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Smart Investor

Today

A downsizer super contribution can be made regardless of your total super balance.

Four tips for upsizing super with downsizer contributions

If you’re 55 or over, you may be able to make a downsizer superannuation contribution to boost your retirement savings by up to $300,000.

  • Jenneke Mills
The changes apply to a suite of pre-2007 pension products.

At last, Labor has a plan for legacy pension exits

After years of delay, the federal government has produced regulations that will release retirees from restrictive legacy pensions.

  • John Wasiliev

Yesterday

If the goal is also financial education, a low-limit credit card may be best.

My son is off to uni. Should I give him a credit card for emergencies?

Set clear guidelines around what constitutes an emergency. Does a late-night taxi ride home from the pub qualify?

  • Penny Wise
The ATO looks at how lifestyles match up with declared income.

How the ATO caught taxpayers cheating on ‘lifestyle’ assets

The Tax Office has provided The Australian Financial Review with exclusive details about some recent investigations.

  • Duncan Hughes

This Month

Retirees may be drawn to private credit but private equity suits Millennials better.

Retirees and Millennials must take vastly different investment paths

The traditional investment thesis of recent decades may be blown apart by the fragmentation of investor cohorts.

  • Giselle Roux
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Investors who follow fads rarely get rich.

Why thematic ETFs are usually duds

Thematic exchange-traded funds – think electric vehicles, renewable energy or AI – promise to cash in on exciting trends, but are often disappointing.

  • Duncan Burns
Commonwealth Bank had been in a “hyper rally”.

How to know if it’s time to sell shares

Sometimes it’s best to sell slowly; at other times quicker is better. Experts weigh in on how to know when it’s time to sell.

  • Lucy Dean

September

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Parents’ eye-watering education bills don’t end with school

Helping kids get started in life has arguably never been more expensive. Plan and save early, experts say. We’ve also found the most generous scholarships available.

  • Michelle Bowes

The best and worst retirement calculators revealed

Wildly different answers emerged when the same scenario was plugged into dozens of super funds’ retirement calculators. Now a consumer group is demanding higher standards.

  • Hannah Wootton
Adults who inherit their parents super are required to pay tax on some of the money.

How to get your kids more tax-free super when you die

Re-contribution strategies allow you to withdraw money from super and put it back again to minimise tax for whoever inherits it. Such strategies are making a come-back, particularly in SMSFs

  • Meg Heffron
Warren Buffett might take advantage of bombed-out prices to buy certain properties at a discount.

Commercial property prospects that might excite Warren Buffett

If Warren Buffett applied his investing philosophy to Australian commercial property, what might he buy?

  • Sam Tamblyn
AFR

The $52b side hustle economy offers a shot at getting rich

The ATO estimates there are around 1 million side hustlers, including a fast-growing group of white-collar workers who dream of going into business for themselves.

  • Duncan Hughes
Use a free online data leak checker to see if your information has been involved in a hack.

SMSFs are a $1 trillion honeypot for hackers

The success of the retirement savings system has become an irresistible target for global cybercriminals.

  • Tim Mackay
There are a few tricks to follow when it comes to picking the best card.

Perks, points and fees: How to choose the right credit card

Understanding the four credit card types will help you make smart choices.

  • Lucy Dean
Three trends are making it harder for ASX investors.

Three ways the ASX has changed and what investors can do next

Finding yield, good value and diversification on the ASX is getting harder. We asked experts what investors can do to overcome the challenges.

  • Michelle Bowes
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Accessing your super early to save your business is probably illegal.

Can I access my super to save my business?

Using your superannuation for anything other than its intended purpose – your retirement – can be a legal minefield.

  • Penny Wise
The startup will instruct large language models to emulate the personalities of legendary investors including Warren Buffett.

Want to invest like Warren Buffett? This chatbot promises to help

A chatbot-powered ETF promises to harness the brainpower of the investment world’s most illustrious minds.

  • Vildana Hajric and Justina Lee
One company has come up with a solution for residents in retirement villages who stay longer than the average nine years: just keep charging them.

$1 trillion: Millennials drive SMSF ‘renaissance’

SMSFs are undergoing a renaissance thanks in part to interest from Millennials. But it’s not all good news because many operate without any expert guidance.

  • Peter Burgess
Centrelink pension payments are often calculated according to the combined assets and income of a couple.

How to maximise pension payments if one spouse is younger

Keeping a younger spouse’s super in accumulation phase can have the benefit of improving the age pension entitlement of the other person.

  • John Wasiliev
AFR

Disputes over the remains of loved ones are on the rise

Fights over funeral arrangements and ashes are increasingly ending up in courts. What to know about your rights and responsibilities.

  • Duncan Hughes

Original URL: https://www.afr.com/topic/afr-smart-investor-1mu8