Insights

Preparing for another savings pinch

Preparing for another savings pinch

The bad news for savers relying on income returns is set to continue Australia’s underlying level of inflation is continuing to fall, and which paved the way for another official interest rate cut when the Reserve Bank of Australia (RBA) board met earlier in the month. It was welcome news

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What are the SMSF investment restrictions?

What are the SMSF investment restrictions?

About SMSF investment restrictions SMSFs are complex, here we have outlined some of the restrictions to help you before you make any decisions on self-managed super fund (SMSF) investment. You must ensure you understand any restrictions on SMSF investments to avoid any penalties. There are some exceptions, however, generally your

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Know your new limits under the age pension tests

Know your new limits under the age pension tests

Understand the latest indexed changes to the pension income and assets tests Receiving the full government Age Pension, or even a partial pension payment, can provide eligible retirees with a significant amount of income over time that can supplement income earned from other assets. Millions of Australians are eligible to

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Retirement villages and occupancy arrangements

Retirement villages and occupancy arrangements

What is a retirement village There are so many options when it comes to moving into a retirement village. Here we explain what some of them are along with the contractual arrangements you may have for each accommodation. A retirement village is accommodation: intended for people who are 55 years or

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Why rebalance a multi-asset portfolio?

Why rebalance a multi-asset portfolio?

Maintaining diversification, managing risk, and enhancing long-term returns Multi-asset portfolios are designed to provide diversification by spreading investments across various asset classes to reduce risk. Over time, however, some asset classes may become overweighted (or underweighted), potentially reducing a portfolio’s overall diversification. For example, if equities perform exceptionally well, a

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Multiple super accounts can erode your retirement savings

Multiple super accounts can erode your retirement savings

Millions of Australians hold multiple super accounts — and it could be costing them Vanguard’s late founder, John C. Bogle, was known for championing the importance of reducing investment costs. It’s a principle that’s especially important for long-term investments like superannuation. For Australians, a common scenario is having multiple superannuation

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Trusts are back in the ATO spotlight

Trusts are back in the ATO spotlight

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 managed. Trusts remain central to many wealth and succession plans, but their complexity means they also attract compliance scrutiny.i Closer attention to how trust structures are

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How to get a good credit score

How to get a good credit score

What is a good credit score? Your credit score, also known as your credit rating, is a number that represents your creditworthiness. This shows the credit card or loan provider what your history of credit use is and if you’re able to manage your debt(s) effectively. A credit score is

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Your future just got a super boost – are you ready?

Your future just got a super boost – are you ready?

With the new financial year comes a fresh wave of superannuation changes that could make a real difference to your retirement savings. Let’s unpack what’s changing – and how to make the most of it. The SG rate hits 12% One obvious lift to retirement incomes is the increase in

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