All About Debt Recycling
We're all looking for smart ways to get ahead financially. One strategy you might hear about is debt recycling. It sounds complex, but the fundamental idea is quite simple: you turn your 'bad' debt into 'good' debt. Let's break down what it is, how it works, and the things you need to watch out for.
Cash in the Bank or Shares on the Market?
Deciding where to put your money in Australia can feel like a big decision. Two of the most common options are high-interest savings (HIS) accounts and exchange-traded funds (ETFs). While both can help you build your wealth, they serve very different purposes. Here’s a more detailed breakdown to help you determine which is right for you.
Newsletter – July 2025
In July 2025, Australian markets showed cautious optimism with the ASX 200 rising 2.04%, supported by strong mining results and stable Reserve Bank guidance despite some volatility. The US S&P 500 outperformed at 2.67% jump with solid tech earnings and optimism over monetary policy. The Australian housing market saw its fifth consecutive month of growth, up 0.6% in June, driven by earlier rate cuts and tight supply, though growth was more moderate compared to previous surges. Inflation eased to 2.1%, the lowest since 2021, and the Reserve Bank held interest rates steady at 3.85%, favouring a cautious approach amid steady jobs data and global uncertainties.
Australian Super Funds Delivered Gains
Superannuation funds delivered gains in the 2025 financial year. Even though there were challenges like global trade tensions and conflicts in the Middle East, super funds not only held steady, but they also delivered impressive returns.
Crafting a ‘Whole Life’ Retirement
When most people think of retirement, a sunny stereotype tends to surface. Think coastal caravan adventures, chasing the grandkids around the park, or leisurely strolls along quiet beaches. It's a comforting image, one that’s replayed in countless superannuation ads and retirement brochures. But what if that dream, while lovely, doesn’t quite capture the full picture? What if ticking off that final workday and securing the right savings target isn’t the last step but merely the beginning of something far more profound?
What’s New for Your Money in the 2026 Financial Year
Happy new financial year! It’s a great time to take stock and review your financial plan. Whether you’re looking to make the most of new tax cuts, changes to superannuation, or government support, understanding what’s ahead can help you stay on track and make confident decisions. Here’s a straightforward guide to the main updates and what they mean for everyday Australians.
When Your Career Ends Abruptly…
Imagine Stephen, a skilled surgeon whose career ends overnight due to a sudden, life-changing injury. Beyond the emotional shock — grief, frustration, and uncertainty — he faces an immediate and daunting financial reality: his primary income has vanished. For many, this scenario is unthinkable, yet it’s a risk that can touch anyone. This reminds us that with proactive planning and a mix of income strategies, financial security is still within reach.
Newsletter – June 2025
Global share markets rallied in June 2025, with the ASX 200 and S&P 500 gaining over 2% amidst easing inflation and geopolitical tensions. Australia's property market continued its moderate ascent, with a 0.5% national value increase in May led by strong growth in Brisbane, Adelaide, and Perth. This occurred within an economic context of steady inflation and a 3.85% RBA cash rate, with markets broadly anticipating further cuts to support continued economic growth.