All investments come with costs and, whilst these can’t be ignored, there are other key considerations to make when choosing the investment that’s right for you. These include aligning the investment with your goals and taking on a level of risk that you are comfortable with. Does an investment suit your goals? Some investments are …
Retirement is often talked about as though it is a single life stage. Work ends, income changes and people settle into a slower pace of life. But new research from the Institute for Lifetime Income suggests retirement is far more diverse than that.1 Australians are experiencing retirement in different ways, influenced by their confidence, mindset …
Australia has no compulsory retirement age. While some occupations may have age based limits for safety reasons, you can generally stop working when you want to. The big question is, how will you fund your lifestyle after you stop working? For many people, superannuation and the Age Pension will be two key sources of income, …
Many Australians don’t know how their super fund has performed or what it invests in. Are you one of them? Here’s what to check and why it matters. Do you know how your super fund performed over the last two years? Many Australians don’t and are working towards their financial future without fully understanding one …
Retirement isn’t a fixed destination. What you want from retirement today may look very different from what you imagined a few years ago. Life has a habit of changing plans. Maybe you’ve changed jobs, paid off your mortgage, started helping family members financially, experienced a health change or simply begun to think differently about how …
Making a commitment to share your life with another person is a significant milestone and there is a lot you can do to manage your money as a couple. Manage your money as a couple The earlier you start having conversations about your shared finances, the easier it is to establish shared goals and strategies …
Why is estate planning important in retirement? When planning for retirement, many people focus on whether they have enough money to support their lifestyle. But another important question is: What happens to your money, assets and loved ones when you’re no longer here? Estate planning helps answer that question. It brings together your legal, financial …
Separating from a partner is one of the most significant changes many people experience. Alongside the emotional impact, there are often practical decisions to make about housing, finances and future plans. One area that frequently causes confusion is superannuation. For many Australians, super is one of their largest assets, yet it’s often overlooked because it …
In Australia, special capital gains tax (CGT) rules apply to the transfer of assets from a deceased estate. The most common types of capital gains assets are property, shares and managed funds. You may have just received, or are about to receive, an inheritance. While this article provides a general overview and is not a …
Not in ten years’ time. Not when you’ve finished paying off the mortgage. Tomorrow. For many of us, imagining retirement isn’t the hard part. Whether we’d feel ready for it is another question entirely. A 2026 Real Retirement Report found that 54% of Australians say financial independence and having enough money to retire comfortably are …