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...
Mortgage Pressure Is Rising. Here Are Practical Ways to Respond A higher mortgage repayment rarely arrives on its own. It often lands alongside rising fuel costs, higher grocery bills and a growing sense that the household budget has less room to move than it did a...
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...
CGT Discount Changes: What a Cut Could Mean for Investors If you’ve built wealth by holding investments for the long term — whether that’s an investment property, a portfolio of shares, or managed funds — you’ve probably noticed the growing discussion about the capital gains tax...
The Real Cost of Schooling in Australia — and Why Families Need a Plan If you’re feeling like “school costs” have quietly become a second mortgage, you’re not imagining it. Futurity Investment Group’s Cost of Education Index modelling for children starting school in 2026 estimates the total...
2026 Market Outlook: Expect a Bumpier Ride — But Not Necessarily a Bad One After three strong years for diversified investors, 2026 is shaping up as a “normal” year again: positive returns are still plausible, but they’re likely to come with larger drawdowns, louder headlines, and...
RBA on Hold – What Next for Interest Rates and the Property Market? The Reserve Bank of Australia (RBA) has once again kept interest rates on hold, but the message coming out of the latest meeting was far from relaxed. While rates haven’t moved, the RBA’s...
How a Transition to Retirement (TTR) Pension Works As Australians work longer, it’s common to want more flexibility—perhaps moving to part-time work, reducing stress, or easing toward retirement. The challenge? A drop in work hours often means a drop in income. A Transition to Retirement (TTR) pension...
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...