![Ride investment trends from selling clean food to China to healthcare for the ageing population in the developed world.](http://web.archive.org./web/20170808041026im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/p/b/k/p/image.related.wideLandscape.940x529.gxontf.12uqus.png/1501977713645.jpg)
Money features
![Major banks often pay savers significantly less than the market leader through their term deposits.](http://web.archive.org./web/20170808041026im_/https://www.fairfaxstatic.com.au/content/dam/images/g/m/o/t/4/d/image.related.landscape.120x80.gxo0g0.png/1502073277215.jpg)
Term deposit interest rates dwindle to record lows
The Reserve Bank may have kept official interest rates unchanged for the past year, but it's a different story for people with savings in the bank.
![In many states you need a licence to use a boat.](http://web.archive.org./web/20170808041026im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/q/p/6/v/image.related.landscape.120x80.gxqpdl.png/1502072015929.jpg)
Financial 'education' can be a trap for the unwary
If only there was a defined path to the Holy Grail, the ability to know which stocks are going up and which are going down and when.
![Pot stocks have enjoyed fevered interest since the government's moves to legalise the nascent sector.](http://web.archive.org./web/20170808041026im_/https://www.fairfaxstatic.com.au/content/dam/images/g/t/h/v/p/a/image.related.landscape.120x80.gxqq5o.png/1502073971295.jpg)
More than half of floated companies are underwater a decade later
Companies are floated to make money … but not for you.
![Opposition Leader Bill Shorten claims that family trusts are used to avoid paying a 'fair share of tax'.](http://web.archive.org./web/20170808041026im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/o/5/0/s/image.related.landscape.120x80.gxo4z7.png/1501950084191.jpg)
Labor's war on trusts not all it's cracked up to be
The parliamentary landscape got even murkier last week with opposition Bill Shorten's rant against "inequality" and his promise to make the rich pay "their fair share of tax".
![Richard Pritchard has has done well from medical cannabis stock, Cann Group.](http://web.archive.org./web/20170808041026im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/r/w/9/8/image.related.landscape.120x80.gxp7e8.png/1501812188829.jpg)
Ellis holds commanding lead in week three
While most contestants lost money during week three of the four-week Shares Race, Angie Ellis, of 80 20 Investments, increased the value of her portfolio.
![If you need to tighten your belt, look to the older generations for inspiration.](http://web.archive.org./web/20170808041026im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/p/8/r/1/image.related.landscape.120x80.gxp8me.png/1501861579250.jpg)
Households are doing it tough. Here's how to tighten your belt
Many Australian families are struggling because the price of education, healthcare and power continue to rise, and pay packets aren't keeping up.
![Market Forces' Daniel Gocher says "trustees and super funds must be considering climate risk and disclosing their ...](http://web.archive.org./web/20170808041026im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/o/2/n/j/image.related.landscape.120x80.gxnpj9.png/1501672945378.jpg)
Most super funds failing to disclose climate risk
The $2.3 trillion superannuation industry is so woeful in its disclosure of climate risk that trustees could be in breach of their legal duties.
![Downsizing apartment buyers Steve and Sharon Cook in Melbourne.](http://web.archive.org./web/20170808041026im_/https://www.fairfaxstatic.com.au/content/dam/images/g/k/r/7/v/j/image.related.landscape.120x80.gxnq40.png/1501861691235.jpg)
Downsizing proposals for retirees simple and sensible
Treasury draft consultation papers on super legislation changes rarely provide pleasant reading for those affected by the changes. However, the clarity and sensible provisions of the proposal to allow downsizing home owners to deposit up to $300,000 each in their superannuation account can only be welcomed by older Australians.
![Georgia Leaker, 28, earns about $45,000 a year, pays market rent in inner-city Melbourne, and still manages to save ...](http://web.archive.org./web/20170808041026im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/n/4/i/d/image.related.landscape.120x80.gxmo21.png/1501636256854.jpg)
A Millennial shares her savings tips
Most money savings advice for Generation Y recommends living with your parents, but for many people that's not an option.
![Shares VS Property](http://web.archive.org./web/20170808041026im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/m/v/4/r/image.related.landscape.120x80.gxkpgq.png/1501598114709.jpg)
Aussie shares only fifth-best investment over 10 years
Residential property was the best-performing asset class over the decade.
![Reserve Bank of Australia governor Philip Lowe. The RBA should focus solely on its regulatory responsibilities.](http://web.archive.org./web/20170808041026im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/m/l/g/c/image.related.landscape.120x80.gxmlfp.png/1501688745917.jpg)
What the RBA needs to do (no really)
Central banks understand that the markets want certainty. The problem is that such certainty leads to perverse outcomes.
![Childcare starts to look less expensive when you consider all the financial factors.](http://web.archive.org./web/20170808041026im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/m/4/3/t/image.related.landscape.120x80.gxm3l6.png/1501598079625.jpg)
The two things most parents get wrong about childcare costs
Does it really make more financial sense for one partner to stay home?
![Severe mortgage stress is only a few interest rate rises away.](http://web.archive.org./web/20170808041026im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/w/w/d/o/image.related.landscape.120x80.gxm2ql.png/1501722046832.jpg)
Mortgage warning: 8 per cent is the new 17 per cent
At 8 per cent, mortgage repayments would grow to consume 44 per cent of our incomes.
![Spaceship is backed by Atlassian co-founder Mike Cannon-Brookes.](http://web.archive.org./web/20170808041026im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/v/j/6/y/image.related.landscape.120x80.gxlli3.png/1502061467724.jpg)
The secret war in Millennial super
A dispute between two of the most ambitious new entrants to Australia's $2 trillion superannuation industry is on the radar of regulators and has enthralled the fintech community.
![Singer-songwriter Harry Chapin who wrote Cat's in the Cradle in 1979.](http://web.archive.org./web/20170808041026im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/l/m/7/n/image.related.landscape.120x80.gxlflo.png/1501588096991.jpg)
What you'll regret most at the end of your life
They say no one on their deathbed ever regrets not spending more time at the office. Which is not to say we don't have other regrets.
![Opposition Leader Bill Shorten has said tackling inequality will be Labor's defining mission going into the next election.](http://web.archive.org./web/20170808041026im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/l/m/h/s/image.related.landscape.120x80.gxltqu.png/1501625346927.jpg)
Shorten channels Howard, Costello and Hockey
Every living Liberal treasurer but the latest has wanted to tighten the tax treatment of trusts.
![Research suggests women retire with half the superannuation of men, and are also less engaged with their super.](http://web.archive.org./web/20170808041026im_/https://www.fairfaxstatic.com.au/content/dam/images/g/t/d/y/r/o/image.related.landscape.120x80.gxjv3w.png/1501513317931.jpg)
Claims super is 'biased' against women are nonsense
Superannuation is nothing more than a structure that lets people build assets in a low-tax environment.
![The medical technology company, OBJ, has helped Richard Pritchard move into second spot in the Shares Race.](http://web.archive.org./web/20170808041026im_/https://www.fairfaxstatic.com.au/content/dam/images/g/k/p/d/l/u/image.related.landscape.120x80.gxkh24.png/1501203498514.jpg)
Ellis increases her lead in fantasy shares game
Angie Ellis, of 80 20 Investments, has increased her already commanding lead in week two of the four-week Shares Race.
![Owning a house places retirees in a much more favourable situation than having a large super balance.](http://web.archive.org./web/20170808041026im_/https://www.fairfaxstatic.com.au/content/dam/images/g/v/w/2/z/z/image.related.landscape.120x80.gxjuxs.png/1501194837116.jpg)
Why super has lost its lustre
Having money in super provides cold comfort when there are pressing bills to pay or in the event of redundancy or marriage breakdown.
![Gift cards can be beautifully presented in a box, but they're more likely to be lost or forgotten than digital versions ...](http://web.archive.org./web/20170808041026im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/l/9/l/f/image.related.landscape.120x80.gxl9hi.png/1501575820469.jpg)
Australians waste $70m a year on unused gift cards
When I was a teenager, I used my gift vouchers avidly, but in 2017 not everyone is as diligent with their gift cards.
![Most single parents are women.](http://web.archive.org./web/20170808041026im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/k/n/z/7/image.related.landscape.120x80.gxjybr.png/1501738476907.jpg)
Flying solo: how single parents can improve their finances
Single parenting is tough - there's no glossing over the fact. Even years on from separation both men and especially women suffer financially.
![Research suggests economic empowerment for women improves outcomes for the whole society.](http://web.archive.org./web/20170808041026im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/g/p/t/r/image.related.landscape.120x80.gxjnn7.png/1501598208436.jpg)
What The Handmaid's Tale teaches us about money
The importance of female economic power extends beyond the lives of each individual woman.
![Former prime minister and treasurer Paul Keating was the architect of superannuation and the dividend imputation system.](http://web.archive.org./web/20170808041026im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/1/m/5/l/image.related.landscape.120x80.gxju0z.png/1501590316738.jpg)
Get ready for dividend season
Is there any sweeter (virtual) sound than the digital tinkling of dividends as they fall into your bank account?
![Most of us may as well hang up the landline for good.](http://web.archive.org./web/20170808041026im_/https://www.fairfaxstatic.com.au/content/dam/images/g/t/n/g/r/h/image.related.landscape.120x80.gxjt5r.png/1501454352213.jpg)
Why keeping your landline is a waste of money
Australians remain surprisingly keen on landline phones, but if you're paying for one then you're probably spending money unnecessarily.