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…
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…
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.…
Definition and basic idea A managed investment scheme (MIS) in Australia is a pooling vehicle: many investors contribute money (or something of value) to acquire interests in the scheme, the contributions are pooled or used for a common purpose, and investors do not have day-to-day control over how the scheme is run. (Dentons) The Corporations…
Debt is a normal part of modern life, but managing multiple credit cards, personal loans, and other financial commitments can be stressful. One option Australians often consider is a debt consolidation loan—rolling several debts into a single repayment, usually with a lower interest rate or a more manageable schedule. While this can be useful, it…
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…
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…
Investing in property in Australia is rarely a simple matter of buying and holding. Regulatory constraints, tax factors, interest rate risk, credit policy changes, and evolving lending rules often mean that property investors face complexity that goes well beyond standard homebuyers’ scenarios. Many property investors, therefore, prefer to enlist the services of a mortgage broker.…
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.…
Before diving into techniques to save money, it’s worth pausing on why saving—even modest amounts—makes a difference. Psychological and mental-health benefits People who practice stable financial behaviours (such as regularly saving and paying off credit card debt) report better mental health, vitality, social functioning and general wellbeing. In short, saving reduces financial stress, gives you…
