Be cautious, first-timers urged

18 November 2013 Hello. In today's Money mail out, John Collett looks at financial stress which is rising, despite falling interest rates, David Potts runs his eye over the banks' hybrid plans, we look at the potentially lucrative field of investing in start-ups and Penny Pryor investigates the increasing worry that many of will outlive our pensions - and what plans the super industry has to service an increasingly long-lived population. Richard Hughes, Money editor Be cautious, first-timers urged With a threat of mortgage interest rate rises in the near future, home buyers are asked to tread carefully. Focus on retirement needed It is awful to think we could outlive our money, but for many of us it could turn out to be true. Key steps to finding an adviser One approach to building wealth is to have a financial planner: but how do you find one? Percentages up as banks go hybrid Rates for savers have stopped falling and the banks are even offering something on the side. Advertisement Tools & Guides Calculators • Stamp Duty Calculator • Term Deposit Calculator Comparisons • Compare Home Loans • Compare Savings Accounts Guides • Investing in shares smart guide • Investing in Property smart guide Deciding on pension or lump sum When deciding between a pension and a lump sum, only long-term thinking can guide you.   When opportunity knocks Investing in start-ups isn't for everyone, but if you take the risk and get it right there's plenty to be made. Design angels In the heart of the GFC, angel investors saw the potential in Alec Lynch's business. SMH Guide to Investing in Art - Free Collectors, experienced art investors and first time buyers, can gain useful, tips & make better-informed decisions Get BusinessDay on your iPhone! Get quick access to the latest news, share prices and charts when you are on the move. Download it FREE We've sent you this email because your email address kwacijowo@gmail.com has been registered for a Fairfax Media membership. You can unsubscribe from this email at any time. At Fairfax Media, we'll never ask for your personal or credit card information via email. If you receive a suspicious email claiming to offer Fairfax Media services in exchange for your details, please delete it. Our Sites: BusinessDay Small Business Executive Style AFR BRW Smart Investor Trading Room Copyright © 2013 Fairfax Media Privacy Policy Conditions of Use Unsubscribe