Catch Up on Super Contributions  

Catch Up on Super Contributions  

Very few younger people make extra voluntary superannuation contributions. Yet it makes sense to add extra contributions because the amount channelled into super by retirement time converts into a totally tax-free investment paying a tax-free income. People fail to...
Build Wealth by Borrowing to Invest

Build Wealth by Borrowing to Invest

Buying investments with borrowed money sounds like a high-risk strategy. What if the investment values collapse? You will still owe the money borrowed and the investments will be worth less than the amount borrowed. It could be a disaster. Something to avoid. Wait a...
Bitcoin is Here to Stay  

Bitcoin is Here to Stay  

When bitcoin first appeared it was an odd curiosity that very few people took seriously. It was assessed as a fad that wouldn’t last. Yet strangely, it didn’t fade away as expected. Its price shot up, then collapsed as the critics predicted, to a fraction of its...
Retirement Funding Preferences

Retirement Funding Preferences

The best way to fund retirement continues to be a topic of debate. There is great appeal in the age pension. It is guaranteed by the Government and underwritten by its ability to collect taxes. Any politician who wants to reduce the pension does so at the risk of...
APRA Questions Industry Super Funds  

APRA Questions Industry Super Funds  

Industry superannuation funds continue to be questioned by regulators over aspects of their operation. The Australian Prudential Regulatory Authority (APRA) first raised concerns about the management of the funds as early as mid 2023. There is concern about the high...
Wealth Building Options

Wealth Building Options

There are several strategies commonly used by Australians to build their wealth. Some people have a clever idea for a business, see an opening in the market that isn’t being satisfied, or are just very passionate about their work. They take on the risk of failure and...