Insights

The Australian Bureau of Statistics report our saving ratio is at a 17-year low – just 1.1% of total disposable income1. Almost half (45%) of

Generally speaking, we Australians are pretty financially savvy, that is, we understand the how and why of effectively managing our money. Unfortunately, that doesn’t mean

According to the Australian Bureau of Statistics (ABS), Australia’s national gender pay gap is 12%. As of November 2023, the full-time adult average weekly ordinary

The first quarter of 2024 saw the Government roll out considerable changes to the Stage 3 Tax Cuts, inflation continuing to slow but remaining stubbornly

Benefits of diversification Diversification has several benefits for you as an investor, but one of the largest is as a strategy to reduce investment risk

Steve and Sue Smith have worked hard all their lives, paid their taxes, and now that they have retired, they feel they are entitled to

Popular in the days before compulsory superannuation, investment bonds fell out of favour as super became the preferred tax-advantaged environment. With tighter restrictions on superannuation

Retirement can be a time of immense freedom and opportunity, but it’s important to remember that it’s also a major life transition. While it’s important

Personal concessional contributions are contributions into your superannuation fund from your pre-tax income and are tax deductable. Your concessional cap is the maximum amount of

It’s challenging buying property. It’s tough scraping together a deposit, it’s not easy dragging yourself to one open-for-inspection after another (especially if you’ve been doing

Understanding your retirement income options How you organise your retirement income streams can make a huge difference to your quality of life. Here are some

Our emotions colour every aspect of our lives including our financial lives. Recognising how emotions can influence your financial decision making puts your rational side