![There are some fund managers with a track record of outperforming the market.](/web/20170415120355im_/http://www.smh.com.au/content/dam/images/g/t/h/f/m/i/image.related.wideLandscape.940x529.gvd6sa.12uqus.png/1491953010731.jpg)
Money features
![Fees for financial advice are negotiable.](/web/20170415120355im_/http://www.smh.com.au/content/dam/images/1/0/g/3/4/s/image.related.landscape.120x80.gvk4zk.png/1492065072689.jpg)
Nicole helps… contain advice costs
Financial expert Nicole Pedersen-McKinnon answers readers' questions.
![Save money by shopping your pantry first, and avoiding pre-packaged food.](/web/20170415120355im_/http://www.smh.com.au/content/dam/images/g/v/k/k/a/m/image.related.landscape.120x80.gvk4q3.png/1492125578845.jpg)
Financial freedom through frugality
How to get rich, happy and save the world.
![A DHA Housing home in Townsville.](/web/20170415120355im_/http://www.smh.com.au/content/dam/images/g/u/y/a/t/2/image.related.landscape.120x80.gvklx1.png/1492121622239.jpg)
Defence housing offers a defensive yield in low-interest times
The low-interest rate environment is driving rising numbers of private investors to put some of their money into housing for Australian Defence Force members.
![Costco has grabbed a 1 per cent share of the grocery business.](/web/20170415120355im_/http://www.smh.com.au/content/dam/images/g/r/t/4/x/8/image.related.landscape.120x80.gvk5es.png/1492045420185.jpg)
The real foe for Coles, Woolies
The big box retailer has big ambitions… and runs on the board.
![Larger super funds tend to outperform smaller funds.](/web/20170415120355im_/http://www.smh.com.au/content/dam/images/1/1/9/4/k/0/image.related.landscape.120x80.gvhfpt.png/1491803831216.jpg)
Most super funds with less than $2b not viable
Size does matter when it comes to super funds.
![It pays to shop around for petrol before the Easter road trip.](/web/20170415120355im_/http://www.smh.com.au/content/dam/images/g/l/c/l/f/j/image.related.landscape.120x80.gviaeu.png/1491904237406.jpg)
Where to fill up the car before Easter road trip
Filling up the car at the right time and place slashes dollars from the long weekend road trip.
![Drew Barrymore, left, and Liv Hewson at the premiere of Santa Clarita Diet, a Netflix original.](/web/20170415120355im_/http://www.smh.com.au/content/dam/images/g/u/p/7/1/6/image.related.landscape.120x80.gvfufs.png/1491532831280.jpg)
How offline viewing for Netflix and Stan can save you hundreds
Watching just a handful of video streaming episodes on-the-go can quickly become expensive for your mobile bill.
![It's better to sell investments when you're no longer working to minimise the capital gains tax bill.](/web/20170415120355im_/http://www.smh.com.au/content/dam/images/g/h/8/n/o/z/image.related.landscape.120x80.gvfeo5.png/1491470309752.jpg)
Why property investors won't take their profits
If you're working, contributing to super beats paying off investment debt.
![Money reader John Wyatt is backing renewable energy companies.](/web/20170415120355im_/http://www.smh.com.au/content/dam/images/g/h/v/x/l/t/image.related.landscape.120x80.gvfnpo.png/1492071340560.jpg)
Money reader takes lead on clean energy and livestock feed picks
Money reader John Wyatt has opened a decent lead in week one of the new four-week Shares Race, helped by his clean energy picks – Carnegie and Infigen.
![GST will be charged on low-value items and digital products and services bought from overseas after July this year.](/web/20170415120355im_/http://www.smh.com.au/content/dam/images/g/v/g/d/z/z/image.related.landscape.120x80.gvgcfb.png/1491690188636.jpg)
The $300m GST grab hardly anyone knows about
Australians will soon be paying GST on nearly all purchases from overseas websites, including low-value items and digital products and services.
![Mortgage rates are on the rise and borrowers don't want to get in above their heads](/web/20170415120355im_/http://www.smh.com.au/content/dam/images/g/s/g/x/h/f/image.related.landscape.120x80.gveuq1.png/1491901163170.jpg)
How to avoid squeeze of rising mortgage rates
Despite the Reserve Bank cutting the cash rate twice during 2016, lenders have been edging-up their mortgage rates over that time.
![Despite the criticism, DHA has many happy investors.](/web/20170415120355im_/http://www.smh.com.au/content/dam/images/g/u/y/b/8/q/image.related.landscape.120x80.gvfzzc.png/1491558312733.jpg)
Investing in defence housing: do the numbers stack up?
Investment homes leased back to Defence Housing Australia for housing military personnel become a key part of many Australians' investment portfolios, and at first glance there is little not to like.
![Mark Bouris is not a fan of 'sledgehammer government responses to the property market' because they might fuel the problem.](/web/20170415120355im_/http://www.smh.com.au/content/dam/images/g/v/b/b/i/u/image.related.landscape.120x80.gvfc9a.png/1491522570750.jpg)
Time to 'get serious' about interest-only loans
The longer the property boom in Sydney and Melbourne goes on, the more avenues we explore to put a cap on buyer exuberance.
![It's better to trim your sails than suffer mortgage stress or worse, a distressed sale.](/web/20170415120355im_/http://www.smh.com.au/content/dam/images/g/m/w/t/p/g/image.related.landscape.120x80.gvfdf3.png/1491868082616.jpg)
Banks are lending too much to property buyers
Real estate continues to dominate the headlines in tandem with speculation on the future of the housing market as APRA's crack down on interest-only loans begins to bite.
![Caring professions such as nursing tend to be female-dominated and low paid.](/web/20170415120355im_/http://www.smh.com.au/content/dam/images/g/v/e/t/8/k/image.related.landscape.120x80.gvet1w.png/1491532433027.jpg)
How to avoid retiring with insufficient super
Why "financial literacy" won't help women overcome the structural flaws in superannuation.
![Some ideas for Treasurer Scott Morrison, who is preparing for the federal budget in May.](/web/20170415120355im_/http://www.smh.com.au/content/dam/images/g/v/b/4/k/k/image.related.landscape.120x80.gvc7zf.png/1491287194792.jpg)
What women want from the budget
There's still much for the Treasurer to decide that will affect families and, disproportionately, women.
![Most people have little idea of how much money they will need in retirement.](/web/20170415120355im_/http://www.smh.com.au/content/dam/images/g/i/b/k/v/w/image.related.landscape.120x80.gvb2vc.png/1491184394544.jpg)
Better-off need to save more super
How much will you need to save for a comfortable retirement? If you're clueless you're not alone.
![Young adults can do things now that will improve their financial future](/web/20170415120355im_/http://www.smh.com.au/content/dam/images/g/r/v/e/o/y/image.related.landscape.120x80.gv4rbj.png/1491318509394.jpg)
15 things to do by 30 to create a better life after 60
Your 20s are the time to set in place some basics that will help set you up for a brighter financial future.
![Experts have been calling the end of the property market for years.](/web/20170415120355im_/http://www.smh.com.au/content/dam/images/g/t/q/p/v/b/image.related.landscape.120x80.gvcmc0.png/1491393077576.jpg)
Sorry folks, this ain't no property bubble
Believe me, no one is keener than me to see it burst. But sadly, for would-be buyers, I just don't see it happening.
![For all the talk of averages and long-term returns, most investors and traders would love to find that life-changing ...](/web/20170415120355im_/http://www.smh.com.au/content/dam/images/g/s/h/m/k/8/image.related.landscape.120x80.gvc6wz.png/1491182034182.jpg)
How I cheated myself out of $17m
The best money-making opportunities require you to sit back and do absolutely nothing.