A super strategy for self-employed people
Your Business

A super strategy for self-employed entrepreneurs

- October 11, 2021 3 MIN READ

You don’t have to make contributions to your superannuation when you’re self-employed. But if you don’t have a sensible super strategy, you’re probably not going to love retirement. Firstly, congratulations. Taking control of your life by working for yourself is commendable. I salute you, because I know it’s not the easiest of paths to take.… Read more »

Is salary sacrificing right for you?
Your Money

Is salary sacrificing right for you?

- September 27, 2021 5 MIN READ

Salary sacrificing can be an attractive way to buy the stuff you need while reducing your taxable income. But it’s not necessarily for everyone. Salary packaging can be a complicated thing to get your head around. Whether it’s right for you depends on your income, work arrangements, buying habits and even your retirement plans. What… Read more »

Why you're probably going to be poor in retirement
Your Life

Why you’ll probably be poor in retirement

- September 15, 2021 6 MIN READ

Nobody wants to be poor in retirement, especially if you’re living the good life now. Which is a significant part of the problem… We’re generally pretty bad at thinking ahead. It’s human nature to care more about our immediate satisfaction and happiness than making sacrifices for the benefit of some vague point in the distant future.… Read more »

How to read your superannuation statement
Your Money

How to read your superannuation statement

- August 30, 2021 3 MIN READ

Each year your superannuation statement is one of the most important bits of paper you’ll receive. Here’s our jargon-free guide to help you read your super statement to ensure your fund is delivering what you need. The average Australian is among the richest in the world. Why? Because of the value of their home and… Read more »

The long term cost of panicking in a crash
Your Money

The massive long term cost of panicking in a crash

- August 20, 2021 2 MIN READ

Research group SuperRatings have completed a fascinating, and important, lesson into the cost of panicking in a crash. I know sharemarket crashes are stressful, but history tells us that those that keep their nerve come out winners. SuperRatings has proved the point. They looked at the impact of switching out of a balanced or growth… Read more »

Best superannuation funds
Your Money

The best superannuation funds over the past year

- July 26, 2021 3 MIN READ

Even though you may not own any shares directly, it is worth following the health of the sharemarket because your superannuation fund is doing it for you. The good news is that your retirement nest egg has certainly had a big boost from the booming sharemarket. The top 20 performing balanced option super funds all… Read more »