There are few life transitions as emotionally complex as approaching the need for aged care. Whether it arises gradually through declining health or suddenly after an unexpected event, the decision can feel overwhelming. For many individuals and families, it represents far more than a change in living arrangements — it can symbolise loss of independence, […]
A Self-Managed Super Fund (SMSF) offers individuals greater control over their retirement savings, allowing them to choose a variety of investment options. To maximise long-term returns and financial security, it is essential to understand the available investment avenues and develop a strategic approach. Here’s a look at key ways to invest through an SMSF and […]
As I move through the later years of my life, I’ve come to realise that ageing is not just a physical process but an emotional and deeply personal journey. It invites me to pause, reflect, and take stock of what matters most now and in the years to come. This self-assessment is an opportunity to […]
Key points Over the long-term Australian shares have been a relatively strong performer, but it does go through relatively long periods of out and underperformance versus global shares. We see more upside in Australian shares supported by the return of profit growth. And its underperformance over the last 16 years is getting long in the […]
Aged care is one of those topics many families avoid until circumstances force a decision. When things change suddenly — a fall, a health event, or a noticeable decline — choices can feel rushed and emotional. Starting the conversation earlier doesn’t make it any less sensitive, but it does make it far more manageable. These […]
Inflation has outstripped wage growth for the first time in more than two years, despite many workers receiving a recent boost to their pay packet. December quarter wages data released on Wednesday by the Australian Bureau of Statistics showed seasonally adjusted wages rose 3.4 per cent for the year, up from 3.3 per cent, keeping […]
Aged care is a broad term used to describe the support and services provided to older Australians who need help with everyday living as they age. This can range from basic assistance at home—such as cleaning, meals, and transport—through to higher levels of care, including personal care, nursing support, respite care, and full-time residential aged […]
Key points Keeping inflation low and around target is important in terms of maximising living standards in Australia. We are optimistic that much of the recent rise in inflation will prove temporary. But some may reflect the economy hitting capacity constraints as a pickup in household and business spending combines with historically high levels of public spending. The best things governments […]
Thinking about aged care is something many families put off until they’re forced into making decisions quickly. A fall, a hospital stay, or a sudden change in health can turn “we’ll deal with it later” into an urgent and emotional process. The reality is that aged care is complex, and starting early makes a meaningful […]
A Self-Managed Super Fund (SMSF) offers individuals more control over their retirement savings, but it comes with significant responsibilities. This checklist outlines key considerations and requirements to help ensure compliance and effective fund management. Understanding Responsibilities As an SMSF trustee, you’re responsible for complying with superannuation and taxation laws. This includes meeting reporting and […]
Whether it’s your parents or grandparents who are living with you, providing aged care comes with its own set of challenges. As time passes, you may realise that communicating with a senior can get more difficult as they advance in age. Daily encounters can become fraught with friction as the roles, responsibilities, and feelings of […]
There is a sharp divide in men’s and women’s confidence in their lives after work, with women significantly more worried and less likely to seek help. Nearly three in every four Australian women are worried about having enough superannuation to retire on, compared to 56 per cent of men, according to a report by wealth […]
The importance of personal financial planning can’t be overstated, regardless of your age. Proper financial planning can offer a safety net for you and your family while giving you the freedom to make informed choices. Many adults worry about the fundamental aspects of finance, such as retirement planning and investment basics, indicating the broad relevance […]
Buying property off the plan offers numerous benefits, but it also comes with some challenges. This guide will explore the advantages and disadvantages to help you make an informed decision. Advantages of Buying Off the Plan More Customisation Options Purchasing off the plan allows you to personalise your property by selecting layouts, finishes, and […]
Here are five practical, compassionate tips to help an older person move to aged care or a retirement home—and, just as importantly, to help them feel on side and able to speak positively about this next chapter of life. While “getting excited” about the move may be unrealistic, helping an older person feel heard, respected, […]
