Month: February 2026
Income Protection: What Happens When You Can’t Work
Last month, Sarah broke her ankle playing netball on Saturday afternoon. Without the ability to drive or stand for long periods, her job’s impossible right now. Workers’ compensation? Won’t touch it. Why? The injury didn’t happen at work. She’s one of the lucky ones. She has income protection insurance. According to Insurance Watch, fewer than … Read more
Downsizing Your Family Home: Super Contribution Opportunities
Margaret’s decision At 62, Margaret stood in her four-bedroom family home in the northern suburbs, surrounded by decades of memories. With her children settled elsewhere and retirement approaching, the house felt too large. When her financial adviser mentioned the downsizer contribution scheme, Margaret discovered an opportunity to transform her property into a tax-efficient retirement strategy. … Read more
The 50/30/20 Rule: A Simple Framework for Financial Success
Managing your money doesn’t have to feel overwhelming. Suppose you’re in the accumulation phase of life. In that case, whether you’re building your first emergency fund, saving for a home deposit, or growing your super, the 50/30/20 rule offers a straightforward framework that can work with any income level. Understanding the framework The 50/30/20 rule … Read more
The art of the harvest: Balancing enjoyment and security in retirement
Retirement is the time to enjoy the fruits of decades of work, whilst ensuring your garden continues to provide for years to come. The art lies not in hoarding every bit of produce, nor in consuming it all at once, but in finding the right balance between present enjoyment and future security. The gardener’s wisdom … Read more
Emergency Funds: How Much is Enough?
Building an emergency fund is one of the most empowering financial decisions you can make. It’s your safety net, your peace of mind, and your buffer against life’s unexpected moments. If you’ve heard conflicting advice about how much to save, you’re not alone. Let’s take a few minutes to explore what makes sense for your … Read more
Reflecting on Your Financial Year: Top Lessons for Australian Investors
As we welcome 2026, it’s the perfect moment to reflect on the financial journey that was 2025, a year that tested our resilience and rewarded our patience. For Australian investors, 2025 brought its share of challenges and opportunities – from falling interest rates to market volatility and evolving superannuation rules. Taking stock of these experiences … Read more
