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Check out what you could do while you’re still earning an income and have time on your side, noting not everyone will be eligible for the government’s age pension when they retire. Many of us turn a bit of a blind eye to super. We know it’s there and we know it’s ours. We just...Read More
The latest earning season proves that company dividend payouts are choppy. Casting your net wider will help capture broader income returns. If you own shares in one or more listed Australian companies, you may have been keeping an eye on the latest round of corporate earnings announcements. Earnings season is the equivalent of “peak hour”...Read More
It’s not just school leavers who dream of a gap year. Those of us who’ve been working for a decade or two (or more) may also long for a real break from career and commitments. An adult gap year is a chance to reset and to take stock of what’s important to you. There‘s the...Read More
The Reserve Bank has expressed concerns over how some borrowers on low fixed-rate mortgages will cope once their loan expires. Incremental home loan interest rate hikes have been eating into the household budgets of millions of Australians ever since the Reserve Bank of Australia (RBA) began lifting its official cash rate in May 2022. This...Read More
It’s fair to say that COVID took a toll on the working habits of Australians. Deep into lockdown and we were all getting slightly frayed around the edges. We knew we were all in this together. But we couldn’t help looking around and comparing our situation with those of friends and family in other walks...Read More
How to get super ready for EOFY
May 15, 2023Superannuation
Superannuation has dominated recent headlines, with proposed changes announced by Treasurer Jim Chalmers. While the details of these changes still need to be released, it’s worthwhile turning our focus to superannuation balances as we approach the end of financial year. There are lots of different ways to top up your super, but if you want...Read More
Preparing for loss of capacity or death is vital for SMSF members. It's important to ensure your trust deed is watertight. There are more than 600,000 self-managed superannuation funds (SMSFs) in Australia, managing close to $900 billion of assets on behalf of over a million Australians. Each SMSF’s trust deed is legally required to set...Read More
It’s no secret that scammers are getting more sophisticated. As this is an ever-evolving space, scammers are constantly developing new ways to part you with your hard-earned cash - and they cast their net wide. While it’s easy to think “it will never happen to me”, people who never expected to be victims of scams...Read More
If you’ve had interrupted income, or just haven’t been in a position to put as much into super as you’d like, catch-up concessional contributions may provide an opportunity to top up at a more convenient time. You won’t always be in a position to put money into your super. You might be taking time off...Read More
Proposed changes to superannuation have the potential to reshape the retirement landscape. The objective of super remains the missing ingredient in the mix. At its most fundamental, successful investing is about getting the balance right between risk and reward. Some risks are front and centre; they are in your face (or at least on your...Read More