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

Take these steps to set yourself up for a confident transition to retirement For many Australians, the final couple of years before retirement can feel both exciting and unsettling at the same time. Work may be winding down, but the reality of living without a regular pay packet is getting closer. This is the stage where retirement planning shifts from “someday” thinking to practical decisions that will potentially shape everyday life for decades. As noted in Vanguard’s How

A range of superannuation changes that came into effect on 1 July 2026, are reinforcing the role of super as one of the most tax-effective investment structures available. For many investors, it’s not simply that super remains attractive but that the rules continue to change. Understanding these changes can help ensure your strategy takes advantage of available opportunities while staying on track with your financial goals. A changing tax environment Outside of super, tighter

Your favourite finfluencer’s content might sound good, but you should still run some checks before you commit your money. What is a finfluencer? Financial influencers (aka 'finfluencers') discuss financial products and services online through social media platforms and/or a website. Their content tends to be highly relatable, with personal stories relating to their finances paired with curated imagery of their lives. Some finfluencers are hobbyists; for some it’s their career

The income assumptions many have carried into retirement are being tested in the current economic climate. Markets have lurched from one direction to another; interest rates have lifted faster than expected, with the possibility of more increases in the months ahead, and there’s no end in sight to the global uncertainty. While the market shocks are interspersed with periods of relative calm, The Reserve Bank of Australia (RBA) warns that the disruption could pose challenges t

Balancing Australian and global shares means weighing growth, income & currency risk Getting investment exposure to global companies through share markets makes sense, but weighing up risks such as currency fluctuations is important. Many Australians have a justified love affair with the domestic share market. The Australian share market has delivered solid long‑term returns for investors, underpinned by strong performance across sectors such as financials and resources. Howe

Five easy ways to get more into your super fund before the end of the financial year With the end of the current financial year fast approaching, time is running out if you’re planning to boost your superannuation balance before 30 June. Even depositing a small amount of extra money into your super account before 30 June this year could make a big difference to your overall retirement balance over the longer term, thanks to compounding investment returns. Below are five ways

Retiring well means making a series of decisions to ensure a financially secure post-work life. One practical step is to work out the income you need each week to survive and thrive when you stop working. If you are one of the many Australians still working and growing your super, knowing more about tailored retirement income products might help to plan. There are two main ways to use super savings in retirement: through products that provide an income stream, and/or through