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. Platforms offer a range of …
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, hybrids have been a cornerstone …
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 consider a stronger focus on …
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 safe haven, failing to factor …
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 savings. Annual statements represent a …
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, even though your pay increase …
What’s actually changing and who it affects Known to some as the ‘$3 million super tax’, new legislation effective from 1 July 2026 will add an extra 15% tax on earnings attributable to the part …
The Reserve Bank of Australia (RBA) has increased interest rates by 0.25 percentage points. The new cash rate target is 4.35 percent, up from 4.1 percent. Interest rates have now returned to the level they …
From 1 July 2026, super contributions are getting a refresh. Payday Super means your employer will pay your super at the same time they process your pay, rather than relying on the current minimum rule …
In recent years, market volatility has once again tested the nerves of investors. From the post COVID recovery to ongoing geopolitical tensions, persistent inflation and rising interest rates, many are questioning how best to position …
Interest rates are rising and the Reserve Bank of Australia (RBA) has hinted that they could stay elevated for longer than expected. While people who live off their investments, including self funded retirees welcome the …
There are always two ways for individuals to hold cash, emergency fund cash and investment cash. This needs to be clarified before discussing any investment mix. Emergency cash (not in your portfolio) Life has a …
Looking for ways to manage investment risk while still aiming for long term returns? While valuations in many investment asset types have been affected by market volatility this year, there are a range of approaches …
Market developments during April 2026 included: Key Points Global equities rebounded strongly, looking through the geopolitical and oil price pressures. Inflationary pressures continue to cause markets to reassess the monetary policy paths of many central …
When markets get bumpy or household budgets feel tighter, it’s common for people to start questioning their super. If your balance has dipped or returns haven’t met expectations, you might wonder whether continuing to contribute …
Our phones contain so much personal information that it’s important to keep them secure. Follow these seven cybersecurity tips to help secure your mobile device from hackers and online fraud. Most of us are used …
Payday Super means employers must pay super at the same frequency as they pay wages. The changes are being introduced to improve retirement outcomes and reduce unpaid super. Moving away from quarterly payments means more …
We all want to earn high returns but every investment has some degree of risk; and higher returns generally mean higher risk. Think about the level of risk you’re comfortable with. How do you feel …
Prepare for any changes that may be occurring in 2026 and beyond. Looking ahead: What’s changing in 2026? At this time of year, many of us start thinking about what’s next – new goals, fresh …
If 2025 was the year that Australia’s property market roared back to life, 2026 looms as the year it taps the brakes. Price growth is expected to slow, there’s a risk of interest rate hikes …
Thinking about using your super to invest in property? You’re not alone. Australians are increasingly seeking alternatives to traditional investments such as shares and managed funds to build their retirement wealth. Find out if buying …
Shares or stocks are a popular investment for many investors but can be intimidating when you are starting out. Here’s a short guide to help start your journey into investing. What are shares? Shares, also …
Ransomware is a common and dangerous type of malware. It works by locking up or encrypting your files so that you can no longer access them. A ransom, usually in the form of cryptocurrency, is …
What goes up, must come down. Market highs and lows are a normal part of the investment world but they can be hard to handle when it’s your money at stake. Market volatility Investment markets …
Market developments during January 2026 included: Key Points The domestic equity market took the lead from European and US markets, finishing higher in January, while Real Estate Investment Trusts (REITs) moved lower. US equity markets …
Even with interest rates easing, the cost of living remains tough. In some cases, super can offer relief – especially under compassionate grounds or severe financial hardship. Mortgage stress is hitting many Australians hard – …
The following outlines your obligations as a trustee or director of a corporate trustee of a Self Managed Super Fund (SMSF) and what happens when they are not met. Understand your obligations All trustees of …
Working out how much your business is worth can be an important part of getting finance, attracting investors or selling your business. Here are some suggested steps to help you through the process. Prepare your …
Superannuation is one of the important pillars of savings in retirement for most Australians. After years of working and contributing to your super fund, retirement is when you are finally able to access it. Whether …
Receiving an inheritance may be a once in a lifetime financial opportunity that also coincides with a very difficult, emotional time in your life. Whether you inherit $10,000 or $100,000, your age, life stage, risk …