Today
The $1 million cost of not asking for a pay rise
Hundreds of thousands – even millions – of dollars quietly disappear over the course of a career. It’s a financial catastrophe in slow motion.
Yesterday
A $480,000 opportunity for Australians who did a stint in London
Thanks to an unusual provision in UK law, Australians who worked in the UK for at least three years may be eligible to claim a state pension.
This Month
Should mum or dad pay for childcare?
Having a baby is a pivotal point in moving from casually pooled finances to a family money system.
This is what a $5 million retirement budget looks like
We asked financial adviser Olivia Maragna to devise a plan for a couple entering retirement with a generous super balance.
What to do when disaster strikes your holiday house
While loss or damage to a beloved family retreat may not be as wrenching as a hit on your main home, the process of getting it fixed has challenges that can be equally infuriating, baffling and stressful.
How to get a tax break on your EV before it’s too late
The tax break means car buyers can afford an EV that’s $20,000 more expensive than the petrol version. Here’s how to take advantage of this perk.
Fighting over finances? You might need a money date
Coming to the meeting with the mindset that you’re going to be able to figure it out together is crucial.
5 ways financial planning is like marathon training
Elite athletes understand that high performance stems from the compounding effect of many good decisions. The same principle applies to wealth building.
We’re helping our son buy a home with his girlfriend. What if they split?
Giving your kids a hand to get on the property ladder can be complicated if there’s another party involved.
Habit stacking and the yearly, monthly and daily steps to hit goals
What do training for an ironman competition and hitting your money targets have in common? More than you might think.
How investors can capitalise on the property ‘super cycle’
The structural imbalance between supply and demand in the housing market means the only way is up, and it might be time to reconsider Melbourne.
Here’s a tip: people resent being watched while they press ‘no tip’
Payment terminals with automated tipping prompts have increased tipping here – but new research shows customers hate the “tip surveillance” that goes with it.
I’m a high earner. Can I use a family trust to lower my income tax?
The rules for professional services partners and high-earning employees are different when it comes to using family trusts for income.
Five shares that have outperformed property over the past five years
Property will always have a place in a well-rounded investment strategy, but the idea that it is the only way to build wealth is outdated.
February
Why ASIC is suddenly uneasy about your retirement savings
The corporate regulator just released its first major look at “opaque” private markets. This is what we learned.
Six big retirement risks and how to overcome them
Growing older means less time to recover from market crashes but ultra-conservatism carries its own risk.
How does your SMSF stack up?
It is impossible to deliver a return each year consistently exceeding what you would receive outside a SMSF if your balance is less than $200,000.
Doing this could increase your retirement income by thousands
Retirees may not know that using their superannuation to buy an annuity can boost their Centrelink age pension payments.
Five things those who retire early have in common, other than good pay
Want to say goodbye to working for a living? Make sure you understand why first, and then it’s time to get out the calculator.
Do I need a financial planner and how do I find the right one for me?
Financial advice isn’t cheap, so if you’re going to get some help with your money, here’s how to make sure it pays off.
We have $4m in super. How much can we safely spend each year?
Nobody knows how long they will live, which is what makes budgeting in retirement so tricky.
What to do next if you’ve paid off half your mortgage
Repay the mortgage in full, invest or bulk up your super? This is what financial advisers say.
How to use the rate cut to slice nearly $100,000 off your mortgage
Clever borrowers could shave off up to two years and about $96,000 from a $1 million mortgage with just one simple step.
Major parties’ housing policies will trap young buyers in lemons
A glut of entry-level housing could deny first home buyers the sort capital gains that made their parents wealthy.
This could be the decade of the 50/50 portfolio
It’s been a fun tech-fueled ride on equity markets but now’s the time to buy more bonds.