![A-REITs have done very well, including ALE Property Group, which owns pubs.](/web/20170425224508im_/http://www.theage.com.au/content/dam/images/g/t/d/z/4/1/image.related.wideLandscape.940x529.gvoh7d.12uqus.png/1493132815358.jpg)
Money features
![Chasing returns in super is almost always the wrong thing to do.](/web/20170425224508im_/http://www.theage.com.au/content/dam/images/g/l/u/3/u/9/image.related.landscape.120x80.gvr12s.png/1493002109574.jpg)
Chasing returns in super usually a losing bet
Most people don't realise their super fund is likely to have about half their money invested in shares.
![Vendors will potentially pay less tax if the hammer falls after June 30.](/web/20170425224508im_/http://www.theage.com.au/content/dam/images/g/p/g/y/v/u/image.related.landscape.120x80.gvrbrv.png/1493131711651.jpg)
You'll lose 2 per cent of your taxable profit selling before June 30
There's nothing like a forewarned tax change to distort behaviour.
!["Complex" rules put public servants in danger of getting burned:
Canberra financial advisor Dan Blackman.](/web/20170425224508im_/http://www.theage.com.au/content/dam/images/g/v/k/y/m/z/image.related.landscape.120x80.gvkicp.png/1493015599421.jpg)
Public servants face big super slug
Public servants could be hit for hundreds of thousands as government curbs tax breaks.
![Receiving a windfall can leave us confused about how to make best use of the money.](/web/20170425224508im_/http://www.theage.com.au/content/dam/images/1/m/w/c/y/6/image.related.landscape.120x80.gvob5v.png/1493016962204.jpg)
How to put a financial windfall to good use
Receiving a financial windfall can leave most of us in a pickle on what to do with the money.
![Spaceship founders Paul Bennetts, Andrew Sellen, Dave Kuhn and Kaushik Sen.](/web/20170425224508im_/http://www.theage.com.au/content/dam/images/g/r/e/x/t/7/image.related.landscape.120x80.gvq2s2.png/1493096288920.jpg)
Super funds own $45b in bank shares, $13b in tech stocks
Industry super funds love to criticise the big banks, but they are also closely entwined.
![Mineral sands producer Mineral Deposits is the best-performing stock so far.](/web/20170425224508im_/http://www.theage.com.au/content/dam/images/1/0/7/h/x/b/image.related.landscape.120x80.gvpaq2.png/1492743583039.jpg)
Tipsters lose ground as share prices fall across the board
It's been a tough week for our tipsters, with all of them slipping in week three of the four-week Shares Race.
![Leverage magnifies both losses and gains.](/web/20170425224508im_/http://www.theage.com.au/content/dam/images/g/s/h/k/u/e/image.related.landscape.120x80.gvppku.png/1492751651408.jpg)
Margin loans are bad for your financial health
Borrowing to invest. The idea is almost as old as investing itself.
![The regulator wants to take the heat out of the housing market, especially in Sydney and Melbourne.](/web/20170425224508im_/http://www.theage.com.au/content/dam/images/g/q/3/9/z/1/image.related.landscape.120x80.gvodp7.png/1492733462481.jpg)
Banks pressuring customers to shift from interest-only
The regulator wants fewer interest-only loans to take the heat out of the housing market. So banks are trying to meet their target by pressuring existing customers.
![Equal pay](/web/20170425224508im_/http://www.theage.com.au/content/dam/images/g/u/p/h/4/8/image.related.landscape.120x80.gvog5x.png/1492656539865.jpg)
Why fixing the pay gap is easy if you try
How can something as seemingly intractable, stubborn, complex and multifaceted as the pay gap be fixed?
![The continued presence of millionaires who escape the Medicare levy while spending more than $1 million each on their ...](/web/20170425224508im_/http://www.theage.com.au/content/dam/images/g/k/0/9/d/i/image.related.landscape.120x80.gvnkxh.png/1492670930994.jpg)
Meet the 48 millionaires who pay no income tax
A million dollars' worth of tax advice can cut your tax bill to zero.
![Monique Kinerson with her partner and child, outside the house they bought with cash.](/web/20170425224508im_/http://www.theage.com.au/content/dam/images/g/v/m/i/7/6/image.related.landscape.120x80.gvk6cb.png/1492595133014.jpg)
Meet the couple who bought their house with cash
These Australians paid for their house in cash and have two years of wages in the bank.
![Dividends play a huge role in the returns of shareholders.](/web/20170425224508im_/http://www.theage.com.au/content/dam/images/g/u/1/e/n/j/image.related.landscape.120x80.gvm01x.png/1492874274987.jpg)
More to a share investment than just juicy dividends
It's difficult to overstate the importance of dividends for Australian investors.
![Illustration: Simon Bosch](/web/20170425224508im_/http://www.theage.com.au/content/dam/images/g/v/n/2/h/k/image.related.landscape.120x80.gvn0sq.png/1492834275483.jpg)
A universal age pension is a win for younger generations too
Millennials and Baby Boomers are often cast as natural foes fighting in some kind of economic Hunger Games. But what if I told you that economic and social policy doesn't have to be zero-sum?
![<p>](/web/20170425224508im_/http://www.theage.com.au/content/dam/images/g/v/m/i/i/8/image.related.landscape.120x80.gvmiel.png/1492521929369.jpg)
The lower the yield, the higher the cost of fees
Several factors mean we shouldn't be so easily fooled about fees now – well, that's the theory.
![A few months ago the smartest people in finance were waxing lyrical on whether the Chinese landing would be "hard" or ...](/web/20170425224508im_/http://www.theage.com.au/content/dam/images/g/s/j/a/x/m/image.related.landscape.120x80.gvm0if.png/1492391284698.jpg)
Motley Fool: What China collapse?
What's the greatest threat to the world economy and our economic prosperity?
![Children might be happier with a few signature toys.](/web/20170425224508im_/http://www.theage.com.au/content/dam/images/g/v/l/9/k/e/image.related.landscape.120x80.gvl8wu.png/1492529596758.jpg)
The app for reducing the tsunami of kids' stuff
Three out of four Australians believe they are overspending on their kids by hundreds of dollars each month. And then there's the gifts.
![More than 1 million Australians received aged care in their home.](/web/20170425224508im_/http://www.theage.com.au/content/dam/images/g/r/b/d/f/y/image.related.landscape.120x80.gvk4nr.png/1492124186694.jpg)
The reason for the focus on home care for the elderly
Have you noticed that all the talk about aged care at the moment is focused on home care?
![Illustration: Michael Mucci](/web/20170425224508im_/http://www.theage.com.au/content/dam/images/g/r/g/5/g/z/image.related.landscape.120x80.gvk4su.png/1492505231939.jpg)
The benefits of capital gains tax
​Understanding the fine details of capital gains tax can improve investment returns.
![Afterpay, which lets retailers offer consumers a buy-now-pay-later service, was one of the best stocks in the Shares ...](/web/20170425224508im_/http://www.theage.com.au/content/dam/images/g/u/y/y/2/9/image.related.landscape.120x80.gvkp5s.png/1492484495444.jpg)
Reshuffle of the racer ranks in volatile market
The Shares Race is still anyone's game.
![More of us are favouring personal loans over high-fee credit cards.](/web/20170425224508im_/http://www.theage.com.au/content/dam/images/g/v/7/z/u/o/image.related.landscape.120x80.gvk7oq.png/1492251175437.jpg)
Personal loan applications surge as credit cards wane
Australians are shunning high-interest credit cards and turning to personal loans for large purchases.
![Peter Cakarnis, 60, has seen the value of his credit card rewards diminish over time.](/web/20170425224508im_/http://www.theage.com.au/content/dam/images/g/v/j/q/x/8/image.related.landscape.120x80.gvk3e1.png/1492249754472.jpg)
Credit card rewards worthless for all but very high spenders
Anyone with a rewards card should think hard about the value they are getting.
![Save money by shopping your pantry first, and avoiding pre-packaged food.](/web/20170425224508im_/http://www.theage.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.