![If you take a reverse mortgage and your property doesn't grow in value, your retirement plans could come unstuck.](http://web.archive.org./web/20170716021029im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/b/8/g/v/image.related.wideLandscape.940x529.gxb86z.12uqus.png/1500013316949.jpg)
Money features
![A2 shares are up more than 17 per cent since January after the company twice lifted sales guidance.](http://web.archive.org./web/20170716021029im_/https://www.fairfaxstatic.com.au/content/dam/images/g/u/e/2/m/c/image.related.landscape.120x80.gxblsz.png/1500021168302.jpg)
Ellis up 25pc at midpoint of Year-Long Shares Race
Halfway through the Year-Long Shares Race, seven of our 12 tipsters are in the black and beating the All Ordinaries Index.
![All Home Care Package recipients pay the basic daily fee of 17.5 per cent of the basic single age pension (currently ...](http://web.archive.org./web/20170716021029im_/https://www.fairfaxstatic.com.au/content/dam/images/g/l/7/3/i/u/image.related.landscape.120x80.gxaumj.png/1499984250527.jpg)
Determine the value of life insurance at age 70
Financial expert George Cochrane answers your questions.
![<p>](http://web.archive.org./web/20170716021029im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/a/v/b/m/image.related.landscape.120x80.gxavar.png/1499982762261.jpg)
How to recognise a fake offset account
Financial expert Nicole Pedersen-McKinnon answers your questions.
![Employers now have less power over super.](http://web.archive.org./web/20170716021029im_/https://www.fairfaxstatic.com.au/content/dam/images/g/v/o/k/w/f/image.related.landscape.120x80.gxaux0.png/1499985545077.jpg)
Time to review salary sacrifice
For those wanting to lower tax bills and build up retirement assets, making tax deductible super contributions is now much easier.
![There are ways to tap into housing wealth for aged care, besides selling the property.](http://web.archive.org./web/20170716021029im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/8/7/u/5/image.related.landscape.120x80.gxanu7.png/1500008013952.jpg)
The alternative to selling your home to fund aged care
Selling your home to fund aged care might be the right decision, but sometimes borrowing against the home is necessary, or even a better choice.
![New York-based Australian writer Emma Vuletic let her Brooklyn apartment via Airbnb to stave off financial trouble.](http://web.archive.org./web/20170716021029im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/5/q/b/d/image.related.landscape.120x80.gx7sqi.png/1499996362429.jpg)
How a dip in child support and Airbnb helped one mum make more than $10,000
An Australian writer in New York City gets creative with her apartment.
![Damian Worsdell is a 22-year-old customer service officer who saves $100 a week to invest in exchange-traded funds.](http://web.archive.org./web/20170716021029im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/7/t/1/v/image.related.landscape.120x80.gx7t9q.png/1499746683044.jpg)
Damian's $100-a-week 'play money' habit
When Damian was born, his grandmother bought him a couple of hundred dollars of Telstra shares. Now at 22, he has $25,000 invested in index funds.
![Frustrated millennials can get a taste of the sharemarket.](http://web.archive.org./web/20170716021029im_/https://www.fairfaxstatic.com.au/content/dam/images/g/m/d/x/h/t/image.related.landscape.120x80.gx8c21.png/1499788662132.jpg)
'Play money is important': How the avo generation is hooking into the sharemarket
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/20170716021029im_/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/20170716021029im_/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.
![Actor Elijah Perris.](http://web.archive.org./web/20170716021029im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/z/t/u/u/image.related.landscape.120x80.gx7p9w.png/1499790877719.jpg)
'It makes me feel pretty annoyed': How Elijah's super just vanished
When 11-year-old Elijah Perris won a part on an HBO series The Leftovers, earning superannuation was the last thing on his mind.
![Tesla chief executive Elon Musk (left) and SA Premier Jay Weatherill announced the world's biggest lithium ion battery ...](http://web.archive.org./web/20170716021029im_/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/20170716021029im_/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.
![The ASFA standard for a "comfortable" retirement is better than half of Australian households while they're still ...](http://web.archive.org./web/20170716021029im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/7/6/h/m/image.related.landscape.120x80.gx76ax.png/1499773872604.jpg)
You don't need to be affluent to retire
You probably don't need as much money in retirement as you've been told.
![Retiring from work doesn't mean retiring from life.](http://web.archive.org./web/20170716021029im_/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/20170716021029im_/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.
![Andrew and Sophie Courtney with their daughter on holiday in Tasmania.](http://web.archive.org./web/20170716021029im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/5/p/c/o/image.related.landscape.120x80.gx0rok.png/1499788871618.jpg)
How to have a worthwhile conversation about money
It's not just couples who need to see eye to eye about money. The ageing population and housing affordability are thrusting people into all kinds of situations where communicating productively about financial issues with parents, children and siblings is a must.
![Industry super funds look set to overtake DIY funds and retail funds as the biggest sector](http://web.archive.org./web/20170716021029im_/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/20170716021029im_/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.
![Get a clear idea of your family finances before anyone moves into care.](http://web.archive.org./web/20170716021029im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/m/d/5/o/image.related.landscape.120x80.gx5sev.png/1499309218744.jpg)
Five steps to avoid an aged care fiasco
We all need a plan to help prepare for old age.
![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/20170716021029im_/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/20170716021029im_/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/20170716021029im_/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.