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    Wealth

    Personal Finance

    This Month

    Protesters hold banners during a demonstration against the far-right and racism in central Paris, France, on Saturday, June 15.

    Attention investors: the risk of a sovereign debt crisis is back

    The financial market volatility induced by the political dramas in France show the world is moving into a new risk regime.

    • Updated
    • Christopher Joye

    Can I do anything to maximise my tax return this close to June 30?

    Though the end of the financial year is just days away, there are still some last-minute ways small businesses can reduce their tax liabilities.

    • Penny Wise

    My $1.25m super fund can’t pay me enough income

    An 84-year-old is facing liquidity problems with minimum annual pension payments – but there are solutions.

    • John Wasiliev
    Did you gain stocks through an employee share plan? There are some issues to consider to reduce the tax bill.

    How to cut tax if you have an employee share plan

    Don’t assume the taxman won’t come knocking – this is how it works and what you can do to soften the blow.

    • Colin Lewis
    Andrew Creber, CEO of JPMorgan Asset Management, Australia and New Zealand says active investing is back.

    ‘Active’ a dirty word in investing circles, high fees an issue: JP Morgan

    JP Morgan executive Andrew Creber argues active managers are on the cusp of a comeback but passive investor Betashares says ‘no chance’.

    • Michelle Bowes
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    Aussie tech stocks that could supercharge a portfolio

    These seven companies have collectively returned an astonishing 1151 per cent since 2016.

    • James Weir
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    Profligate public spending amplifies inflation crisis

    Financial markets might spit the dummy and unilaterally impose a much higher long-term cost of capital on everyone.

    • Christopher Joye

    ATO warns property investors not to ‘double-dip’ on expenses

    Rental property taxes can be tricky, and that’s before you add in the strata factor.

    • Jimmy Thomson
    Australians are living longer, healthier lives, but the costs are growing.

    When it’s worth giving up government subsidies to stay home for longer

    There may be more home care packages in the recent federal budget, but in some cases you would be better off financing care yourself.

    • Bina Brown
    Life coach Margot Krekeler says downsizing requires significant physical, mental, and emotional effort.

    The four biggest mistakes downsizers make, according to this expert

    Many people overestimate how much they will have left over after downsizing, but smaller doesn’t necessarily mean cheaper.

    • Penny Wise
    Advisers say critical financial decisions are made decades before retirement.

    What to do with $400,000 inheritance when you have no super

    A windfall could give a woman living in her daughter’s granny flat access to three income streams.

    • John Wasiliev

    Eight ways to squeeze more into super – which ones are you using?

    A couple employing just four of these methods could boost their retirement savings by almost $5 million.

    • Duncan Hughes
    Borrowers should do a mortgage health check at least once every 12 months.

    How stage three tax cuts can save you $322,000 on your mortgage

    Directing tax savings to a mortgage can pay off handsomely over the long term.

    • Lucy Dean
    Bring deductions forward and push income into the next financial year to take advantage of the stage three tax cuts.

    Eight ways high earners can maximise their tax returns

    The key message this tax time is to bring deductions forward and push income back.

    • Michelle Bowes
    Some of the stocks backed by investors include ResMed, ASX Ltd, Nvidia and Cleanaway Waste Management.

    Nine stocks to buy and hold forever

    Forget crypto because nothing beats buying and holding a terrific business for the long term to create generational wealth, say fund managers.

    • Tom Richardson
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    Wealthy investors have a ready supply of cash to put back into commercial real estate when they believe the market has bottomed.

    How the ultra-wealthy are preparing for a property uptick

    When Rich Listers hit go on commercial real estate projects, it’ll be a sign that we’re close to a market turnaround.

    • Sam Tamblyn
    Indians consumers throng a market in Ahmedabad. The rising middle class within emerging markets drives domestic demand for goods, services and financial assets.

    Five reasons to look at emerging markets for growth

    Given global structural shifts, valuations may not fully reflect the upside potential of the asset class, which could reach double digits.

    • Cathy Hepworth
    AFR

    Nine tips for creating a successful family dynasty

    Most dreams of creating a family dynasty are dashed within decades but a solid succession plan can save money and grief.

    • Duncan Hughes
    Capital city home buyers now need a deposit of at least $100,000.

    $100,000 may be the new norm for city home deposits

    With a standard 20 per cent deposit, Australians need to have saved a median of $100,000 to enter the property market in capital cities.

    • Michelle Bowes
    Advisers and brokers say the First Home Super Saver Scheme is underused.

    First home buyers have two weeks to score $12,000 tax break

    Advisers say borrowers would be mad not to take advantage of the First Home Super Saver Scheme, but perceived complexity is turning them off.

    • Lucy Dean