Imparting Financial Habits to Your Children
Teaching children about money is one of the most valuable lessons a parent can offer. It goes far beyond simply giving them pocket money; it’s about shaping their mindset for a financially secure future. By instilling a few core habits early on, you can move beyond basic saving and start building the foundation of a true investor.
August 2025 Market Updates
August 2025 featured a cautiously optimistic global investment climate, with Australia's ASX 200 showing a strong rise driven by solid domestic fundamentals, while the US S&P 500 demonstrated steady resilience after early dips. The Australian residential property market kept growing due to low supply and easing interest rates, with cities like Darwin and Perth leading increases despite ongoing affordability challenges. Inflation in Australia moderated within the Reserve Bank's target range, leading to a cautious interest rate cut aimed at balancing price stability and economic growth. Overall, the outlook signals a measured but positive recovery supported by easing monetary policy and sustained investor confidence, even as global uncertainties and affordability issues persist.
The Basics of Age Pension
The Age Pension is a vital source of income for many Australians in retirement, providing regular payments to help with living costs. Knowing the ins and outs of how it works can make a real and impactful difference to your financial wellbeing.
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?