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Centra Wealth Group - The centre of your financial wellbeing CENTRA WEALTH Group is a financial advisory and investment management business that will help you CREATE, GROW, MANAGE and PROTECT your Wealth.

The CENTRA WEALTH Group is a financial services business that can help you to CREATE, GROW, MANAGE and PROTECT your Wealth.

13/10/2026

Life rarely stands still. A new home, a growing family, a career change or the transition to retirement can all have a significant impact on your insurance needs.

Yet insurance is often one of those financial arrangements that gets filed away and forgotten. Over time, that can leave you underinsured, paying for cover you no longer need, or relying on arrangements that no longer reflect your circumstances.

That's why it's worth checking your insurance annually to make sure it still fits your life.

When life changes, check your cover

Many people take out insurance and then rarely look at it again. But the amount of cover that was appropriate five or ten years ago may not be suitable today.

12/10/2026

When people think about building wealth, the focus usually turns immediately to investment strategies.

Which shares to buy? Should I purchase another property? Is now the right time to invest?

These questions dominate the conversation.

Yet the most important contributor to long-term financial success is not investment selection.

It is cash flow and debt management.

The way you earn, spend, save, and structure your debt has a far greater influence on your long-term position than any single investment decision.

Investments determine how your capital grows.

Cash flow determines how much capital you have available to put to work.

This blog, which is the fourth and final in the Wealth First Principles series, sets out a practical framework for managing cash flow and debt in a way that supports reliable, sustainable wealth creation.

We've all experienced it. You finish a meal, and within a short time your stomach feels tight, heavy, or uncomfortably f...
11/10/2026

We've all experienced it. You finish a meal, and within a short time your stomach feels tight, heavy, or uncomfortably full. Your clothes suddenly seem tighter, and even simple activities can feel less enjoyable. Occasional bloating is incredibly common and can happen after overeating, eating too quickly, consuming gas-producing foods, or experiencing temporary digestive changes.

While persistent or severe bloating should always be evaluated by a healthcare professional, occasional bloating can often be managed with simple dietary habits. One surprisingly effective addition to a balanced diet is seeds. Although tiny in size, many seeds are packed with fiber, healthy fats, antioxidants, and plant compounds that support healthy digestion and gut function.

Not every seed works the same way, but several have traditionally been used to ease digestive discomfort and may help reduce bloating when combined with healthy eating habits.

It’s easy to picture the open road when you step inside a gleaming new caravan, but before signing anything there are so...
10/10/2026

It’s easy to picture the open road when you step inside a gleaming new caravan, but before signing anything there are some decidedly practical questions worth asking.

There’s something about stepping inside a caravan that can make the imagination run away with you. The bed looks comfortable, there’s more kitchen space than you expected and, before long, you’re picturing breakfast beside a beach somewhere warm and wondering how many weeks it would take to drive around Australia.

Dreaming is part of the fun, but buying the right caravan requires a little more homework.

Here are seven things worth considering before you say yes, from the weight you’ll actually be towing to the layout you’ll live with and the bills that continue after you leave the dealership.

1. Know what the caravan really weighs

This is one area where Starts at 60 motoring expert and columnist Paul Gover believes buyers can get themselves into trouble.

Capital city home prices have continued to fall over September although the rate of decline has eased in most capitals c...
09/10/2026

Capital city home prices have continued to fall over September although the rate of decline has eased in most capitals compared to August results.

The national capital city median house price fell by 1.0% over the September quarter to $1,212,850 compared to the August quarter, according to the latest data from My Housing Market.

The September result was the fifth consecutive decline in national house prices but an improvement over the 1.8% fall reported over the previous month.

Annual national house prices are now lower by 1.7% with annual house price growth down sharply this year since the March peak of 10.9%.

All capitals reported lower house prices over the month with Hobart falling 0.2%, Melbourne down 0.3%, Brisbane lower by 0.7%, Adelaide falling 0.9%, Darwin lower by 1.0%, Sydney falling 1.5% with Canberra and Perth each down 1.7%.

Retiring comfortably isn’t just about how much you’ve saved; it’s about making sure that your money keeps working long a...
08/10/2026

Retiring comfortably isn’t just about how much you’ve saved; it’s about making sure that your money keeps working long after you stop working. Yet knowing how to invest and spend your money – without running out of it – is something far fewer people plan for.

Plan for a rainy day

We’re experiencing a period of economic volatility at the moment and it’s making people understandably nervous. While you can’t control what markets are doing, you can control your exposure to them. Keeping some of your retirement savings in safe assets like cash, term deposits, bonds and other defensive holdings isn’t going to generate big returns. They’re essentially a financial buffer for the inevitable storms that markets throw your way so you can cover everyday living expenses and maintain your retirement plans without having to make decisions under pressure, including selling growth assets like shares at bad times.

Spread your risk

Diversification goes hand in hand with that rainy-day thinking.

What’s behind the rise in Treasury yields?Bond markets continue to adjust to a more hawkish policy environment following...
07/10/2026

What’s behind the rise in Treasury yields?

Bond markets continue to adjust to a more hawkish policy environment following the Federal Reserve’s recent 25-basis-point rate hike.

Since July, the two-year Treasury yield has risen from roughly 4.2% to 4.9%, while the 10-year yield has climbed from around 4.4% to 5.1%. The broad move higher suggests investors are reassessing both the level and potential persistence of elevated policy rates.

Our Co-Head of Global Fixed Income Riti Samanta sees several forces behind the rise, including tighter monetary policy expectations, uncertainty around inflation and the extraordinary scale of AI-related investment. One increasingly prominent question is whether the financing required for data centers, computing capacity, energy and other AI infrastructure is competing directly with Treasury issuance and pushing government borrowing costs higher. The answer is more nuanced.

It is the question sitting behind every premium notice. Once the pay packet stops, does private health insurance still e...
06/10/2026

It is the question sitting behind every premium notice. Once the pay packet stops, does private health insurance still earn its place in the household budget?

Ask a room of over-60s whether private health insurance is worth the money and you will get a fiercely divided response — and both sides will have a story to back it up.

One person has held cover for 40 years, barely claimed and calculates they have paid tens of thousands of dollars for very little return. Another needed a hip replacement, chose their specialist and had surgery without a long wait. They would not dream of giving it up.

Both experiences are real, but neither answers the question for you.

That is what makes the decision difficult in retirement. The calculation changes when wages stop, household income falls and health care starts taking up a bigger part of the picture.

So forget the sales pitch for a moment. Let’s look at the maths.

Card changes: Surcharges are going, but now is the time to check your credit card fees, rewards and insurance benefits.T...
05/10/2026

Card changes: Surcharges are going, but now is the time to check your credit card fees, rewards and insurance benefits.

That annoying little extra charge at the EFTPOS terminal is about to largely disappear. From October 1, Australians paying by eftpos, Visa or Mastercard will no longer be slugged a separate card surcharge.

American Express and UnionPay are also removing surcharging from the same date, while PayPal follows from October 5.

For consumers, it sounds like a straightforward win, but it could be worth pulling your credit card out of your wallet and checking exactly what you’re getting for the annual fee.

Some of Australia’s biggest banks are changing rewards programs, card benefits, insurance and fees as sweeping Reserve Bank reforms reshape the economics of credit cards.

What changes on October 1?

The Reserve Bank reforms will allow card networks to ban merchants from imposing a separate surcharge simply because someone pays by card.

Electric cars have passed a major milestone in Australia, outselling petrol vehicles for the first time in a single mont...
04/10/2026

Electric cars have passed a major milestone in Australia, outselling petrol vehicles for the first time in a single month. But for drivers thinking about making the switch, there’s still one important question to answer. Scott Podmore and Paul Gover report.

It has finally happened.

Electric vehicles have outsold petrol cars in Australia for the first time, marking a major shift in a market dominated by petrol for generations.

New figures for August show 27,078 battery-electric vehicles were delivered across Australia, accounting for 24.9 per cent of the new-vehicle market.

That put them ahead of petrol vehicles, with 25,824 deliveries and a 23.7 per cent share, as well as diesel vehicles on 23,608.

The change has been remarkably quick. Battery-electric vehicles accounted for just 9.6 per cent of the market in August last year.

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