![Actor Elijah Perris.](http://web.archive.org./web/20170711001940im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/z/t/u/u/image.related.wideLandscape.940x529.gx7p9w.12uqus.png/1499660321286.jpg)
Money features
![Frustrated millennials can get a taste of the sharemarket.](http://web.archive.org./web/20170711001940im_/https://www.fairfaxstatic.com.au/content/dam/images/g/m/d/x/h/t/image.related.landscape.120x80.gx8c21.png/1499725383641.jpg)
Sharemarket investing for the smashed avocado generation
So, you've given up the dream of home ownership – for the moment, at least.
![A number of trends are causing higher volatility for individual shares.](http://web.archive.org./web/20170711001940im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/i/3/h/4/image.related.landscape.120x80.gx7sy9.png/1499637893589.jpg)
Volatility is the new normal in equities
Market volatility has destroyed the concept of "safe income" in equities, but there are options to ensure a smoother investment ride.
![Retail Food Group owns Michel's Patisserie, Gloria Jean's, Crust Pizza, Donut King and others.](http://web.archive.org./web/20170711001940im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/v/k/p/q/image.related.landscape.120x80.gx7slc.png/1499641234593.jpg)
Five interesting beaten-down stocks
Often, company share prices fall for very good reasons but sometimes it's caused by a market over-reaction.
![Tesla chief executive Elon Musk (left) and SA Premier Jay Weatherill announced the world's biggest lithium ion battery ...](http://web.archive.org./web/20170711001940im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/7/q/8/1/image.related.landscape.120x80.gx7pwa.png/1499584875259.jpg)
Coal-fired investors risk being unplugged
Elon Musk stole all the headlines with the announcement that Tesla's largest ever battery would be built 200 kilometres north of Adelaide.
![Australian Dairy Farms is the Shares Race's best performer.](http://web.archive.org./web/20170711001940im_/https://www.fairfaxstatic.com.au/content/dam/images/g/h/0/n/r/g/image.related.landscape.120x80.gx6j2p.png/1499391782142.jpg)
Ellis wins the Shares Race with all 10 tips in the black
Angie Ellis of 80 20 Investments wins the four-week Shares Race.
![Retiring from work doesn't mean retiring from life.](http://web.archive.org./web/20170711001940im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/6/4/3/z/image.related.landscape.120x80.gx60jc.png/1499377253385.jpg)
Avoid these mistakes to 'retire right'
The way to a happy life is to have "someone to love, something to do and something to look forward to".
![Will we have enough to get through to the end?](http://web.archive.org./web/20170711001940im_/https://www.fairfaxstatic.com.au/content/dam/images/g/v/o/k/s/b/image.related.landscape.120x80.gx5yvc.png/1499319031295.jpg)
Build super over time, as opportunities to play catch-up shrink
The major super changes legislated in 2016 are now in force, requiring many current and future retirees to review their strategies.
![Industry super funds look set to overtake DIY funds and retail funds as the biggest sector](http://web.archive.org./web/20170711001940im_/https://www.fairfaxstatic.com.au/content/dam/images/1/2/w/k/3/d/image.related.landscape.120x80.gx6u76.png/1499429912139.jpg)
Our super is set to hit $3 trillion in three years
The superannuation pool is forecast to reach $3 trillion in just three years, from $2.4 trillion now.
![Katherine Westwood and Sophie Gilliatt, the co-founders of the Dinner Ladies.](http://web.archive.org./web/20170711001940im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/5/u/p/u/image.related.landscape.120x80.gx5ul5.png/1499497923999.jpg)
How the Dinner Ladies found the recipe for financial independence
The hunger for a home-cooked meal turned a small idea into a thriving business.
![Underpayment or non payment of super is likely to become a bigger problem because of the growth in part-time, casual and ...](http://web.archive.org./web/20170711001940im_/https://www.fairfaxstatic.com.au/content/dam/images/g/h/o/b/j/1/image.related.landscape.120x80.gx5x5g.png/1499335536270.jpg)
Locations where workers are ripped-off on super revealed
Hard-working people are being left tens of thousands of dollars short at retirement.
![Good times can be had with a little planning.](http://web.archive.org./web/20170711001940im_/https://www.fairfaxstatic.com.au/content/dam/images/g/v/w/y/i/1/image.related.landscape.120x80.gx3c4q.png/1499179866212.jpg)
Set yourself up for success in the new financial year
Some positive changes to superannuation deserve attention, chief among them the ability to make personal deductible contributions.
![MELBOURNE, AUSTRALIA - JUNE 30: Sarah and Seth Gory play with their daughter Waratah and son Tanami in their unit in ...](http://web.archive.org./web/20170711001940im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/3/w/z/o/image.related.landscape.120x80.gx3wxv.png/1499383340630.jpg)
'We moved into a small city flat with two kids'
Downsizing, especially with a young family, isn't always easy. But Sarah Gory has found plenty of upside.
![Money is the number one thing that couples fight about so lock in good financial habits together from the start.](http://web.archive.org./web/20170711001940im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/s/t/b/m/image.related.landscape.120x80.gx3xfa.png/1499119114329.jpg)
Hey sneak spender
Some of us cheat with the big things that could potentially be relationship-ending if our partner found out. Some of us cheat with the little things because we want to avoid an argument.
![ASIC is laying down far stricter rules about whether financial advice firms will be allowed to claim they are independent.](http://web.archive.org./web/20170711001940im_/https://www.fairfaxstatic.com.au/content/dam/images/g/l/f/y/l/g/image.related.landscape.120x80.gx21v9.png/1499120181170.jpg)
ASIC cracks down on 'independent' label
The days of financial advice firms calling themselves "independently owned" or similar words when they are not so are coming to an end.
![Illustration: Ward O'Neill](http://web.archive.org./web/20170711001940im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/3/x/5/9/image.related.landscape.120x80.gx3x46.png/1499170741466.jpg)
Three scenarios to decide on transition to retirement
It's decision time for anybody with a transition to retirement pension.
![Lynda and Graham Turner on the ski-slopes in Canada earlier this year.](http://web.archive.org./web/20170711001940im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/1/y/3/a/image.related.landscape.120x80.gx1xrk.png/1499187515278.jpg)
Travellers' cheques can't be cashed but couple told there's no problem
Lynda and Graham Turner bought thousand of dollars worth of US and Canadian dollar travellers' cheques from American Express and then couldn't use them.
![APRA tightened restrictions on interest-only loans and lenders have quickly reacted.](http://web.archive.org./web/20170711001940im_/https://www.fairfaxstatic.com.au/content/dam/images/g/u/r/i/x/2/image.related.landscape.120x80.gx0rg9.png/1498690692399.jpg)
Interest-only loans keep appeal despite growing expense
APRA wants to reduce the growth of interest-only loans, which are highly popular with investors and even owner-occupiers in special situations.
![Fear of poverty is a real psychological condition.](http://web.archive.org./web/20170711001940im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/2/a/m/p/image.related.landscape.120x80.gx2b9p.png/1498811009134.jpg)
Being rich doesn't inoculate you against debilitating fear of poverty
The fear of ending up in poverty is real for some Australians no matter how well heeled, Nina Hendy reports.
![Gary and Beancaa Stanley have made huge savings on their electricity bills by installing solar panels and batteries.](http://web.archive.org./web/20170711001940im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/1/0/y/4/image.related.landscape.120x80.gx10sn.png/1498809455743.jpg)
How to fight back against rising energy costs
As everyone who pays power bills knows, electricity prices and gas prices are soaring and energy market observers are expecting further rises.
![The gap between interest rates on interest-only home loans and others has widened significantly.](http://web.archive.org./web/20170711001940im_/https://www.fairfaxstatic.com.au/content/dam/images/g/u/2/4/w/n/image.related.landscape.120x80.gx0vvt.png/1499187571604.jpg)
Is it time for property investors to start paying down debt?
The tax benefit from an interest-only loan is now outweighed by the savings on offer with principal & interest loans.
![Qantas has helped put Caitlin Fitzsimmons into second spot](http://web.archive.org./web/20170711001940im_/https://www.fairfaxstatic.com.au/content/dam/images/g/u/y/z/r/d/image.related.landscape.120x80.gx1sj0.png/1498787107231.jpg)
Ellis makes hay as Shares Race enters its final week
Angie Ellis of 80 20 Investments continues to go from strength to strength in the third week of the four-week Shares Race with good performances from most of her 10 stock picks.
![</p>](http://web.archive.org./web/20170711001940im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/y/d/p/5/image.related.landscape.120x80.gx1vx6.png/1498791204742.jpg)
Five investing concepts you might be getting wrong
"You keep using that word", Inigo Montoya said in the movie The Princess Bride, "I do not think it means what you think it means."