What the end to the deeming freeze means for Age Pensioners If you receive the Age Pension, changes that came into effect on 20 September could affect your payments. Deeming rates used by the government to estimate the income pensioners earn from savings and investments have been frozen since May 2020. But recently changed. These … Read more
Ways of contributing to your spouse’s super There are 2 ways of contributing to your spouse’s super: You may be able to split contributions you have already made to your own super, by rolling them over to your spouse’s super – known as a contributions-splitting super benefit. You can make a super contribution directly to your … Read more
Making plans to move in with your partner or share finances can be exciting. Knowing your financial and legal responsibilities, and where to get help if you need it, can make your life together run more smoothly. Talk about your finances The earlier you start talking about your finances with your partner, the better. Understand … Read more
When you think about the markets, do you see promise or peril? Are you the type to believe the glass is half-full, or do you focus on the half that is not there? Your investing outlook can shape your decisions, influence your risk tolerance, and impact your long-term results. But which approach truly works best? … Read more
Mortgage debt is impacting the confidence of many retirees Vanguard’s How Australia Retires 2025 report reveals a concerning trend: more Australians are expecting to enter retirement with mortgage debt, and it’s having a real impact on how they feel about their financial future. The findings are based on a nationally representative survey of 1,800 Australians … Read more
How to keep your super safe The Australian Securities and Investments Commission (ASIC) has warned Australians to beware of high-pressure sales tactics aimed at getting people to switch superannuation providers. The regulator has warned that “clickbait” ads, comparison websites and promises of unrealistic returns are among the tactics being used to entice Australians into switching … Read more
Australia has seen a dramatic transformation of retirement over the past 20 years, with more Australians delaying retirement than ever before, reshaping expectations for later life. This shift matters because it marks a fundamental change in how people transition out of the workforce — with important implications for financial security in later life. The decision … Read more
Why holding too much cash could burn a hole in your investment returns Monthly data just released by the Australian Prudential Regulation Authority (APRA) shows households across the nation are now holding record levels of cash. APRA’s data shows the amount of cash held in authorised deposit-taking institutions (ADI) such as banks and credit unions … Read more
Vanguard’s newly released How Australia Retires 2025 report explores how Australians prepare for and experience retirement. Based on a nationally representative survey of 1,800 Australians aged 18 and over conducted in February 2025, the research reveals a significant gap in sentiment between working and retired Australians. While 65% of retirees expressed positive feelings about retirement, … Read more
Australians inherited an estimated $150 billion in 2024, an increase of more than 70 per cent in a decade, according to a JBWere report.i It’s a number that’s predicted to grow more rapidly over the coming 20 years to $5.4 trillion, the report finds. Managing this flow of wealth to family groups, often complicated by … Read more
