![Connie Munoz of Maroubra works for a PR agency for seven months, saves all her money, and then takes unpaid leave and ...](http://web.archive.org./web/20170626170301im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/x/s/f/f/image.related.wideLandscape.940x529.gwwtxu.12uqus.png/1498468226951.jpg)
Money features
![Retirees could be earning higher returns by taking a bit more risk.](http://web.archive.org./web/20170626170301im_/https://www.fairfaxstatic.com.au/content/dam/images/g/p/4/o/6/q/image.related.landscape.120x80.gwxayx.png/1498445388272.jpg)
Risk aversion is costing retirees tens of thousands of dollars
Most of us are more sensitive to what can go wrong than right.
![The share price of design company Veris is enjoying a good run.](http://web.archive.org./web/20170626170301im_/https://www.fairfaxstatic.com.au/content/dam/images/g/n/e/t/b/e/image.related.landscape.120x80.gwwyf5.png/1498185850406.jpg)
Front runner increases her lead as tough market conditions continue
Angie Ellis boosts her lead in the second week of the Shares Race.
![</p>](http://web.archive.org./web/20170626170301im_/https://www.fairfaxstatic.com.au/content/dam/images/g/u/9/u/c/c/image.related.landscape.120x80.gwx1v9.png/1498185365718.jpg)
Sting in the super changes for lower paid public servants
Many lower income public servants and defence employees are disadvantaged by their employer's superannuation arrangements.
![It may be time for a little surgery on your nest egg.](http://web.archive.org./web/20170626170301im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/0/k/9/f/image.related.landscape.120x80.gwwzh6.png/1498182207029.jpg)
Your guide to next month's super changes
If you haven't paid attention to the looming changes in superannuation, this is what you need to know.
![Anonymous member of the Un-Rich List of world's poorest 100 citizens, produced by Fund for Peace.](http://web.archive.org./web/20170626170301im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/w/g/w/8/image.related.landscape.120x80.gww7vk.png/1498208566745.jpg)
The Un-Rich List you need to read
A sense of perspective can help you deal with the financial challenges most likely to affect the typical Australian.
![Erin Riley and her 9-month old daughter Abby at their rented home in Panania.](http://web.archive.org./web/20170626170301im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/t/x/v/i/image.related.landscape.120x80.gwtyos.png/1498101246290.jpg)
'I moved to the burbs to escape city rent'
Before I had my daughter, I wanted to raise any future children in the city. The big wrinkle in the plan was money.
![Shirley O'Riley, 58, works as a ward assistant, which involves lifting patients. She is annoyed that she will not be ...](http://web.archive.org./web/20170626170301im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/t/v/t/c/image.related.landscape.120x80.gwm3ih.png/1497947378647.jpg)
Coalition won't retire its policy to lift pension age to 70
It's the "zombie" policy the Turnbull Government refuses to kill off.
![Consider a transition into retirement before you sign up for 30 years of relaxation.](http://web.archive.org./web/20170626170301im_/https://www.fairfaxstatic.com.au/content/dam/images/g/h/4/v/q/6/image.related.landscape.120x80.gwtwbj.png/1498141106049.jpg)
Think all you need to retire is money? Think again
It's possible your retirement fantasies involve beaches, drinks with tiny umbrellas and – ahh – spare time.
![Illustration: Simon Letch](http://web.archive.org./web/20170626170301im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/u/u/b/x/image.related.landscape.120x80.gwuqg9.png/1498132568938.jpg)
Consumer power won't save the world
It's time we stop pretending that conscious consumerism can save the world. Instead it distracts us from the democratic power we have to effect real change
![Qantas chief executive Alan Joyce has done a good job but there are better investment opportunities out there.](http://web.archive.org./web/20170626170301im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/m/h/p/w/image.related.landscape.120x80.gwutkq.png/1497943295578.jpg)
Qantas hits the highs … of 2006
It's been a long flight back from a missed opportunity.
![Fraud against Australians using credit cards overseas has risen dramatically.](http://web.archive.org./web/20170626170301im_/https://www.fairfaxstatic.com.au/content/dam/images/g/r/0/o/d/k/image.related.landscape.120x80.gwqt1y.png/1497923699049.jpg)
We know less about money than we think
Many people misunderstand key concepts in banking, but few recognise the limits of their knowledge, a new survey suggests.
![Lifespan estimates from selfies are being trialed by US life insurers.](http://web.archive.org./web/20170626170301im_/https://www.fairfaxstatic.com.au/content/dam/images/1/m/g/l/y/4/image.related.landscape.120x80.gwsl2m.png/1498141218422.jpg)
Obtaining life insurance could soon be as easy as sending a selfie
You'd think life insurance would be almost immune from disruption by technology, but one of the oldest and most data-intensive industries is likely to undergo huge transformation.
![Jeff and Judi Parry have downsized to a smaller apartment in a retirement village in Carlton. Photo: PENNY STEPHENS. The ...](http://web.archive.org./web/20170626170301im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/s/j/d/6/image.related.landscape.120x80.gwsbht.png/1498141139165.jpg)
Life change: Meet the Australians reinventing retirement
We talk to the downsizers, the sea-changers and the retirees who moved overseas.
![Vocus Group is in play, pushing its share price higher.](http://web.archive.org./web/20170626170301im_/https://www.fairfaxstatic.com.au/content/dam/images/g/t/2/5/o/2/image.related.landscape.120x80.gwsb5j.png/1497595920424.jpg)
Capitol Health, Vocus, the best of the tips
Angie Ellis of 80 20 Investments has taken the lead in week one of the new four-week Shares Race.
![High-income earners could wind up in breach of the $25,000 annual contributions gap by accident, if they have a generous ...](http://web.archive.org./web/20170626170301im_/https://www.fairfaxstatic.com.au/content/dam/images/g/p/l/e/v/6/image.related.landscape.120x80.gws1a8.png/1498141173751.jpg)
The trap for high income earners with a cushy super package
The reduction in the annual concessional cap to $25,000 will create significant problems for many taxpayers and the Tax Office.
![Commuting makes you miserable.](http://web.archive.org./web/20170626170301im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/m/0/e/p/image.related.landscape.120x80.gwsxts.png/1497937687179.jpg)
Money can buy happiness if you spend it on these three things
How would you spend $20 for the biggest payoff in happiness? What did you actually spend your last $20 on?
![Illustration: Simon Letch](http://web.archive.org./web/20170626170301im_/https://www.fairfaxstatic.com.au/content/dam/images/g/s/9/3/1/l/image.related.landscape.120x80.gwrmke.png/1497947434469.jpg)
Unlucky seniors in the pension card trap
Former pensioners lose thousands because they earned hundreds.
![A weak pound and stronger Australian dollar make a holiday to Britain cheaper.](http://web.archive.org./web/20170626170301im_/https://www.fairfaxstatic.com.au/content/dam/images/g/s/0/a/j/s/image.related.landscape.120x80.gwrrw9.png/1497595798649.jpg)
Pound's weakness puts travellers to Britain in the box seat
Good news on Australian unemployment has helped to lift the Australian dollar against major currencies.
![If you love to knit, you could have a side hustle selling cute beanies.](http://web.archive.org./web/20170626170301im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/r/z/b/9/image.related.landscape.120x80.gwryfa.png/1497937437936.jpg)
The side hustle: Five ways to monetise your skills outside of a nine-to-five
The side hustle has exploded among Australian millennials and thanks to the internet there's more opportunity than ever to turn a skill or passion into a tidy income outside your nine-to-five.
![Compulsory super turns 25 this year.](http://web.archive.org./web/20170626170301im_/https://www.fairfaxstatic.com.au/content/dam/images/g/m/q/d/j/f/image.related.landscape.120x80.gwo4ge.png/1497147470055.jpg)
Compulsory super turns 25, but is yet to reach maturity
As well as Australia's economy reaching its 26th year of continuous expansion, the longest run of uninterrupted growth in the developed world, this year also marks the 25th anniversary of the introduction of compulsory superannuation.