![Nicolas Butcher,Olivia O'Neill, Lucinda Chismon, Matthew Slate.](/web/20170508210043im_/http://www.smh.com.au/content/dam/images/g/v/u/m/c/l/image.related.wideLandscape.940x529.gvti8x.12uqus.png/1493353222852.jpg)
Money features
![It is important to get your head around changes to super before July.](/web/20170508210043im_/http://www.smh.com.au/content/dam/images/g/s/u/w/t/3/image.related.landscape.120x80.gvz5gc.png/1494053654966.jpg)
Preparing for the super changes
This year's budget is unlikely to include further changes to super.
![Danica Hampton is Head of Investment Specialists at Citi Wealth](/web/20170508210043im_/http://www.smh.com.au/content/dam/images/g/v/z/b/o/b/image.related.landscape.120x80.gvzb5j.png/1493982985980.jpg)
It's bonds to the rescue as the needle points up for interest rates
Younger investors may never have made decisions in the environment we are heading into.
![Steve Molloy went for a two-week trip to Hawaii and was hit with an $1100 telco bill](/web/20170508210043im_/http://www.smh.com.au/content/dam/images/g/v/t/y/d/s/image.related.landscape.120x80.gvtvsj.png/1493832798716.jpg)
One week in Hawaii brings home $1100 phone bill
Australians have shelled-out $92 million in global roaming charges during the last two years.
![Illustration: Simon Letch](/web/20170508210043im_/http://www.smh.com.au/content/dam/images/g/v/w/7/g/w/image.related.landscape.120x80.gvw7bh.png/1493721804869.jpg)
Accessing super early to pay debts
Financial expert Noel Whittaker answers your questions.
![Adelaide-based wealth adviser Louise Pfeiffer, 39, has chosen a career and business that will maximise her ability to ...](/web/20170508210043im_/http://www.smh.com.au/content/dam/images/g/v/w/a/2/6/image.related.landscape.120x80.gvw5z9.png/1493735256178.jpg)
Meet the 'effective altruists' who earn to give
It's easy to assume a meaningful career involves working directly with the people you are helping, but there are people pursuing high-paying positions in order to donate more.
![Telstra's share price is under pressure as mobile competition increases.](/web/20170508210043im_/http://www.smh.com.au/content/dam/images/g/v/j/w/7/r/image.related.landscape.120x80.gvutqr.png/1493605520104.jpg)
Telstra's a tough call for its one million shareholders
Telstra's more than one million shareholders will not be pleased with the sustained slide in the share price since the start of this year to be trading in the low $4 range now.
![Food and drink prices fell in the March quarter, reflecting stiff competition across much of the retail sector.](/web/20170508210043im_/http://www.smh.com.au/content/dam/images/g/t/w/b/c/4/image.related.landscape.120x80.gvt47m.png/1493699800153.jpg)
Why interest rates are unlikely to fall further
The era of abnormally low inflation is very gradually coming to an end.
![If you use a LIC, you can concentrate your energy on trying to time the market.](/web/20170508210043im_/http://www.smh.com.au/content/dam/images/g/v/w/8/6/i/image.related.landscape.120x80.gvw83n.png/1493608044877.jpg)
The place of LICs in an investment strategy
Want to get some more time at the weekend? Try a different investment approach.
![Megan Blandford and husband Steve and children Abbey, 8, and Iris, 4 live in Beechworth, Victoria.](/web/20170508210043im_/http://www.smh.com.au/content/dam/images/g/v/w/8/t/t/image.related.landscape.120x80.gvw8ve.png/1493722606010.jpg)
I developed a fear of debt at the age of 10
​A fear of debt can either serve you or hold you back – here's how to know whether you need to overcome it.
![Contrary to popular belief, finishing rich isn't necessarily dependent on the size of your pay cheque - and it has more ...](/web/20170508210043im_/http://www.smh.com.au/content/dam/images/g/s/i/a/e/r/image.related.landscape.120x80.gvwbq4.png/1493705443627.jpg)
10 essential money lessons in just 10 minutes
If learning how to build wealth is important to you, you've come to the right place.
![Finance Minister Mathias Cormann said the government would respond to the external dispute review on budget night.](/web/20170508210043im_/http://www.smh.com.au/content/dam/images/g/v/b/a/9/v/image.related.landscape.120x80.gvvvqy.png/1494163556928.jpg)
One-stop complaints scheme for banks and insurers tipped in federal budget
The budget will make it easier to complain about banks
![Electro Optic Systems, which supplies technology to the aerospace and defence markets, is the best-performing stock tip ...](/web/20170508210043im_/http://www.smh.com.au/content/dam/images/g/l/5/t/c/g/image.related.landscape.120x80.gvueo0.png/1493348332900.jpg)
The only racer in the black takes line honours as four-week race ends
Fairfax journalist Phil Baker wins the four-week shares race after making modest gains from a good portion of his 10-stock portfolio.
![By now, your New Year's financial resolutions are probably a distant memory along with the festive fireworks.](/web/20170508210043im_/http://www.smh.com.au/content/dam/images/g/u/0/g/m/r/image.related.landscape.120x80.gvtgzh.png/1493340705210.jpg)
Get rich by focusing on process not outcome
Succeeding in the long-term takes belief and perseverance.
![If you're investing in property, you're probably better off buying it in your personal name than your self-managed super ...](/web/20170508210043im_/http://www.smh.com.au/content/dam/images/g/v/b/g/f/z/image.related.landscape.120x80.gvt6ke.png/1493249063492.jpg)
Buying property with your super fund has drawbacks
Whether or not the government removes the ability of self-managed super funds to borrow to purchase property or other investments, the implications for investors are relatively minor.
![A-REITs have done very well, including ALE Property Group, which owns pubs.](/web/20170508210043im_/http://www.smh.com.au/content/dam/images/g/t/d/z/4/1/image.related.landscape.120x80.gvoh7d.png/1493132815358.jpg)
The best-performing asset class of the past five years
The best-performing asset class of the past five years are the listed trusts that own commercial property.
![Chasing returns in super is almost always the wrong thing to do.](/web/20170508210043im_/http://www.smh.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/20170508210043im_/http://www.smh.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.
![As BrickX chief executive, Anthony Millet heads a fintech start-up that offers a different way to invest in residential ...](/web/20170508210043im_/http://www.smh.com.au/content/dam/images/g/s/g/9/d/5/image.related.landscape.120x80.gvr7e2.png/1493159122470.jpg)
How to protect yourself from housing bubble downside
When looking at investing in property, you need to build in a buffer to help you withstand any dramatic changes.
!["Complex" rules put public servants in danger of getting burned:
Canberra financial advisor Dan Blackman.](/web/20170508210043im_/http://www.smh.com.au/content/dam/images/g/v/k/y/m/z/image.related.landscape.120x80.gvkicp.png/1493269007371.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/20170508210043im_/http://www.smh.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/20170508210043im_/http://www.smh.com.au/content/dam/images/g/r/e/x/t/7/image.related.landscape.120x80.gvq2s2.png/1493611681495.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/20170508210043im_/http://www.smh.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.