RESOURCES
Save for a house deposit
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
Trauma insurance
A critical illness or serious injury can make it difficult to continue to work. Trauma insurance can help support you and your family at this time
A guide to combining finances for couples and newlyweds
What it means to combine finances Even if you have a strong relationship, there are some important details to consider before joining finances. Money
Mistakes to avoid when markets are turbulent
These three common mistakes are easy to avoid. Making them could be costly. Sharp downturns on global financial markets are always unsettling.
Investing cycles – Lessons from the Magnificent 7
When it comes to investing in shares, it’s often said that time is your friend. The data shows that investing small amounts consistently over time
Investment Property: Getting it right
With property remaining a high-priced asset, it’s more important than ever for investors to ensure their property investments are a financial
What is aged care like in Australia?
Key points: The aged care system in Australia has three main pillars — home care, residential aged care, and retirement villages If you can’t
5 practical tips for getting your financial foundations right
Think of your finances like your home: how its foundations are built and maintained determines its ability to stand strong for years to come. Money
Transition to retirement: Access your super while you keep working
A ‘transition to retirement’ (TTR) strategy lets you access some of your super and keep working. Setting this up can be complicated, so
The challenges and conflicting priorities for Australians under 40
Australians under 40 often grapple with housing affordability, ongoing mortgage repayments, family planning, and career progression. However, these
Intergenerational wealth – conflicting priorities for older Australians
For many older Australians, their retirement years are not only a time to enjoy the fruits of their lifelong labour, but also to think about how they
Mortgage versus super – a common dilemma
Conventional wisdom used to dictate Australians were better paying off their home loans, and then, once debt-free turning their attention to building
The Australian intergenerational wealth divide
AMP Deputy Chief Economist Diana Mousina looks at the issues that have led to the increasing wealth divide between older and younger Australians
Yours, mine and ours – estate and succession planning for modern families
Navigating complex family relationships and blended families can be challenging at times and particularly when a family member dies. A good estate
Investing cycles – Lessons from the Magnificent 7
When it comes to investing in shares, it’s often said that time is your friend. The data shows that investing small amounts consistently over time
What is aged care like in Australia?
Key points: The aged care system in Australia has three main pillars — home care, residential aged care, and retirement villages If you can’t
To sell or not to sell is the question for moving into aged care
Moving into residential aged care can trigger a range of emotions, particularly if it involves the sale of the family home. What is often a major
Spend smarter and shop safer during sales
Cutting back on overspending Whenever there’s a big sale event, like the upcoming Black Friday sales, it can be tempting to go on a shopping spree
Springing into action with a pre-approval in place
As the real estate market begins to bloom with opportunities for homebuyers, for those who wish to buy in the next few months understanding the
Joint accounts
A joint account is a bank account that more than one person can access. It can make it easier to manage shared expenses, but also comes with the risk
Insuring against loss of income
Protecting income from unexpected illness and injury is particularly important to anyone with a mortgage to service, small business owners and
Transition to retirement: Access your super while you keep working
A ‘transition to retirement’ (TTR) strategy lets you access some of your super and keep working. Setting this up can be complicated, so
Trauma insurance
A critical illness or serious injury can make it difficult to continue to work. Trauma insurance can help support you and your family at this time
Investment Property: Getting it right
With property remaining a high-priced asset, it’s more important than ever for investors to ensure their property investments are a financial
The pros and cons of taking the DIY super route
Having your own super fund provides more control, but they’re not for everyone. The number of Australians choosing to manage their own
A guide to combining finances for couples and newlyweds
What it means to combine finances Even if you have a strong relationship, there are some important details to consider before joining finances. Money
Save for a house deposit
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
Enjoy the now and secure your future
Managing your financial situation always involves tension between how you live your life now and preparing for your future – whatever that looks
Time is up for the resilient consumer
It’s evident that the Australian consumer is under pressure. It appears the tailwinds that helped brand the consumer as ‘resilient’ are now
Your home in retirement
When you’re planning for retirement, consider what kind of home you can afford and what suits your level of independence. Think about whether
Super lump sum
You may be able to take your superannuation as a lump sum payment when you retire. This is usually tax-free from age 60. How a superannuation lump
Investing in the property market
Are you thinking about buying an investment property? Buying a property that you do not plan to live in can help you increase your wealth and
Australia’s equities exodus is finally taking off
Many Australian investors are discovering the benefits from investing offshore. Australian financial markets are continuing to evolve, and that’s
What company delistings mean for ETFs
Some big companies have left the ASX recently. How do ETFs adapt to index changes? Share markets are ever changing. Companies come, and companies go.
Enjoy the now and secure your future
Managing your financial situation always involves tension between how you live your life now and preparing for your future – whatever that looks
How to get into the retirement comfort zone
A third of Australians retire without a plan. Here’s why you should have one. Working and generating a stable income can be described as a
Are you a goal-driven saver?
Characteristics of goal-driven savers A ‘money mindset’ is a way of thinking about personal finance. Your money mindset can change over time, and
Super lump sum
You may be able to take your superannuation as a lump sum payment when you retire. This is usually tax-free from age 60. How a superannuation lump
How do retirement income options compare?
Retirement is filled with opportunities and choices. There’s the time to travel more, work on long-delayed personal projects or volunteer your help
Your home in retirement
When you’re planning for retirement, consider what kind of home you can afford and what suits your level of independence. Think about whether
Transfer from a foreign super fund to an Australian super fund
Overview Money you transfer from a foreign super fund to a complying Australian super fund may: count towards you super contributions caps, and be
Avoiding sales pressure
Salespeople and advertisers use tactics to pressure you to buy a product or sign up to a service. Knowing their techniques can help you avoid buying
How to get into the retirement comfort zone
A third of Australians retire without a plan. Here’s why you should have one. Working and generating a stable income can be described as a
Enjoy the now and secure your future
Managing your financial situation always involves tension between how you live your life now and preparing for your future – whatever that looks
The lost super pile keeps growing
There’s almost $18 billion of unclaimed superannuation. Here’s how to find it. When it comes to accumulated retirement savings, many
Save for an emergency fund
An emergency fund is money you save to cover urgent or unexpected costs. This could be car repairs, unexpected travel or an urgent medical bill. It
Keeping records of shares and units
Records you need to keep When you sell your shares in companies or units in managed funds, most of the records you need will be given to you by the
Are you an impulsive spender?
Characteristics of impulsive spenders A ‘money mindset’ is a way of thinking about personal finance. Your money mindset can change over time, and
Weighing up the Age Pension and the assets test
Why having less super isn’t necessarily a financial sweet spot for retirees. Millions of Australians aged 67 and over have just received an Age
The lost super pile keeps growing
There’s almost $18 billion of unclaimed superannuation. Here’s how to find it. When it comes to accumulated retirement savings, many
Adding bonds to your investment mix
Bonds can play an important role in investment portfolios, but what exactly are they, what are their benefits, and how do you invest in them? What
Super contributions
If you’re employed, your employer should be paying a percentage of your earnings into your super account. It’s worth checking to make
Are you an impulsive spender?
Characteristics of impulsive spenders A ‘money mindset’ is a way of thinking about personal finance. Your money mindset can change over time, and
A rear-vision roadmap to greater retirement heights
Future investment returns are unknown, but past returns are a guide for retirement. If you’re a member of a superannuation fund, for all intents
The lost super pile keeps growing
There’s almost $18 billion of unclaimed superannuation. Here’s how to find it. When it comes to accumulated retirement savings, many
Save for an emergency fund
An emergency fund is money you save to cover urgent or unexpected costs. This could be car repairs, unexpected travel or an urgent medical bill. It
Keeping records of shares and units
Records you need to keep When you sell your shares in companies or units in managed funds, most of the records you need will be given to you by the
From clutter to cash
Have you ever looked around your place and wondered how much cash is sitting in those old clothes you never wear, gadgets you never use or other
Estate planning gives you a final say
Planning for what happens when you pass away or become incapacitated is an important way of protecting those you care about, saving them from dealing
Save for an emergency fund
An emergency fund is money you save to cover urgent or unexpected costs. This could be car repairs, unexpected travel or an urgent medical bill. It
Are you an impulsive spender?
Characteristics of impulsive spenders A ‘money mindset’ is a way of thinking about personal finance. Your money mindset can change over time, and
Adding bonds to your investment mix
Bonds can play an important role in investment portfolios, but what exactly are they, what are their benefits, and how do you invest in them? What
Upsizing, downsizing and rightsizing: Finding the best fit
We’ve all heard about downsizing and upsizing, but what about rightsizing? ‘Rightsizing’ is used for when you find the right fit for you. In
Choosing a credit card
If you’re struggling to pay your bills, a new credit card may not be the best move. See managing debt for other options. How to get the best
The biggest assets growth areas for SMSFs
What five years’ worth of SMSF asset allocation data reveals. The Australian Tax Office (ATO) releases quarterly data showing where self-managed
The global 60/40 portfolio: Steady as it goes
Returns for the global 60/40 portfolio are positive again, reaffirming its benefits. A globally diversified portfolio of 60% stocks and 40% bonds
Is a retirement village right for you?
The retirement living sector is growing rapidly in Australia as the population ages and demand increases for a spot in a retirement village. For many
Online shopping
Online shopping can be a convenient way to buy the things you want. Get the most out of internet shopping by staying safe online. How to protect
The biggest assets growth areas for SMSFs
What five years’ worth of SMSF asset allocation data reveals. The Australian Tax Office (ATO) releases quarterly data showing where self-managed
Super vs property: what works for retirement income?
There is no debate that Australians love investing in property. The value of Australian residential real estate at the end of August 2024 was an
The end of hybrids. What that means for investors
Why high-quality bonds are a logical alternative to hybrid securities. Some of the biggest changes on financial markets that are likely to have a
The global 60/40 portfolio: Steady as it goes
Returns for the global 60/40 portfolio are positive again, reaffirming its benefits. A globally diversified portfolio of 60% stocks and 40% bonds
Online shopping
Online shopping can be a convenient way to buy the things you want. Get the most out of internet shopping by staying safe online. How to protect
The interest rate cuts happening behind the scenes
Interest rates are officially on hold, but unofficially they’re not. Don’t expect an official rate cut anytime soon. That was the latest
Is a retirement village right for you?
The retirement living sector is growing rapidly in Australia as the population ages and demand increases for a spot in a retirement village. For many
Why many of us need a super savings nudge
Making extra contributions into super can go a long way. Here’s some easy steps. Each year, October 31 is designated as World Savings Day. In
What is debt consolidation?
What is a debt consolidation loan? A debt consolidation loan is a way to combine all your debts – including credit card, personal loans, store
The cost of refinancing your home loan
Consider the expenses involved in refinancing If you’re debating whether to refinance your home loan, you need to think about whether the benefits
Retirement income
Retirement means different things to everyone. It may be a definite point in time when you stop work, and begin a new phase of life. Or it may be a
CGT when selling your rental property
How capital gains or losses apply When you sell or dispose of a rental property you may make a capital gain or loss. A capital gain or loss is the
Estate planning gives you a final say
Planning for what happens when you pass away or become incapacitated is an important way of protecting those you care about, saving them from dealing
The lowdown on negative gearing
Recently, negative gearing has been making waves in the news and with rental affordability becoming a serious issue in Australia, various political
The biggest assets growth areas for SMSFs
What five years’ worth of SMSF asset allocation data reveals. The Australian Tax Office (ATO) releases quarterly data showing where self-managed
Term deposits
Term deposits let you invest for a set amount of time and get a fixed interest rate. They can be useful when saving for bigger items like a car or
Super vs property: what works for retirement income?
There is no debate that Australians love investing in property. The value of Australian residential real estate at the end of August 2024 was an
Why many of us need a super savings nudge
Making extra contributions into super can go a long way. Here’s some easy steps. Each year, October 31 is designated as World Savings Day. In
The end of hybrids. What that means for investors
Why high-quality bonds are a logical alternative to hybrid securities. Some of the biggest changes on financial markets that are likely to have a
What is debt consolidation?
What is a debt consolidation loan? A debt consolidation loan is a way to combine all your debts – including credit card, personal loans, store
Harnessing your professional brand in a world of AI
Artificial Intelligence (AI) technology is becoming more prevalent in our society and although there are many early adopters of AI, there is still a
?Investing in property? Know the costs before you buy
Why invest in property? Investing in property is a popular choice for many people as you can both earn rental income and benefit from capital growth.
Preparing your kids for financial success
Here’s some easy money management skills for children of different ages. Teaching good financial habits, such as saving and budgeting, is one
Measuring up the price of shares
Analysts have many financial measures to value companies. Here’s a brief overview. Share market investment analysts thrive on numbers. So, when
It’s super hump month. Make the most of it
Six ways to get more money into your superannuation fund. The start of the 2024-25 financial year on 1 July saw some significant changes come through
Measuring up the price of shares
Analysts have many financial measures to value companies. Here’s a brief overview. Share market investment analysts thrive on numbers. So, when
Releasing the value in your home
Rising property prices have led many people to look for ways to unlock the increased equity in their homes so they enjoy a comfortable lifestyle in
Insuring against loss of income
Protecting income from unexpected illness and injury is particularly important to anyone with a mortgage to service, small business owners and
Preparing your kids for financial success
Here’s some easy money management skills for children of different ages. Teaching good financial habits, such as saving and budgeting, is one
Three simple steps for financial wellness
If money’s too tight to mention, here’s some small steps that can make a big difference in achieving your financial goals. How would you rate
Keeping records for property
Which records to keep for your property so you can work out CGT when you sell it. Property records you should keep For your property, you should keep
Is a retirement village right for you?
The retirement living sector is growing rapidly in Australia as the population ages and demand increases for a spot in a retirement village. For many
?Investing in property? Know the costs before you buy
Why invest in property? Investing in property is a popular choice for many people as you can both earn rental income and benefit from capital growth.
Interest, dividend and other investment income deductions
Deductions you can claim for the costs of earning interest, share dividends, or income from other investments. Interest income expenses You can claim
Why you need an emergency fund
What is an emergency fund? An emergency fund is a financial safety net, offering you instant access to money when you need to cover the cost of
Insuring against loss of income
Protecting income from unexpected illness and injury is particularly important to anyone with a mortgage to service, small business owners and
The Age Pension and your retirement plans
Most people intend to retire between ages 65 and 66, according to the latest data and, surprisingly, despite growing superannuation balances, the Age
Three simple steps for financial wellness
If money’s too tight to mention, here’s some small steps that can make a big difference in achieving your financial goals. How would you rate
Releasing the value in your home
Rising property prices have led many people to look for ways to unlock the increased equity in their homes so they enjoy a comfortable lifestyle in
Dollar cost averaging: can it work for you?
Australian share prices have seen record highs in 2024 after a sluggish couple of years. The S&P ASX200 index added just under 7 per cent in the
Bouncing back from holiday spending
Ah, the holiday season: a time for festive gatherings, endless cheer, and, let’s face it, a bit of financial chaos if you found yourself swept up
Investment income
When to declare investment income You must declare income you earn from investments and assets in your tax return. Investment income may include
Helping the kids without derailing your retirement plans
As parents, the instinct to support our children never truly fades, even when they become adults but when you are looking at giving them a financial
Visualise it and make it happen in 2025!
As we move into a brand-new year, many people set their resolutions, and if buying your dream home is what you have set your sights on, with the
Having a baby
Becoming a parent is an exciting and life-changing step. Be well-prepared for the costs and budget for them. Cost of having a baby Having a baby
Bouncing back from holiday spending
Ah, the holiday season: a time for festive gatherings, endless cheer, and, let’s face it, a bit of financial chaos if you found yourself swept up
How to overcome your investment fears
You’re ready to start investing, but there’s a few things holding you back. Firstly, while you have a bit of money set aside, you
How an offset account can benefit your home loan
What is an offset account? An offset account links a transaction account to your variable rate home loan. It uses the money in that account to
Prepare to retire
Preparing to retire is emotional and practical. Making a retirement plan can help you manage your finances, and cope better as your life and
How to overcome your investment fears
You’re ready to start investing, but there’s a few things holding you back. Firstly, while you have a bit of money set aside, you
The steps to aged care
Key points: Find services in your area that fit your needs or to learn more about the aged care journey The first step in getting Government funded
General and personal financial advice
General or personal advice can help you reach your financial goals. General advice does not consider your personal circumstances and is general in
Bouncing back from holiday spending
Ah, the holiday season: a time for festive gatherings, endless cheer, and, let’s face it, a bit of financial chaos if you found yourself swept up
Helping the kids without derailing your retirement plans
As parents, the instinct to support our children never truly fades, even when they become adults but when you are looking at giving them a financial
Salary packaging
Salary packaging is when you and your employer ‘package’ your salary into income and benefits. It’s also known as salary sacrifice.
Investment income
When to declare investment income You must declare income you earn from investments and assets in your tax return. Investment income may include
The benefits of automating your personal finances
In today’s fast-paced world, where every minute counts, managing personal finances can feel like another tedious task. However, thanks to the rise
Why you need an emergency fund
What is an emergency fund? An emergency fund is a financial safety net, offering you instant access to money when you need to cover the cost of
Five financial steps for the new year
The start of 2025 is a good opportunity to take decisive financial steps. The new year can often be a trigger point for many people to review their
How an offset account can benefit your home loan
What is an offset account? An offset account links a transaction account to your variable rate home loan. It uses the money in that account to
Bouncing back from holiday spending
Ah, the holiday season: a time for festive gatherings, endless cheer, and, let’s face it, a bit of financial chaos if you found yourself swept up
Setting financial goals as a couple
Step one: what are your financial pain points? When you start making plans, chances are you’ll both come across financial pain points. In other
How much super you need
Take some of the guesswork out of planning for the future. Work out how much super you’ll have when you retire, and if it will be enough to
How $10,000 performed across eight asset classes in 2024
Another year of varied returns demonstrates the importance of diversification. Global share markets surged into record territory during 2024,
Pay off your mortgage faster
Paying off your mortgage early will save you money and take a financial load off your shoulders. Here are some ways to get rid of your mortgage debt
Investment scams
Be suspicious of anyone offering you easy money. Scammers are skilled at convincing you that the investment is real, the returns are high and the
Succession planning – More than an exit strategy
Although the day may be a long way off, when it comes to exiting your business, the golden rule is to start planning early. With a detailed
Setting financial goals as a couple
Step one: what are your financial pain points? When you start making plans, chances are you’ll both come across financial pain points. In other
How $10,000 performed across eight asset classes in 2024
Another year of varied returns demonstrates the importance of diversification. Global share markets surged into record territory during 2024,
5 ways to boost your super
What’s your super strategy? Did you know it’s likely you’ll spend up to two or more decades in retirement? It’s a long time, so will you
Turn your financial goals into an investment plan
A well-thought-out investment plan can help you thrive financially as well as protect you from falling into some common behavioural investment traps.
Getting divorced or separating
The end of a relationship is never easy, but there are steps you can take to help things run more smoothly. If you’re in crisis or struggling
Succession planning – More than an exit strategy
Although the day may be a long way off, when it comes to exiting your business, the golden rule is to start planning early. With a detailed
Retiring with debt? Experts explain downsizing, using super for your mortgage, and pension eligibility
About 36% of homeowners still have a mortgage when they retire, up from 23% a decade ago. This increase in mortgage debt is due to soaring property
Selling your investment property? Watch out for tax
If you are considering disposing of a property, it’s important to understand the implications so that there are no surprises when your tax bill
Investment scams
Be suspicious of anyone offering you easy money. Scammers are skilled at convincing you that the investment is real, the returns are high and the
Setting financial goals as a couple
Step one: what are your financial pain points? When you start making plans, chances are you’ll both come across financial pain points. In other
Crypto assets
Crypto-assets (crypto) include assets described as coins, tokens or sometimes cryptocurrencies. They digitally represent your ownership of a valuable
Pay off your mortgage faster
Paying off your mortgage early will save you money and take a financial load off your shoulders. Here are some ways to get rid of your mortgage debt
You may be owed money. Here’s how to check
Holidays and gift giving can leave you a little short of cash so it might be cheering to learn that billions of dollars is being held by various
Getting divorced or separating
The end of a relationship is never easy, but there are steps you can take to help things run more smoothly. If you’re in crisis or struggling
Insuring against loss of income
Protecting income from unexpected illness and injury is particularly important to anyone with a mortgage to service, small business owners and
Investment income
When to declare investment income You must declare income you earn from investments and assets in your tax return. Investment income may include
Granny flats: tax traps and tips
With more older Australians looking to downsize and younger generations looking to get a foot on the property ladder, building a granny flat or a
How much super you need
Take some of the guesswork out of planning for the future. Work out how much super you’ll have when you retire, and if it will be enough to
The generation redefining aging
As we advance into the 21st century, the concept of aging is undergoing a transformation, largely thanks to a new generation of “oldies” who
Retiring with debt? Experts explain downsizing, using super for your mortgage, and pension eligibility
About 36% of homeowners still have a mortgage when they retire, up from 23% a decade ago. This increase in mortgage debt is due to soaring property
Planning for retirement
Questions to start your retirement planning Here are a few questions to get your retirement planning underway. Thinking about these might lead you to
You may be owed money. Here’s how to check
Holidays and gift giving can leave you a little short of cash so it might be cheering to learn that billions of dollars is being held by various
Identity theft
If your personal information falls into the wrong hands, it can be used to steal your identity. If you think your identity has been stolen, report it
How political events affect the markets
From the economy bending policies of Trump 2.0 to the growing strength of the far right in Europe, the new alliance between Russia and the United
Independent living in retirement communities
Key points: There are many benefits to moving into independent living You have many different types of retirement villages to choose from Retirement
Types of super funds
When you start a job, you can usually choose a super fund or let your employer choose for you. Understanding the basics can help you work out what
How political events affect the markets
From the economy bending policies of Trump 2.0 to the growing strength of the far right in Europe, the new alliance between Russia and the United
Identity theft
If your personal information falls into the wrong hands, it can be used to steal your identity. If you think your identity has been stolen, report it
Achieving home-buying harmony
Buying a home is one of the most exciting milestones in life, but when you’re a couple working together to save for that all-important deposit, it
Home is where the super is for many Australians
More Australians are upsizing their super by downsizing their home. Home ownership is still the great Australian dream for many people. But, for a
Estate planning: making it easier on family
Get professional legal and financial advice The right professional advice can take the guesswork out of deciding how to distribute your assets, and
Planning for retirement
Questions to start your retirement planning Here are a few questions to get your retirement planning underway. Thinking about these might lead you to
Identity theft
If your personal information falls into the wrong hands, it can be used to steal your identity. If you think your identity has been stolen, report it
Navigating turbulent times in the share market
As investors grapple with uncertainty, keeping a cool head has never been more important. “Time in the market, not timing the market” is a
Estate planning: making it easier on family
Get professional legal and financial advice The right professional advice can take the guesswork out of deciding how to distribute your assets, and
Three ways to check your super is working for you
Small changes in performance or fees can make a big difference in retirement. How often do you check in with your super? For younger Australians, the
Why you need an emergency fund
What is an emergency fund? An emergency fund is a financial safety net, offering you instant access to money when you need to cover the cost of
Retirement income and tax
How much tax you pay on retirement income depends on your age and the type of income stream. For most people, an income stream from superannuation
Types of super funds
When you start a job, you can usually choose a super fund or let your employer choose for you. Understanding the basics can help you work out what
The trouble with having too much cash
Investors with large cash holdings should keep an eye on falling deposit rates. Most of us have heard the saying, cash is king. It relates to the
How Home Care Packages can help reduce entries to hospital
Hospital admissions can be distressing for individuals and costly for healthcare systems. Many of these admissions, particularly for older adults and
When you can access your super early
Overview You can access your super early in very limited circumstances, including to pay certain expenses on compassionate grounds, as well as
When markets are volatile, it pays to stay invested
Periods of high volatility have forever been part of investing. But even seasoned investors might feel tempted to retreat to “safe” assets like
The generation redefining aging
As we advance into the 21st century, the concept of aging is undergoing a transformation, largely thanks to a new generation of “oldies” who
Understanding your retirement income
Work out how long your super or account-based pension will last There are many variables that come into play when calculating how long your super or
When markets are volatile, it pays to stay invested
Periods of high volatility have forever been part of investing. But even seasoned investors might feel tempted to retreat to “safe” assets like
Wills and powers of attorney
A good estate plan will help make sure your wishes are carried out when you die. It can also help if you become unable to make your own decisions.
How Home Care Packages can help reduce entries to hospital
Hospital admissions can be distressing for individuals and costly for healthcare systems. Many of these admissions, particularly for older adults and
Keep track of your investments
Review your investments regularly to make sure you’re on track to reach your financial goals and you’re comfortable with the investment
3.5 million Australians experienced fraud last year. This could be avoided through 6 simple steps
About 14% of Australians experienced personal fraud last year. Of these, 2.1 million experienced credit card fraud, 675,300 were caught in a scam,
When you can access your super early
Overview You can access your super early in very limited circumstances, including to pay certain expenses on compassionate grounds, as well as
Big changes ahead for Aged Care
The number of Australians aged over 65 is expected to more than double in the next 40 years while the number of people aged over 85 is predicted to
Keep track of your investments
Review your investments regularly to make sure you’re on track to reach your financial goals and you’re comfortable with the investment
Turbocharge your super before 30 June
More than half of us set a new financial goal at the beginning of 2025, according to ASIC’s Moneysmart website. While most financial goals include
3.5 million Australians experienced fraud last year. This could be avoided through 6 simple steps
About 14% of Australians experienced personal fraud last year. Of these, 2.1 million experienced credit card fraud, 675,300 were caught in a scam,
Super and planning for retirement
Check your super When you start to plan for retirement, you’ll need to check your super: where it is how much you have whether you have lost or
Turbocharge your super before 30 June
More than half of us set a new financial goal at the beginning of 2025, according to ASIC’s Moneysmart website. While most financial goals include
Getting your super
You can get your super when you retire and reach your ‘preservation age’. This is between 55 and 60, depending on when you were born. Or
Wills and powers of attorney
A good estate plan will help make sure your wishes are carried out when you die. It can also help if you become unable to make your own decisions.
4 steps to change a negative money mindset
Your relationship with money is deeply rooted in your past, often shaped during your formative years by early experiences and the attitudes you
Big changes ahead for Aged Care
The number of Australians aged over 65 is expected to more than double in the next 40 years while the number of people aged over 85 is predicted to
Returning to work after having a baby
Balancing financial and work commitments with caring for children is possible with a little planning. Set clear expectations at work Before you
The benefits of automating your personal finances
In today’s fast-paced world, where every minute counts, managing personal finances can feel like another tedious task. However, thanks to the rise
Why it’s important to stay the course during market volatility – in three charts
Staying the course is sage advice for long-term investors anxious about market volatility — and for good reason By looking at how markets have
ASX zombies make a strong case for investment diversification
Here’s what a zombie company is and why they can be a detractor to your returns Australian Securities Exchange (ASX) data shows more than three
The aged care Star Ratings are changing – here’s why
Key points: Star ratings for residential aged care homes are changing to a redesigned Compliance rating and incorporating care minute targets for
Thinking about an SMSF? Here’s what you need to know
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If you have a poor credit score or an error in your credit report, it may affect loans or credit you apply for. You have a right to get errors fixed
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Donald Trump’s new international trade tariffs have landed. Some are lower than others, some deals have been done, but overall they are the highest
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With more than 947,000 trusts operating across Australia, it’s no surprise the ATO continues to keep a close eye on how these structures are
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If you’ve ever had a job in Australia, even short-term, your employer probably paid money into a super fund for you. This money is yours – even
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Mortgage debt is impacting the confidence of many retirees Vanguard’s How Australia Retires 2025 report reveals a concerning trend: more
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How mortgage debt is reshaping retirement for Australians
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1 in 3 Australians in their late 60s are still working, new HILDA survey shows
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Risks of entering into a scheme An SMSF is a trust generally run for the sole purpose of providing retirement benefits to its members. Generally,
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The federal government has announced updates to its plan to reduce tax concessions on superannuation investment earnings for Australians with
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A simple guide for investors and pensioners Australia’s latest dividends stream was flowing strongly recently as many listed companies and exchange
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Men earn nearly $10,000 more than women in bonuses and overtime pay, fuelling the gender pay gap: new data
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Your retirement. Your way. Your adventure.
Retirement has often been seen as a time to slow down and enjoy the simple pleasures of daily life. And for many, that’s the dream. But retirement
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Ageing is a natural part of life, and with it often comes a reduced ability to manage everyday tasks, especially at night. The same is true for
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Ageing is a natural part of life, and with it often comes a reduced ability to manage everyday tasks, especially at night. The same is true for
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It’s the season for gifts, sharing meals and spreading cheer. But what if your festive generosity could do more? What if it could ripple through
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Super is for retirement – but in some circumstances you might not have to wait. There are some circumstances where you can access your super before
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Ageing comes with wisdom, experience and a lifetime of stories, but it can also bring new challenges. Tasks that once felt effortless may now require
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A sudden death can place financial stress on those who depend on you. If this happens, life cover can help them pay the bills and other living
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Investing may be all about the numbers – growth, returns and risk – to build a secure future but increasingly investors are interested in an even
Men earn nearly $10,000 more than women in bonuses and overtime pay, fuelling the gender pay gap: new data
Men are earning on average A$9,753 more than women each year in the form of performance bonuses, allowances and overtime pay. That’s according to
How to spot a scam website
Recently, there was an alert about the ASIC Moneysmart website being impersonated. It’s part of a growing – and increasingly sophisticated –
Investing in rare earths requires patience and perspective
Few investment sectors combine geopolitical intrigue, technological innovation and long-term growth potential quite like rare earth elements (REEs).
Your retirement. Your way. Your adventure.
Retirement has often been seen as a time to slow down and enjoy the simple pleasures of daily life. And for many, that’s the dream. But retirement
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Getting on top of your finances is one of the most common new year’s resolutions. But sticking to them can be hard. If you want to get your
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We plan for holidays, home renovations, and retirement but we’re less likely to plan for the unexpected. Life insurance is one quiet but powerful
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Self-managed superannuation fund (SMSF) trustees always have a lot on their to-do lists but the first few months of 2026 are likely to be busier than
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The key factors that influenced trading on global financial markets 2025 was defined by dramatic shifts and surprising outcomes across global
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Self-managed superannuation fund (SMSF) trustees always have a lot on their to-do lists but the first few months of 2026 are likely to be busier than
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Quoting a tax file number When you buy shares, you have a choice whether you quote a tax file number (TFN). If you quote a TFN, you pay taxes on the
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Getting on top of your finances is one of the most common new year’s resolutions. But sticking to them can be hard. If you want to get your
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Thinking of buying a home? That’s a big step and an exciting one too. But before you start scrolling through real estate listings, it’s important
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Self-managed superannuation fund (SMSF) trustees always have a lot on their to-do lists but the first few months of 2026 are likely to be busier than
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In a world of constant financial noise, from market updates and interest rate speculation to economic forecasts, it’s easy to feel overwhelmed and
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You’ve been doing all the right things when it comes to saving your hard-earned cash. You’ve cut back on luxury getaways and culinary splurges,
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We plan for holidays, home renovations, and retirement but we’re less likely to plan for the unexpected. Life insurance is one quiet but powerful
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Getting on top of your finances is one of the most common new year’s resolutions. But sticking to them can be hard. If you want to get your
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After a natural disaster, you may be targeted by ‘storm’ or ‘disaster’ chasers. They might claim to offer you quicker, cheaper, or
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Setting up a lifetime income stream is one way to get regular payments in retirement. What is a lifetime income stream? A lifetime income stream is a
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Thinking of buying a home? That’s a big step and an exciting one too. But before you start scrolling through real estate listings, it’s important
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Your mortgage, your super or your investments It’s tempting to pay off your mortgage as quickly as possible. But what about investing? Building
Lodging your SMSF return on time is more important than ever
Running your own self-managed super fund (SMSF) comes with many responsibilities and lodging an annual return is one of the most important. While
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Lodging your SMSF return on time is more important than ever
Running your own self-managed super fund (SMSF) comes with many responsibilities and lodging an annual return is one of the most important. While
Navigating grief in the aged care system: why support must start long before end-of-life
New research shows grief in aged care begins long before death, starting at the moment a loved one enters residential care. Families describe a long,
Silver and gold hit record highs – then crashed. Before joining the rush, you need to know this
The start of 2026 has seen gold and silver surge to record highs. So what’s behind those surges and falls? And what should everyday investors know
Strategies for an unexpected retirement
The best time to start planning for retirement is yesterday. But the second-best time? Today. About two-thirds of Australians retire earlier than
What the RBA wants Australians to do next to fight inflation – or risk more rate hikes
When the Reserve Bank of Australia (RBA) board voted unanimously to lift the cash rate to 3.85% in February, the decision was driven by one
Strategies for an unexpected retirement
The best time to start planning for retirement is yesterday. But the second-best time? Today. About two-thirds of Australians retire earlier than
Are downsizer contributions losing steam?
Tax Office data shows fewer people used its super scheme in 2024-25 Introduced in 2018, the home downsizer scheme allows eligible Australians aged 55
ASIC warns investors on pump and dump scammers
How investors are being duped by unscrupulous operators In late December the Australian Securities & Investments Commission issued a warning to
The borrowing fallout from higher-for-longer rates
In lifting its official cash rate by 0.25% back to 3.85% in February, the Reserve Bank of Australia (RBA) sent a clear signal that Australian
Lodging your SMSF return on time is more important than ever
Running your own self-managed super fund (SMSF) comes with many responsibilities and lodging an annual return is one of the most important. While
Working on your career could be your best money move
If you are trying to get ahead financially, it can sometimes feel harder than it should be. You budget, you plan, and you do your best, yet real
ASIC warns investors on pump and dump scammers
How investors are being duped by unscrupulous operators In late December the Australian Securities & Investments Commission issued a warning to
Super tax shake up
Superannuation tax rules are changing again and there are implications for those with very large balances as well as those on lower incomes. In a
Underinsurance: What it is and how to avoid it
When disaster strikes, the last thing you want to discover is that your insurance doesn’t stretch far enough. What is home underinsurance?
Managing unexpected retirement
Stopping work is a big shift – especially when you haven’t planned for it. Why you might face a sudden retirement Only one-third of Australians
Working on your career could be your best money move
If you are trying to get ahead financially, it can sometimes feel harder than it should be. You budget, you plan, and you do your best, yet real
The borrowing fallout from higher-for-longer rates
In lifting its official cash rate by 0.25% back to 3.85% in February, the Reserve Bank of Australia (RBA) sent a clear signal that Australian
Is federal government spending really to blame for higher inflation? It’s not clear cut
There has been a spate of articles and commentary in recently calling on the Australian government to reduce spending. Those calling for government
Scam alert: Scammers impersonating banks in text messages, phone calls and emails
Background There’s a rise in criminals calling, emailing or messaging people and pretending to be from the bank so that they can steal your
Underinsurance: What it is and how to avoid it
When disaster strikes, the last thing you want to discover is that your insurance doesn’t stretch far enough. What is home underinsurance?
Super tax shake up
Superannuation tax rules are changing again and there are implications for those with very large balances as well as those on lower incomes. In a
How cutting the capital gains tax discount could help rebalance the housing market
Capital gains tax is once again the subject of parliamentary debate, with Treasurer Jim Chalmers declining to rule out options for reform. Along with
The silent partner in your wealth plan
When you think about building wealth, you may picture investments, property and superannuation. But there’s another critical element: insurance.
Work out how much you need to retire
Discover ways to answer the common question ‘How much do I need to retire?’ Learn about retirement costs How much retirement costs depends on
Position your portfolio for what’s next
A volatile geopolitical landscape, rapid technological shifts and evolving energy systems are helping to reshape investment returns. As we settle
Higher geopolitical risk premiums support commodities
Commodities delivered strong headline returns in 2025. Yet, beneath the surface, this rally was quite uneven—precious metals rose by roughly 80%,
Does ‘free’ shipping really exist? An expert shares the marketing tricks you need to know
You’re scrolling through an online retailer, like Amazon, Shein or eBay, and spot a shirt on sale for $40. You add it to your cart, but at
Salary sacrificing super
How a salary sacrifice arrangement can be used to make voluntary super contributions. Benefits of salary sacrificing You and your employer can agree
Work out how much you need to retire
Discover ways to answer the common question ‘How much do I need to retire?’ Learn about retirement costs How much retirement costs depends on
Position your portfolio for what’s next
A volatile geopolitical landscape, rapid technological shifts and evolving energy systems are helping to reshape investment returns. As we settle
Salary sacrificing super
How a salary sacrifice arrangement can be used to make voluntary super contributions. Benefits of salary sacrificing You and your employer can agree
What exactly is inflation, and are interest rates the only option for dealing with it?
Just when we thought it was safe to return to the supermarket aisle, it seems inflation has come back to bite us again. Worse, the Reserve Bank of
The silent partner in your wealth plan
When you think about building wealth, you may picture investments, property and superannuation. But there’s another critical element: insurance.
Superannuation and relationship breakdown
How your super is affected if your marriage or relationship breaks down. Overview If your relationship with your spouse ends, you should be aware of
Underinsurance: What it is and how to avoid it
When disaster strikes, the last thing you want to discover is that your insurance doesn’t stretch far enough. What is home underinsurance?
Private credit’s third act: Reconnecting with banks
Understanding how market maturity is reshaping private risk credit Private credit has moved from the edge of finance to an established component of
Does ‘free’ shipping really exist? An expert shares the marketing tricks you need to know
You’re scrolling through an online retailer, like Amazon, Shein or eBay, and spot a shirt on sale for $40. You add it to your cart, but at
What exactly is inflation, and are interest rates the only option for dealing with it?
Just when we thought it was safe to return to the supermarket aisle, it seems inflation has come back to bite us again. Worse, the Reserve Bank of
Dealing with illness
Dealing with illness is often unexpected and stressful. Getting emotional and financial support can help you manage. Here, we explain how you could
Age Pension increase offers relief as deeming rates rise gradually
The Federal Government increased the Age Pension from 20 March 2026, alongside a gradual rise in deeming rates. Advocacy group COTA Australia says
Scam alert: Scammers impersonating banks in text messages, phone calls and emails
Background There’s a rise in criminals calling, emailing or messaging people and pretending to be from the bank so that they can steal your
Superannuation and relationship breakdown
How your super is affected if your marriage or relationship breaks down. Overview If your relationship with your spouse ends, you should be aware of
Credit scores and credit reports
Lenders use your credit score (or credit rating) to decide whether to give you credit or lend you money. Knowing this can help you negotiate better
Private credit’s third act: Reconnecting with banks
Understanding how market maturity is reshaping private risk credit Private credit has moved from the edge of finance to an established component of
7 simple steps to get on the investment ladder
Entering the world of investing can be a life-changer for people of all ages. Here are seven simple steps for beginners to start their wealth
Is Australia at risk of a recession? Here’s what the data actually shows
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
How does your super balance compare to other people your age?
If you have ever checked your super balance and wondered whether you are “behind” for your age, you aren’t alone. To see where you truly sit,
AI and money decisions
Using publicly available, general-purpose artificial intelligence (AI) for money questions? Learn when it can help, and when you should get more
I’m close to retirement age. What are my options for drawing on my super savings?
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
The Iran war and markets: Keeping perspective amid uncertainty
There’s a particular kind of unease that creeps in when market headlines start mixing geopolitics with talk of oil prices and recessions. That
What is share market volatility
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
Payday Super Regulations: further details for SMSFs
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
Look beyond traditional diversification
Investors can employ diversification strategies beyond just asset allocation The concept of diversification, not putting all your eggs in one basket,
Can I access my super early?
Many older Australians are understandably eager to access their superannuation, but strict rules apply. For many Australians, superannuation will be
Your home in retirement
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
Get prepared for June 30
Tax time is just around the corner, so now is the time to get ahead and find out what strategies may be available to you before 30 June. Time for a
Your 30 June superannuation checklist
Five easy ways to get more into your super fund before the end of the financial year With the end of the current financial year fast approaching,
Magnificent Seven: More diverse than they may appear
The Magnificent Seven are more diverse businesses than their shared label suggests The “Magnificent Seven.” It’s an understandable, memorable,
Five things to put in place before you retire
Take these steps to set yourself up for a confident transition to retirement For many Australians, the final couple of years before retirement can
Choosing home insurance
Home insurance protects one of your most important assets. What is home insurance Home insurance covers the cost of repairing or replacing your house
Australian vs international shares – finding the right balance
Balancing Australian and global shares means weighing growth, income & currency risk Getting investment exposure to global companies through
Seniors face health insurance bill shock of up to $1,600 a year
Older Australians could face health insurance price rises three times higher than others under new government rebate changes. Here’s what families
Retirement income options when markets are volatile
The income assumptions many have carried into retirement are being tested in the current economic climate. Markets have lurched from one direction to
Finding balance in fixed income
Higher yields and income keep bonds resilient amid volatility The first quarter of 2026 has delivered no shortage of headlines, with sharp moves in
The property vs shares debate heats up
Property booms and market swings shape the case for property and shares Hot property markets and volatile share markets add extra intrigue as
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Creating a retirement financial plan
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
Bills of exchange
Bills of exchange can look and sound similar to term deposits, but they do not have the same protections and carry a high risk of losing money. What
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How much do you really need to retire? It’s probably a lot less than $1 million
Every few months, someone in the superannuation industry declares that Australians now “need” around A$1 million to retire comfortably. It’s a
Insider trading
Acting on a hot tip might sound like a good idea when investing but if that hot tip is inside information, it might lead to heavy fines or prison
Searching for lost super
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
Almost 3 million workers will get a 4.75% pay rise in July. But wages can’t catch up with inflation
Around 2.8 million of Australia’s lowest-paid workers got a 4.75% pay rise from July 1 this year, after the latest Who benefits from this decision
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Superannuation: more relevant than ever
A range of superannuation changes that came into effect on 1 July 2026, are reinforcing the role of super as one of the most tax-effective investment
What’s your risk profile?
Understanding your risk profile is one of the most important steps you can take as an investor. It helps shape how your money is invested and whether
Make your money last in retirement
Here are some ways to help you get the most out of any retirement savings. Do a retirement budget When you retire, some of the things you spend your
SMSF record-keeping requirements
How self-managed super fund (SMSF) trustees can meet their responsibility to keep accurate tax and super records. How self-managed super fund (SMSF)
Six strategic investment moves for mid-career women
As women enter their mid-career years, many begin to earn more and have greater capacity to invest. Making the most of this window can play a crucial
Departing Australia superannuation payment
If you’re a temporary resident of Australia, how to claim your superannuation when you leave. Eligibility for Departing Australia
Support at Home personal care contribution changes
The Support at Home program was introduced in November 2025 and replaced the Home Care Packages Program and the Short-term Restorative Care
The case of Unlucky Steve, who bought before every crash
Even investors who bought at the worst possible moments over 25 years still more than tripled their money One of the most common fears investors face
Downsizing your home
Downsizing at a glance Downsizing your home can reduce the size of your mortgage and ongoing running costs in some situations, but buying and selling
Australian scam victims could get rapid $3,000 refunds.
Australians scammed out of A$3,000 or less could be able to claim automatic reimbursement from banks, phone companies or tech companies, under a new
Who has access to my bank details? What protections are in place to prevent misuse?
Two brothers – Paul Issa and Phillip Issa – fronted court in Sydney recently, both facing criminal charges after allegedly accessing the personal
How SMSFs are taxed
How self-managed super funds (SMSFs) are taxed, what is assessable income, and what are allowable deductions. Tax on income Self-managed super funds
Dividend versus growth investing – which option suits you?
Picking an investment strategy depends on your life stage, income needs and tax factors When considering a strategy for investing in shares, a good
Understanding concessional and non-concessional contributions
Understand which contributions are before-tax or after-tax and how super and tax rules apply to them. Tax and restrictions on contributions Your
What the Payday Super changes mean for your retirement
Significant reforms to the Australian superannuation system are about to take effect and could help people boost their super balances in the lead-up
The winners, the laggards, and the next phase of AI investing
Why not all tech stocks are benefiting from the AI boom For Australian investors with a keen interest in markets – and technology shares in
Tips and tricks for cutting costs
Discounts, offers and rewards programs Cost of living is impacting people across Australia, with everything from interest rates to the weekly grocery
New consumer protections for Support at Home services
The Australian Government has announced it is introducing new consumer protections for Support at Home participants. These are in addition to
Perspective, not policy, drives long-term investment success
In the weeks after the Federal Budget’s announcement to change the rules for negative gearing and the reduction to Capital Gains Tax (CGT),
Record SMSF growth driven by digital access
Record SMSF growth driven by AI and digital tools, but admin and compliance challenges persist 48,500 new SMSFs were established in the 12 months to
Six ways Gen X can build retirement savings
Making the most of your peak earning years Many Gen X Australians are now in their peak earning years and retirement is not too far away. While many
How to maximise the impact of your inheritance
Australia’s $3.5 trillion wealth transfer: how to invest an inheritance wisely Australia is entering one of the largest intergenerational wealth
Income streams
These are regular payments made from your superannuation fund or purchased using either superannuation money or savings. Keep in mind, these are
How to plan for unexpected illness and injury
Get the help you need If you’re faced with a sudden accident or injury, or you have a chronic illness, getting help can be tough, and that’s
Shares: What is an IPO
There are a number of ways to buy shares, including when they first float. How investing in shares works A share is part ownership in a company.
Insurance through super
Most super funds offer insurance through super, including life, TPD, and income protection. Types of life insurance in super Most super funds (except
AI and jobs: Still in an ATM phase
AI may change jobs, but history suggests mass job losses are unlikely Every wave of technological change seems to arrive with a familiar prediction:
Can I still get the Age Pension if my super is healthy?
A healthy super balance doesn’t always rule you out of the Age Pension Many Australians assume a healthy super balance means they’re
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