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Wealth

Personal Finance

Yesterday

The battle for the best talent is spreading globally.

Talented people make nations pay for high taxes

The best and brightest minds globally are fleeing high-tax regimes for jurisdictions offering financial incentives.

  • Christopher Joye
Tim Baker has bought more than $15,000 of wine in the past three years.

‘Investments of passion’: Why I spent $15,000 on wine in three years

Tim Baker was bitten by the wine bug in France.

  • Louis White

February

While it might seem counterintuitive for the government to force you to draw down more of your super, there is method to the madness.

How much cash can my parents pump into superannuation?

This strategy could allow a couple to contribute $940,000 to super.

  • John Wasiliev
Indexation means the concessional contributions cap is being lifted from $27,500 to $30,000.

How to take advantage of higher superannuation contribution caps

If you make voluntary pre-tax contributions, the increased cap may mean a bigger deduction and tax saving.

  • Colin Lewis
Rebecca Pritchard of Rising Tide Financial Services.

How couples can narrow the gender pay gap in super

The gender pay gap and time out of the paid workforce mean women tend to retire with less superannuation, but there is a little-known strategy couples can use to even the score.

  • Nicole Haddow
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Retiring wealthy? You still need a budget

Drawing up a budget and sticking to it is essential for wealth creation, regardless of income level.

  • Michael Hutton

‘Transition phase’: Five steps to mentally prepare for retirement

Leaving full-time work is a massive life change for many people, but advance planning can help ease the adjustment to life in a slower lane.

  • Sian Powell
Joy Sparks balances part-time teaching with her art and charity work.

Retirement income products: What are my options?

A new generation of super products is attempting to address retirees’ concerns.

  • Duncan Hughes
Beautiful Lucca.

From Sydney to Siena: Sort your finances to retire abroad

You’ve hit 60, you’ve got your super and your time is your own. Should you make that move to Tuscany?

  • Sylvia Ramsey
AFR

Sisters take on extended family to win $13.5m inheritance dispute

A sharp rise in blended families is creating complex legal issues, particularly for inheritance claims.

  • Duncan Hughes
Over 2023 there were a number of private credit funds that returned well above 10 per cent, even as high as 12 per cent.

Why private credit is redefining fixed income

There’s a lot to like about investing in private credit but beware the shonks.

  • James Weir
Macquarie’s book-build peaked at an astonishing $4.97 billion of demand.

Macquarie secures record demand for bonds

Investors are retreating from illiquid assets in favour of high-yielding bank bonds.

  • Christopher Joye
AFR

How high earners can claw back lost stage three tax cuts

Experts explain how to reclaim lost stage three tax cuts via extra superannuation contributions.

  • Duncan Hughes
The 4 per cent rule came to underpin much retirement income planning.

Is 4pc still retirement’s magic number?

American financial planner William Bengen came up with a neat answer to one of life’s thorniest financial questions – how long will my savings last in retirement? – and it took off like a rocket.

  • Penny Pryor and Joanna Mather
asdfa

The amount of low-tax money you can put into super is about to jump

Workers will be able to pump more money taxed at low rates into superannuation after strong wages growth triggered the first increase in contribution limits in three years.

  • Joanna Mather
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SMSF portfolios are positioned for capital preservation – and avoiding sleepless nights.

Proof that SMSFs outperform when markets tank

SMSFs beat regular funds by 4.1 percentage points in the 2021-22 financial year.

  • Peter Burgess
A question of super.

How to reduce tax on real estate profits in an SMSF

Carefully consider the tax implications of transferring real estate from an SMSF into your own name.

  • John Wasiliev
Deciding when to stop IVF can be very difficult.

We’ve spent $40,000 on IVF. I want to continue, but my partner wants to stop

No one’s doing fertility treatment because they want it, says psychologist Narelle Dickinson, so make time for compassionate conversations and be honest.

  • Penny Wise
The impact of 13 rate rises in 15 months is yet to fully percolate through the economy.

Banks tread softly on bad debts – but will it last?

Experts say the market could be underestimating bad debt charges for the big four.

  • Stewart Oldfield
A stagflationary environment is not out of the question – sticky inflation yet weakening economic growth.

This is the way to get better total portfolio returns

Don’t let the Magnificent Seven divert you from the basics of investing – everyone focuses on 2023 but ignores weakness in 2022.

  • Giselle Roux