Our phones contain so much personal information that it’s important to keep them secure. Follow these seven cybersecurity tips to help secure your mobile device from hackers and online fraud. Most of us are used to protecting our home computers with passwords, antivirus software and regular updates. But many people don’t realise that their smartphone…
Payday Super means employers must pay super at the same frequency as they pay wages. The changes are being introduced to improve retirement outcomes and reduce unpaid super. Moving away from quarterly payments means more frequent compounding – and may also result in higher super payments on bonuses for some high income earners. From 1…
We all want to earn high returns but every investment has some degree of risk; and higher returns generally mean higher risk. Think about the level of risk you’re comfortable with. How do you feel about risk? Do you like to take chances or are you conservative by nature? You may think you have a…
Careers pause, shift and evolve – especially for women. But even with nonlinear working paths, there are simple steps you can take to keep your super moving forward. Women’s working lives aren’t always linear. You might step in and out of work. Change hours. Put caring for others first. Or take a completely different path…
Super will soon need to be paid into your super account within seven business days of your regular pay, making it easier to check and grow your savings. Summary Almost half of all working Australians don’t check their super balance¹. But with Payday Super around the corner, and the ATO returning $1.1 billion in unpaid…
With cost of living pressures, everyone could do with some extra cash right now. One straightforward option is to stop cash leaving your account in the first place. In other words, check you’re not frittering away your hard earned money by paying more than needed on your bills. And by bills, I mean everything you spend regularly.…
Downsizing the family home is often part of the longer term financial plans for many older Australians. But did you know that you could consider investing the proceeds of the sale of your family home to your super, depending on your age and circumstances, as a downsizer contribution? What is a downsizer contribution? Since 1…
What if you opted to give a present that could help shape the financial future for yourself or your loved ones? Before you make that transfer or sign over an asset, it’s important to consider the opportunities, risks and rules that come with financial gifts to ensure you avoid any unexpected surprises along the way.…
Over one quarter of a million Australians will start their retirement in 2026. Many more are looking ahead to the time when they can swap their 9 to 5 roles for the freedom of retirement. Getting the planning right will be critical for helping people to enjoy the retirement that they deserve. One of the…
One of life’s greatest challenges is the loss of a loved family member – particularly a long-term spouse or partner. Knowing where to start can be a big help at this difficult time. When a loved one passes away The loss of a loved one can see you juggling multiple balls at once. There is…