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 …
Your approach to superannuation is likely to change as you near retirement. And while your own personal circumstances may influence how you approach super in your 60s, there are still a number of ways to give it a boost before you retire. Everybody has a different retirement in mind. Some want to travel the world …
Fake caller ID (also called caller ID spoofing) is a common technique that scammers can use to disguise their real phone number. It’s one of the ways they may try to impersonate your bank, super fund or a government agency, such as the Australian Bureau of Statistics (ABS). Australians lost almost $18 million to text …
You may have heard of investment platforms (or master trusts or wrap accounts, which are two types of investment platforms). An investment platform is an administrative system for your investments. Platforms offer a range of investments and services, all in the one place. They consolidate reporting, transactions, tax information and portfolio management into a single …
A reshaping of Australia’s financial landscape is underway, driven in large part by the Australian Prudential Regulation Authority’s (APRA) 2024 mandate to phase out bank hybrids by 2032. For decades, hybrids have been a cornerstone of Private Wealth client’s investment portfolios, offering a combination of yield, accessibility and franking benefits. As this market winds down, …