How a salary sacrifice arrangement can be used to make voluntary super contributions. Benefits of salary sacrificing You and your employer can agree on a salary sacrifice arrangement (also known as salary packaging or total remuneration packaging) to exchange part of your salary or wages for benefits of a similar
Commodities delivered strong headline returns in 2025. Yet, beneath the surface, this rally was quite uneven—precious metals rose by roughly 80%, while the remainder of the Bloomberg Commodity Index underperformed cash by more than 3%. Less than three months into the new year, the commodities rally may be broadening beyond
When you think about building wealth, you may picture investments, property and superannuation. But there’s another critical element: insurance. It’s the silent partner in your financial strategy, quietly working behind the scenes to protect everything you’ve built. Strategic asset allocation is the hallmark of a robust wealth plan, using diverse
Discover ways to answer the common question ‘How much do I need to retire?’ Learn about retirement costs How much retirement costs depends on what you want out of retirement, and your individual needs and circumstances. The lifestyle you want may look different to another person’s, so your living costs
A volatile geopolitical landscape, rapid technological shifts and evolving energy systems are helping to reshape investment returns. As we settle into 2026, the challenge for investors is in understanding and taking advantage of (or avoiding, if necessary) these global trends. The artificial intelligence boom has taken much of the oxygen
There has been a spate of articles and commentary in recently calling on the Australian government to reduce spending. Those calling for government cuts – mostly long-time advocates of smaller government – claim this would lower inflation, and as a consequence, reduce interest rates. In fact, claims that government spending
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 money. The scammers ask you for personal or financial information or to transfer funds or to give them a one-time security code over the phone. They
Capital gains tax is once again the subject of parliamentary debate, with Treasurer Jim Chalmers declining to rule out options for reform. Along with negative gearing, the capital gains tax discount has long been suggested as one cause of Australia’s housing affordability crisis. The tax applies to the capital gain
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 progress in paying down debt and building significant savings can feel painfully slow. While managing expenses is important, there is another side
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 nutshell, the new plans include: more targeted tax rules for people with very large super balances extra support for low-income earners who contribute to super
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 overriding concern. It wants to stop the rising cost of living from becoming entrenched. For some, like self-funded retirees, the rate rise was good news.
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 and older to contribute up to $300,000 from the sale of their home into superannuation, outside of normal annual contribution caps. The idea was simple: improve
