How to Manage Lower Investment Returns as You Get Closer to Retirement
A period of low investment returns can happen when you least expect it, and at a time when it is most difficult to deal with. One of the more challenging times is when yo
Budgeting on an Irregular Income: A Guide for Sole-Trader Contractors and Freelancers
Budgeting can be hard enough for those in regular employment, who need to cover today’s bills as well as, hopefully, tomorrow’s emergency savings and investment in th
Why Your Borrowing Capacity Can Change Even if Your Income Hasn’t
It’s been a while since you last had a salary increase, so the amount you could borrow as a home loan is the same as last time you checked, right? Wrong. Your salary
How Many Bank Accounts Should You Really Have?
There’s no such thing as a perfect number of bank accounts that will suit everyone. But there are good reasons for avoiding the extremes of having only one account stru
Individuals: simpler deductions and targeted cost-of-living relief
2026 Federal Budget Proposal What to know: $1,000 standard tax deduction: removes need to track minor work-related expenses. $250 annual tax offset: applies fr
Discretionary trusts: 30% minimum tax from 1 July 2028
2026 Federal Budget Proposal Why it matters: The measure is designed to improve fairness in the tax system and help fund new tax cuts for workers. It reduces the benef
Negative gearing: restricted for established residential property
2026 Federal Budget Proposal Why it matters: For many investors, cash-flow losses on newly purchased established properties will no longer reduce salary or other incom
Capital Gains Tax (CGT): Discount replaced with inflation indexation
2026 Federal Budget Proposal Why it matters: The reform reduces the ability to achieve very low effective tax rates on capital gains and introduces valuation and re
A Smarter Way to Respond to Super Volatility
When markets get bumpy or household budgets feel tighter, it’s common for people to start questioning their super. If your balance has dipped or returns haven’t met e