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    When we eventually sell the properties, how will the capital gains be calculated?

    Labor’s ‘double taxation’ in super may not be as steep as you think

    A 30 per cent tax rate is unlikely to ever apply to the entirety of annual earnings for people with balances above $3 million.

    • John Wasiliev
    Personal expenses that are only used by one partner – such as gym memberships or mobile phone plans – should be considered separately.

    My partner earns far more than me. Should we still split bills 50/50?

    One partner in the relationship earns $200,000, while the other earns much less. What’s the fairest way to divide their living expenses?

    • Penny Wise

    Macquarie stokes ETF price war, slashes fees to 3 basis points

    Macquarie wants to shake up the asset management sector with ETFs charging management fees as low as 3 basis points.

    • Tom Richardson

    ‘Don’t waste it’: Smart ways to spend your income tax cut

    Some workers will have an extra $350 a month from July 1. Don’t waste this “powerful” opportunity, experts say.

    • Michelle Bowes and Lucy Dean

    Forget Boomers. Millennials, your next landlord could be a best mate

    For decades, Millennials and Generation Z have blamed Baby Boomers for locking them out of the housing market. But what happens when wealthy Boomers start to give their kids cash?

    • Lucy Dean

    From babies to Boomers: what’s in the budget for you

    The 2024 federal budget includes power bill relief, more training places and additional rent assistance.

    • Joanna Mather and Lucy Dean

    Wealthiest Australians

    Claire Morris founded Prezzee with Matt Hoggett.

    Prezzee co-founder quits Shaun Bonett-owned gift card company

    Claire Morris is leaving the group, and resigning as its brand ambassador. It follows a string of senior executive departures in the last 18 months.

    • Primrose Riordan
    Tim Gurner.

    Gurner-Roberts merger plan sinks

    A lack of “chemistry” between the two Rich List business leaders also hindered a merger of their development and construction businesses.

    • Michael Bleby and Larry Schlesinger

    For this Rich Lister, does the reality live up to the hype?

    Property mogul and entrepreneur Shaun Bonett has a fortune of more than $2 billion, according to the Rich List. Those valuations might not live up to the hype.

    • Primrose Riordan and Nick Bonyhady
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    This Month

    Gladys Noszkowski is a Surfers Paradise retiree. The extension of a freeze on the deeming rate will mean retirees like her will keep more of their income.

    How 870,000 Australians avoided budget income sting

    The figure used to estimate how much retirees’ investments are earning will remain well below where it would otherwise be, easing fears of an “income cliff”.

    • Lucy Dean
    A Russian hacker has been named as being responsible for the Medicare Private hack.

    Deepfake images lure investors to bogus stock clubs

    The ASX is among the latest to be exploited in frauds costing investors at least $25 million a week. Here’s how to spot a scam:

    • Updated
    • Duncan Hughes
    Assistant Treasurer and Minister for Financial Services Stephen Jones is consulting with industry about financial advice laws.

    Government still stumped by financial advice semantics

    The government will try to head off a semantic storm over the term “qualified advisers” by replacing the words with “product adviser”.

    • Joanna Mather
    How can Australia work towards a more balanced and sustainable rental housing market?

    Balancing affordability and profitability in Australia’s rental market

    Addressing affordability is crucial for both investors and tenants.

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    by Terri Scheer

    Australia’s major super funds have overlooked a valuable opportunity by not allocating more to gold.

    Why superannuation funds are wrong on gold

    Millions of Australians could be missing out on the benefits of gold because of a conflict of interest inherent in big super.

    • Chris Brycki
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    Incorporating non-financial factors into long-term investment decision-making is good investing, not just ESG investing.

    No, ESG funds have not had their day

    Recalibration of ESG investing has been an excellent exercise in weeding out the greenwashers, bandwagon participants and naysayers. 

    • Amanda MacDonald
    The potential tax hit is alarming wealthy super savers and forcing some to rethink their strategies.

    How the $3m super tax whack might hit property investors

    Plans to tax unrealised gains on super balances have investors considering options. Here’s what calculations show about the potential impact of the tax.

    • Duncan Hughes
    RBA governor Michele Bullock revealed “the board did discuss the option of raising interest rates”.

    RBA’s credibility at risk as central banks confront interference

    The contradictions in the Reserve Bank of Australia’s communications reveal policy conflicts that could erode its already embattled credibility.

    • Christopher Joye
    Outgoing NSW Building Commissioner David Chandler worked hard to improve the quality of apartment towers.

    Building commissioner’s parting warning for property developers

    David Chandler’s legacy includes an army of inspectors able to identify the developers most likely to produce suspect buildings.

    • Jimmy Thomson
    Emma Lo Russo with her children Eliza and Jack.

    Love or money? What to tell kids about career choice

    Do you tell them to do what they love or urge them to become a doctor, accountant or a lawyer because it will provide financial security?

    • Bianca Hartge-Hazelman
    A Senate Economics Committee interim report says borrowers should be able to access their super.

    Let first home buyers drain super for property: Senate committee

    First home buyers should be able to withdraw all their retirement savings to buy a house, a Coalition-dominated Senate committee has found.

    • Lucy Dean
    ASIC’s Simone Constant says super funds found evidence of fees being charged but no service delivered.

    ASIC finds super funds still charging fees for no service

    Super funds are obliged to ensure members are only charged for financial advice they actually receive but not all are doing so.

    • Michelle Bowes
    While governments find it tempting to punish people holding large balances with more tax, what we really need is to learn from the past.

    A smarter way to tax high super balances

    The government has tried to keep things simple, but in doing so fairness has gone out the window.

    • Meg Heffron
    Forget emotional tirades – focus on getting a decent settlement and moving on with your life.

    How do I avoid a messy, hostile divorce?

    Don’t hire a bulldog lawyer and or make any sudden moves with your finances, lawyers say.

    • Penny Wise
    Sarah Chehab fast-tracked her retirement through the acquisition of this boutique supermarket site in Sydney’s Waterloo.

    The overlooked asset class that could set you up for retirement

    Residential property investment is good for accumulating wealth, but commercial property will provide retirees with a better income stream.

    • Michelle Bowes
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    A question of super.

    We have $700,000 in super – can we buy investment property with it?

    If you want to add a geared investment property to your retirement savings, here’s what you must think about.

    • John Wasiliev
    Macquarie and CBA are going head-to-head to win deposits from business customers.

    Stressed by rates and thinking about fixing? Try the sleep test first

    Lenders outside the big four are offering some of their best fixed mortgage rates in more than a year, but practice extreme caution, experts say.

    • Updated
    • Lucy Dean

    How the CEO of Oroton learnt to make the right career choices

    Earlier in her career, Oroton CEO Jenny Child was frustrated at McKinsey and scored a job offer elsewhere. But a mentor warned her that the grass would not necessarily be greener. Child stayed at McKinsey, was made partner, moved to Australia and now runs a luxury retailer.

    • Ciara Seccombe and Lap Phan

    The investment shift that could undermine your wealth plan

    Whether to invest for income or growth is not the right question to ask for those in or moving to retirement.

    • Tim Mackay
    Services that offer simple wills are not doing the will maker any favours unless they explain what the will maker is giving up by using one.

    Why there is no such thing as a simple will

    You’ve got to understand what you’re giving up when you sign a simple will – and how there are better ways to protect your loved ones.

    • Peter Townsend