Love, life and money
Money is a big part of every relationship. It can bring people closer, or create tension over time. Whether you’re moving in together, getting married, or navigating a separation or divorce, how you handle your finances will have a lasting impact.
Big milestones often raise big financial questions.
You might be wondering:
“Should we combine finances or keep them separate?”
“How do I start investing again after a breakup?”
At Stockspot, we help Australians make calm, confident financial decisions during these key life moments. Whether you’re investing as a couple or rebuilding your finances after a separation, we give you the guidance to move forward with clarity.
When you’re combining or separating finances
Should we combine finances or stay separate?
Opening a joint investment account can be a great way to grow your wealth together. But before you combine anything, it’s important to have open conversations about goals, income and expectations. Make sure you’re both on the same page.
How do I rebuild after a separation or divorce?
Splitting up can be stressful enough without financial confusion. Starting fresh with your own investment portfolio can help you regain control and confidence. Rebuilding finances after separation is easier with a plan in place.
How to set yourself up for success
Talk honestly about money
If you’re moving in or splitting up, start with a clear conversation about income, spending, debts and goals. Transparency builds trust. And it helps avoid misunderstandings down the track.
Know the legal side
Even if you’re not married, long-term relationships can carry financial obligations. If you’ve made joint purchases or lived together for a while, there may be shared responsibilities to untangle.
Consider a flexible setup
Many couples use a mix of ‘yours, mine and ours’ to manage money. It keeps autonomy while making it easier to share bills or save together. If you’re separating, aim for clean splits and a clear paper trail, especially for shared investments.
Make smarter financial decisions
Set clear goals
Agree on what matters. For couples, it might be saving for a home or a baby. If you’re investing after divorce, your goals could include building a rainy day fund or buying your own property. Knowing your ‘why’ makes planning easier.
Automate what you can
Set up automatic payments into a savings or investment account. It removes the stress of managing cash flow and helps you stick to the plan, whether you’re investing as a couple or on your own.
Protect what you’ve built
Couples might want a cohabitation agreement or a binding financial agreement. If you’re separating, don’t rush to sell or split investments without advice. You could trigger tax events or sell at the wrong time.
Why couples and individuals trust Stockspot
Whether you’re combining your finances or starting over, Stockspot helps you invest in a smarter way.
Our approach is simple. We build low-fee, diversified portfolios using ETFs. These portfolios give you exposure to local and global shares, bonds and other assets. You get a mix that suits your risk level and goals, with none of the stress of stock picking.
We help couples invest jointly, and we support individuals investing after a divorce or breakup. Our portfolios grow with you as life changes.
Unlike many financial services, we don’t believe in complexity or hidden fees. Our philosophy is based on decades of evidence that simple, low-cost investing outperforms in the long run.
How we support you through life’s milestones
Book a free, no-pressure consultation with a Stockspot adviser. We’ll help you:
- Invest as a couple or create a joint investment account
- Start investing again after divorce or separation
- Match your portfolio to your values (like sustainable investing)
- Keep costs low so more of your money stays invested
- Automate top-ups and rebalancing so you don’t need to time the market
- Make informed decisions without pressure or judgment
Whether you’re building wealth together or regaining independence, we’ll help you invest with purpose and confidence.
Take the next step with Stockspot
Life changes. Your finances can keep up.
Stockspot supports Australians at every stage, from starting a life together to finding stability after a split. If you’re ready to take control of your financial future, we’re here to help.
About Stockspot
Stockspot is Australia’s largest online investment adviser, trusted by over 16,000 Australians. We offer smart, low-cost portfolios designed to grow wealth simply. Whether you’re investing as a couple or starting fresh after a divorce, our evidence-based approach helps you invest with clarity and confidence.
Find out about our portfolio performance here.
