirement capital, gross income and the saving needed to close a funding gap.

Explore retirement calculators

Estate Liquidity Snapshot

Compare the funds available to your estate with estimated cash obligations, and identify questions that need closer attention.

Explore estate liquidity

Debt Repayment Calculator

Compare repayment strategies, see what extra monthly payments could change, and check promotional rates and balloon-payment deadlines.

Explore your repayment plan

Educational illustrations using simplified assumptions. These tools do not provide personalised financial advice.

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A structured collection of principles and practical explanations designed to help you evaluate advice, understand your financial position and make better financial decisions.

Your own financial decisions

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