Splitting Superannuation

Splitting Superannuation Contributions with Your Spouse

Splitting Superannuation (also called contribution splitting) is a strategy that allows one spouse (or de facto partner) to transfer (in effect) part of the super contributions (before-tax/concessional contributions) made in a financial year into the other spouse’s super account. The key idea is not splitting the current super balance, but splitting certain contributions made in…

Clear Investment Goals

Why It’s Important to be Clear on Investment Goals

In today’s uncertain global economy, knowing exactly what you want from your investments has never been more important. The financial environment is evolving quickly. Shifts in global power such as the rise of BRICS, the growing influence of cryptocurrencies, the strong performance of gold and silver, and renewed interest in mining stocks all add layers…

Self-Employed

A Business Survival Checklist for the Self-Employed

Being self-employed offers independence, flexibility, and control. But with that comes extra financial responsibility and risk. Unlike employees who have regular pay, tax withholding, employer superannuation, leave, etc., you must manage much of that yourself. If you don’t plan, it’s easy for unexpected shocks, cash shortfalls, or misfortune to derail both business and personal finances.…

Online Super Funds

Online Super Funds: A Recipe for Financial Disaster?

Self-Managed Superannuation Funds (SMSFs) have become an increasingly popular choice among Australians who want more control over their retirement savings. According to the Australian Taxation Office (ATO), there are over 610,000 SMSFs with more than 1.1 million members, controlling nearly one-third of the country’s superannuation assets. While SMSFs offer flexibility, tax strategies, and the ability…

Successful Investing

11 Tips for Successful Investing

Investing means putting money somewhere now, in hope it will grow (or give you income) in the future. Rather than leaving cash under your mattress (or in a low-interest savings account), investing involves accepting some risk in return for a chance of better returns than inflation or simple savings. Returns might come from: capital growth…

Financial Stress

Why Australian Men Feel Financial Stress

Retirement is often portrayed as a time of relief, yet for many Australian men, it brings anxiety rather than peace. Rising living costs, debt, and uncertainty around superannuation and how long savings will last can lead to financial stress. That stress doesn’t stay “just financial” — it spills over into health, relationships, and mental wellbeing.…