Month: April 2026

Here’s a truth most Australian 30-somethings discover too late, the super contributions you make this decade will outperform those you make in your 40s and 50s, even if you contribute less. Why? Because time is your secret weapon, and compound returns are doing the heavy lifting. The power of early contributions Think of your super … Read more

Ten years ago, neighbours Phil and Ann were both 55 and eyeing retirement. Phil built a portfolio of high-yielding mining stocks paying 8% dividends, generating immediate cash flow. Ann chose steadily growing companies like Woolworths and Telstra, accepting a modest 4% yield. Ten years later, Phil’s income barely budged while costs climbed 30%. Ann’s growing … Read more

More Australians qualify for the pension than you’d think Here’s a number that surprises most retirees: you don’t need to be asset-poor to receive the Age Pension. A single homeowner can hold up to $722,000 in assessable assets and still receive a part pension; for a homeowner couple, that threshold rises to $1,085,0001. Even a … Read more

Sarah borrowed $700,000 at 5.8% to purchase an investment property that generates $650 in weekly rent, with tax-deductible interest. Next door, Marcus owes $18,000 across three credit cards at 20% interest, funding holidays and new furniture. Both have debt. Sarah is building wealth tax effectively, while Marcus is hemorrhaging money to interest charges. The distinction … Read more

The sale you’ve worked your whole life for For most business owners, the day you sell is the single largest financial event of your life. It’s the moment when decades of sacrifice, risk, and relentless effort are converted into a number. And yet, an extraordinary number of Australian business owners arrive at that moment underprepared, … Read more

When you start investing, two crucial questions determine your strategy: how long until you need the money, and how much risk you can handle. Time horizons Your time horizon is how long you plan to invest before needing your money back. Saving for a house deposit in three years? That’s a short time horizon. Building … Read more