Tips for choosing investments
All investments come with costs and, whilst these can’t be ignored, there are other key considerations to make when choosing the investment that’s right for you. These include aligning the …
Why understanding retirement mindsets can help deliver better outcomes
Retirement is often talked about as though it is a single life stage. Work ends, income changes and people settle into a slower pace of life. But new research from …
The three milestones that matter in retirement
Australia has no compulsory retirement age. While some occupations may have age based limits for safety reasons, you can generally stop working when you want to. The big question is, …
Do you know how your super is performing?
Many Australians don’t know how their super fund has performed or what it invests in. Are you one of them? Here’s what to check and why it matters. Do you …
Have your retirement goals changed
Retirement isn’t a fixed destination. What you want from retirement today may look very different from what you imagined a few years ago. Life has a habit of changing plans. …
Getting married
Making a commitment to share your life with another person is a significant milestone and there is a lot you can do to manage your money as a couple. Manage …
Estate planning in retirement – What you need to know
Why is estate planning important in retirement? When planning for retirement, many people focus on whether they have enough money to support their lifestyle. But another important question is: What …
Divorce and your super
Separating from a partner is one of the most significant changes many people experience. Alongside the emotional impact, there are often practical decisions to make about housing, finances and future …
Will I pay capital gains tax on my inheritance?
In Australia, special capital gains tax (CGT) rules apply to the transfer of assets from a deceased estate. The most common types of capital gains assets are property, shares and …
What would you do if you could retire tomorrow?
Not in ten years’ time. Not when you’ve finished paying off the mortgage. Tomorrow. For many of us, imagining retirement isn’t the hard part. Whether we’d feel ready for it …
How much super do I need to retire at 60?
Your approach to superannuation is likely to change as you near retirement. And while your own personal circumstances may influence how you approach super in your 60s, there are still …
Fake caller ID – how to know who’s really contacting you
Fake caller ID (also called caller ID spoofing) is a common technique that scammers can use to disguise their real phone number. It’s one of the ways they may try …
What is an investment platform?
You may have heard of investment platforms (or master trusts or wrap accounts, which are two types of investment platforms). An investment platform is an administrative system for your investments. …
The explosion of the Australian credit market
A reshaping of Australia’s financial landscape is underway, driven in large part by the Australian Prudential Regulation Authority’s (APRA) 2024 mandate to phase out bank hybrids by 2032. For decades, …
Investing for income
Share markets are renowned for taking unexpected downturns and while history shows that markets eventually recover, this rebound in value can occasionally take time. Investors concerned about this risk might …
Inflation vs your savings
Inflation is a slow force working against your financial goals. It can quietly erode the purchasing power of your money over time. While it’s tempting to see cash as a …
How to read and understand your super statement
Your super may be one of the biggest assets you’ll ever own – and for most of your working life, it works away in the background to grow your retirement …
Avoiding income tax bracket creep
You earn more money; you pay more tax. So far, so fair. But what’s not so fair happens when your wage rise bumps your earnings into a higher tax bracket, …