Many older Australians are understandably eager to access their superannuation, but strict rules apply. For many Australians, superannuation will be their most significant source of long‑term savings. Yet, despite being a crucial part of the nation’s retirement income system since the introduction of compulsory super payments in the early 1990s, confusion still reigns for many … Read more
Investors can employ diversification strategies beyond just asset allocation The concept of diversification, not putting all your eggs in one basket, as a means of reducing risk has been an enduring investment concept. But investors and the financial advice industry often focus solely on diversification across asset classes within a portfolio. It’s important to broaden … Read more
Key points The oil supply shock remains a significant threat to economic growth and shares – particularly with the Strait of Hormuz remaining closed and global oil reserves running down. It’s contributing to rising bond yields and putting pressure on share market valuations. The tax changes in the Budget will make shares and super relatively … Read more
Find out how the new Payday Super Regulations will impact SMSFs when Payday Super starts from 1 July 2026. With the Payday Super Regulations starting from 1 July 2026, take the time to see how the changes will impact your SMSF. Contribution allocations: a closer look SMSFs will still have up to 28 calendar days after the … Read more
Volatility is how the return on an asset fluctuates over time. Using the share market as an example, volatility is often measured by changes in the price of a share. When the market is volatile, prices can rise or fall a lot in a short time. These movements mean the value of your investments can … Read more
If you need help at home, the Australian Government provides a range of care services. Where to start The first thing to do is think about what you need. You might want to stay in your own home but need some help with domestic chores. Or you might be ready to start looking at options … Read more
Key points – The key changes are a wind back in negative gearing, the taxation of real capital gains, numerous moves to reduce regulation, and modest net budget cuts over five years. – The projected deficits are now slightly lower over the budget period by around $45bn, mainly due to more windfall revenue. – With … Read more
Using publicly available, general-purpose artificial intelligence (AI) for money questions? Learn when it can help, and when you should get more information. If you’ve ever asked AI a money question, you’re not the only one. More Gen Z Australians (those born between around 1996 and 2010) are using AI tools alongside social media and online … Read more
Retiring well means making a series of decisions to ensure a financially secure post-work life. One practical step is to work out the income you need each week to survive and thrive when you stop working. If you are one of the many Australians still working and growing your super, knowing more about tailored retirement … Read more
There’s a particular kind of unease that creeps in when market headlines start mixing geopolitics with talk of oil prices and recessions. That feeling has been hard to avoid, as the escalating war in the Middle East spooked global markets and brought fresh uncertainty to an already fragile economic landscape. For investors, watching so many … Read more
Key points – The RBA hiked its cash rate for the third time this year by another 0.25% to 4.35% in response to inflation running above target and concerns that it will likely remain so for longer given price pressures partly flowing from the War with Iran, threatening higher inflation expectations. – The key lesson … Read more
Talk of a recession in Australia has picked up in recent weeks. Rising fuel prices, a sharp fall in consumer confidence, and signs of softer spending have all added to concerns the economy may be losing momentum. A recession is commonly defined as two consecutive quarters of negative economic growth. By that standard, Australia is … Read more
