2026 Federal Budget: What It Means for Investors Last night, Treasurer Jim Chalmers handed down the Albanese Government’s fifth Federal Budget. Unlike many budgets that pass quickly from memory, this one contains some of the most significant proposed changes to investment taxation Australia has seen in...
Division 296 Tax: What Australians with Larger Super Balances Should Know Superannuation is often one of the most tax-effective ways to save for retirement. But when the rules change, it can be difficult to know whether you need to act, wait, or simply keep an eye...
Your EOFY Super Checklist: What to Do Before 30 June 2026 June 30 has a habit of sneaking up on you. One minute it's the start of the year, the next you're scrambling to make sure your super contributions have cleared and you haven't left money...
When War Hits Markets: What History Tells Us — and What You Should Do Now If you've opened your super statement recently, or glanced at market news over the past few weeks, you've probably felt a familiar unease. Petrol prices are climbing. The news cycle is...
What Are Geared Investment Funds?* *And Why Borrowing for Shares Isn’t “Riskier” Than Borrowing for Property Many Australians are comfortable borrowing hundreds of thousands of dollars to buy an investment property. Yet the idea of borrowing to invest in shares often feels “too risky”. Some even believe...
Why Retirement Planning Starts the Day You Start Working For many people, retirement can feel like a distant milestone — something to think about “later.” But the truth is, the best time to start planning for retirement is the moment you earn your first paycheck. The...
Is It Time to Start Planning for Private School Fees? Key Takeaways The average cost of private education in NSW is over $400,000 per child from Kindergarten to Year 12. Term 3 is open day season—making now the ideal time to start budgeting and planning. Education...
RBA Cuts Interest Rates: What It Means for Borrowers The Reserve Bank of Australia (RBA) has reduced the official cash rate by 25 basis points to 4.10% following its latest monetary policy meeting. This move was widely anticipated as inflation eased from 3.6% in the September...
Protecting Your Wealth: How to Avoid Financial Scams In today’s increasingly digital world, financial scams have become a significant threat to investors. This article will explore common types of financial scams and provide practical advice on how to protect your assets from these risks. Understanding Financial Scams Financial...
What is Div. 293 Tax Div. 293 tax is an additional 15% tax that may apply to the concessional contributions (CCs) of higher income earners. Div. 293 tax is payable when your income and CCs, within their CC cap (known as ‘low tax contributions’), exceeds $250,000 in...