There is something deeply hopeful about the fact that we are living longer than previous generations. Advances in medicine, safer living conditions and better healthcare have given many of us more time than our grandparents could have imagined. But alongside that good news is a quieter reality that deserves attention. Researchers now talk about the difference between lifespan and healthspan. Lifespan being the total number of years we live and healthspan is the number of th

Over recent decades, many Australian families have relied on getting money from the “Bank of Mum and Dad” to help with home purchases. But this latest research shows there are growing legal risks from that trend. Researchers spoke to 80 older parents and adult children. Most were from Sydney and had either given or received family money to help with buying a home. Typically, people in this study had provided or received an average of $75,000, though in one case it was $500,00

The Federal Government is planning to introduce a 30 per cent minimum tax on family trust discretionary trust income

Most super funds offer insurance through super, including life, TPD, and income protection. Types of life insurance in super Most super funds (except self-managed super funds) offer 3 types of insurance to members: Life cover (also called death cover) pays a lump sum or income stream to your beneficiaries. It pays when you die or you have a terminal illness. Total and permanent disability (TPD) insurance pays a benefit if you become seriously disabled and you're unlikely to w

A healthy super balance doesn't always rule you out of the Age Pension Many Australians assume a healthy super balance means they're not eligible for the Age Pension. But that's not always the case. If you have a decent superannuation balance and other financial assets, you may have ruled out the possibility of getting the Age Pension. Depending on your age, living arrangements, income and assets you may still qualify for a full or part pension. From July 1, 2026, the Austr

Maybe you’re a new parent or someone who lies awake at night. If so, you may have started to worry you’re not getting enough sleep. Sleep wearables don’t help. They can show your “sleep debt”, a running total of how far you’ve fallen behind. But the word “debt” assumes your sleep works like a bank account. It assumes lost hours stack up, carry over, and you must eventually repay them in full. But sleep doesn’t really work this way. And chasing “enough sleep” may not be helpin

It can feel as if artificial intelligence (AI) makes its way into almost every conversation, and especially for investors. From headlines about trillion-dollar technology companies to predictions that entire industries will disappear, we are being bombarded with AI news, forecasts and investment themes every day. For investors, the challenge is in determining who will ultimately capture the value and how to avoid concentrating portfolios around a handful of highly publicised

Significant reforms to the Australian superannuation system recently took effect and could help people boost their super balances in the lead-up to retirement. They are being billed as the biggest changes in decades to the superannuation system in Australia and the reforms may support improved retirement outcomes for Australians. From July 1, 2026, the new set of laws known as Payday Super altered the way compulsory retirement savings are paid, which may have long-term implic

In the weeks after the Federal Budget’s announcement to change the rules for negative gearing and the reduction to Capital Gains Tax (CGT), headlines continue to spark debate, and a familiar question lingers: what does this mean for my investments? With ongoing global developments layered on top, it can feel as though some form of action is required. But for long-term investors, the Budget itself is rarely the greatest risk to financial success. More often, it’s how we respon

Australia’s $3.5 trillion wealth transfer: how to invest an inheritance wisely Australia is entering one of the largest intergenerational wealth transfers in its history. Over the next two decades, Australians aged 60 and over are expected to transfer around $3.5 trillion in wealth1. As more Australians receive an inheritance, taking time to develop a clear plan may help turn inherited wealth into long-term financial security. Whether your inheritance is a modest sum or worth