15Nov

Vanessa Stoykov: What your kids teach you about wealth

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We are pleased to share with you a special piece from renowned Australian money educator Vanessa Stoykov. Below, Vanessa discusses how having children can profoundly alter our priorities, and subsequently change our approach to long-term planning. What your kids teach you about wealth by Vanessa Stoykov Any parent knows, having children is the most rewarding, […]

15Nov

High-income earners: Division 293 tax

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When looking at super contributions, a concessional contribution refers to a contribution that can be claimed as a tax deduction by the contributor. This can encompass mandatory (including Super Guarantee) and voluntary (including salary sacrifice) employer contributions, as well as personal deductible contributions. Importantly, the amount of concessional contributions is reduced by a contributions tax […]

15Nov

APRA updates: Home loan serviceability and income protection insurance

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The Australian Prudential Regulation Authority (APRA) is an independent statutory authority that supervises institutions* spanning banking, insurance and super, and promotes financial system stability in Australia. *Authorised deposit-taking institutions (eg banks, building societies and credit unions), general insurers, life insurers, friendly societies, private health insurers, reinsurance companies, and super funds (other than self-managed funds). In […]

15Nov

Retirement and housing (homeownership)

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According to 2016 Census data*, about 76% of over-65s are homeowners, while 12% are renters and 11% are in other tenure arrangements (eg living in a residential aged care facility or rent-free with family or friends). Notably, recent Grattan Institute research^ projects homeownership rates in over-65s will fall to 74% in 2026, 70% by 2036, […]