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The retirement gap we don’t talk about

November 9, 2026arc_admin

Retirement confidence isn’t just about your nest egg, it’s about your plan Do you know how much interest you pay on your mortgage? Chances are you do. Like many homeowners, you may follow the Reserve Bank’s interest rate decision closely. You know what your repayments are, how much rates have risen over recent years and...

Aged Care 101: What is the Higher Everyday Living Fee (HELF)?

November 9, 2026arc_admin

The Higher Everyday Living Fee, or HELF, is a new optional fee that lets aged care residents pay for a more premium experience, from better meals to in-room entertainment. It’s completely optional, and declining it shouldn’t affect the standard care you receive. This guide breaks down what HELF actually covers, how it’s priced, and the...

After Firmus shelved the biggest ASX listing in 30 years, what does it say to investors about AI hype?

November 9, 2026arc_admin

It was pitched to investors as “the biggest initial public offering (IPO) in a generation”. Firmus Technologies – a developer of artificial intelligence (AI) data centres – planned to raise A$7 billion from investors on the Australian Securities Exchange. Recently, bankers working on the deal declared investor interest in the A$11-a-share offer was “well in...

Estate planning – why it’s important to have a will

November 9, 2026arc_admin

What is your ‘estate’?Your ‘estate’ includes everything you own – your ‘earthly possessions’, if you will. It can include for example cash, property, cars, boats, furniture, jewellery, family heirlooms, art, shares and more. What is estate planning?This is where you decide what will happen to your belongings after you pass away. By leaving a clear...

Teaching kids about money

November 9, 2026arc_admin

Raising your kids to be smart with money gives them vital life skills. Helping younger kids understand moneyAs a parent, you can shape your child’s relationship with money from an early age. You don’t need to be a money expert to teach kids about money. Simple conversations at home and everyday moments can help kids...

Should you change your investment strategy because of the CGT changes?

November 9, 2026arc_admin

The capital gains tax (CGT) reforms have sparked debate about whether investors should favour income-producing investments over those focused on growth, in an effort to reduce their tax bill. But a lower tax bill doesn’t necessarily lead to a better investment outcome. New modelling of the reforms suggests that while higher-growth investments could face larger...

 Generation Mortgage: Why younger Australians face a very different retirement

November 9, 2026arc_admin

A very different retirement awaitsFor generations of Australians, owning the family home outright by retirement was almost taken for granted. You bought a house during your working years, gradually paid down the mortgage and ideally entered retirement debt-free, with superannuation and the Age Pension available to help fund your lifestyle (or, if you were fortunate,...

Financial literacy in Australia: Where we’re improving (and falling behind)

November 9, 2026arc_admin

How well do we understand our money?Most of us make financial decisions almost every day. We decide whether to save or spend, how much of the mortgage to pay down, where to invest and, eventually, how to turn decades of savings into an income that can support us through retirement. But how well do Australians...

How to dispose of shares

November 9, 2026arc_admin

How to dispose of shares You can dispose of your shares in the following ways: selling them giving them away (gifting shares) transferring them to a spouse as the result of a breakdown in your marriage or relationship through share buy-backs through mergers, takeovers and demergers because the company goes into liquidation. It’s important you...

Should I rent or own a place in a retirement village?

November 9, 2026arc_admin

In Australia, there are both ownership and rental opportunities to choose from when deciding on the best retirement living option for you. Key points:There are varying tenure types that can impact your rights over a property in a village Make sure to understand all the costs and fees that are associated with taking a placement...

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