Articles by Ankita Rai

Every parent wants their kids to get off to a good start. That means more than just keeping them safe and happy. It’s also about helping them grow into financially confident, independent adults.

Have you been thinking about switching your super lately? Maybe your adviser suggested it. Maybe your fund’s merging. Or maybe you’ve just started a new job and, instead of handing over the default super form to HR, you’d rather take control and choose a fund that actually stacks up for your future.

For many Australians heading into retirement, the family home is more than a roof. It’s a lifeline, a legacy, and often the biggest financial asset they’ll ever own.

Retirement can be a surprisingly rewarding chapter, financially speaking. But only if you have a solid plan in place that covers not only your day-to-day expenses but also safeguards your wealth when the markets get volatile.

For years, the rule of thumb in retirement planning was simple. Put as much as you can into a super fund.

When we picture retirement, most of us already have a rough idea of what’s in our toolkit. How much super do I have? What’s my home or investment property worth? What’s the value of my shares and savings? Will I qualify for the Age Pension? And so on.

‘It’s not what you don’t know that gets you into trouble. It’s what you know for sure that just ain’t so.’

Superannuation is one of the most effective ways to build wealth for retirement, but it doesn’t always pass to your loved ones tax-free.

Parents are increasingly stepping in to help children and grandchildren break into the property market, but good intentions don’t always translate into positive outcomes.

For years, SMSFs have mostly been the domain of older trustees managing their own retirement nest eggs. However, that’s starting to change, as more families are experimenting with multigenerational SMSFs by bringing children into the fold to create larger funds and boost cash flow.

For many Australians, superannuation is a set and forget investment. But the truth is, small differences in fees, performance, and features can snowball into hundreds of thousands of dollars in retirement savings.

One of the more common questions many Australians face is deciding whether to use spare cash to pay down their mortgage or to top up their superannuation.