Buying a house is exciting and life changing. It all starts with saving for the deposit. Find out how much you’ll need to save and get tips to help you save faster. 1. Find out how much you need for a house deposit Before you start building a deposit, work out how much you can … Read more
For many, the goal of investing is about creating wealth for a comfortable financial future, as well as a legacy that supports your children and grandchildren for decades to come. But one of the greatest risks to that legacy can be the challenge of dealing with sudden wealth. When adult children inherit large sums or … Read more
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
Retirement is an opportunity to assess where you live and how you want to live. Questions to help you decide where to live Retirement may be a time to think about whether you want to stay where you are, downsize or move into a retirement home. Your children may have moved out, and the family … 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
The Reserve Bank of Australia (RBA) is pushing to take card surcharges off the table as early as October 2026, in a move that could impact small businesses that currently pass the fees on to customers. The announcement follows a review by the RBA of merchant card payment costs and is part of a shakeup … Read more
Around 70 per cent of small businesses are family enterprises. That is a powerful reminder of how much trust, shared values and long-term commitment drives the small business sector. Family businesses often benefit from loyalty, resilience and a strong sense of purpose. At the same time, mixing family and business can be complicated. Personal history, … Read more
Every few months, someone in the superannuation industry declares that Australians now “need” around A$1 million to retire comfortably. It’s a big, scary number. But consumer advocates say most people can retire with far less. Independent estimates suggest something closer to $322,000 is enough for many retirees who own their own home. So who’s right … Read more
Start your retirement financial plan early Don’t wait until you’re getting close to retirement to start your plan. You have a greater chance of a comfortable retirement if you make your plan a priority early in your working life. A critical part of your retirement plan is superannuation, especially if home ownership is going to … Read more
How to check for lost member super accounts. What is lost super Lost member super accounts are reported to the ATO by super funds. This happens where the member is either: uncontactable – your fund has lost contact with you and your account hasn’t received a contribution or rollover for 12 months. Changing your name, address … Read more
Older Australians could face health insurance price rises three times higher than others under new government rebate changes. Here’s what families need to know. Older Australians could soon be paying significantly more for their private health insurance. The increase may hit them much harder than younger policyholders. New data from Private Healthcare Australia reveals that … Read more
With Payday Super approaching fast, now’s the time to look at how you pay super for independent contractors. While Payday Super doesn’t change who is eligible for super as the existing rules on eligibility remain the same, what does change is when you must pay super. If you’re currently required to pay super for an … Read more
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