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Petrol vs electric: what the numbers actually look like

Petrol vs electric: what the numbers actually look like

by APS Benefits | Apr 30, 2026 | Financial Wellbeing

With petrol prices continuing to fluctuate, it’s no surprise more Australians are starting to seriously consider electric vehicles (EVs). What was once seen as a future trend is now very much part of today’s conversation. According to the Federal Chamber of...
6 estate planning mistakes that can lead to family disputes

6 estate planning mistakes that can lead to family disputes

by APS Benefits | Apr 28, 2026 | Legal Services

It’s something many people don’t like to think about, but it happens more often than you might expect.   Families fall into dispute after the loss of a loved one. Emotions run high, relationships become strained, and what should be a time of reflection can...
A better way to think about your finances at every stage of life

A better way to think about your finances at every stage of life

by APS Benefits | Apr 28, 2026 | Financial Planning

Financial planning isn’t a one-size-fits-all approach. What matters to you in your early working years will look very different to what matters later in life. The good news is that with the right support and a clear plan, you can feel confident at every stage, knowing...
The kindest financial decisions you can make for the people you love

The kindest financial decisions you can make for the people you love

by APS Benefits | Mar 24, 2026 | Financial Wellbeing

  When we think about acts of kindness, we often picture small everyday gestures. Helping a friend, supporting family, or simply being there when someone needs you. But some of the most meaningful acts of care happen quietly, long before they are ever needed....
The decisions that build financial confidence in every decade

The decisions that build financial confidence in every decade

by APS Benefits | Mar 6, 2026 | Financial Wellbeing

Life has a way of unfolding differently for all of us.   There are seasons of growth and excitement, and others that feel uncertain or overwhelming. Milestones arrive, sometimes carefully planned and sometimes completely unexpected. Through it all, your financial...
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Copyright © 2020. All rights reserved | ABN 64 077 846 809 | AFSL/Australian Credit Licence 244115 I APS Financial Planning Pty Ltd and its advisers are Authorised Representatives of Beryllium Advisers Pty Ltd ABN 30 646 510 769 AFSL 528250 I APS Savings Ltd ACN 150 630 694 | APS Savings Ltd AFSLN 405934 | APS Savings Ltd is the product issuer of APS Notes but is not licensed to provide general advice in relation to APS Notes or debentures generally. APS Notes is not a bank product. No independent assessment has been made about the risk of investing in APS Notes and there is a risk you may lose some or all of your money when investing with APS Savings Ltd. Any information about APS Notes is provided by APS Savings Ltd and has been prepared without taking into account your objectives, financial situation or needs. Applications for deposit notes can only be made on the Investment Application Form which accompanies the prospectus issued by APS Savings Ltd. Please read the prospectus carefully and consider the appropriateness of this information before deciding whether to make an investment.