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    Smart Investor

    Today

    There is still time for savers to secure a good deal.

    The window to make decent money on term deposits is fast closing

    Banks have already started cutting interest rates anticipating the Reserve Bank’s next move, but there are still reasonable deals to be found.

    • Michelle Bowes

    Yesterday

    Fund manager Chris Heller toyed with the idea of putting $10 million into an alligator farm.

    The hunt for truly diverse investments – from alligators to concrete

    With regular asset classes increasingly correlated, wealthy investors are looking to some esoteric choices.

    • Alan Livsey

    This Month

    Scott Galloway is a straight-talking professor of marketing at New York Stern University School of Business.

    This wealth book has great advice – so why do I dislike it?

    Scott Galloway is a superstar when it comes to wealth creation. The problem is, he knows it.

    • Andrew Hobbs
    Making sure you pay the minimum pension every year may be a simple rule but if overlooked, the consequences are serious.

    Beware this easily overlooked pension rule with serious consequences

    The ATO does not take kindly to SMSFs underpaying minimum pensions.

    • Peter Burgess
    Reserve Bank governor Michele Bullock.

    Lower inflation could pressure RBA to cut rates

    Very low inflation readings in the coming months will change the interest rate debate.

    • Updated
    • Christopher Joye
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    Opposition to the bill has largely centred on its impact on farmers but it is wealthy inner-city residents that will be most affected by the new tax.

    What advisers are telling clients about the $3m super tax

    Financial advisers are urging parliament to resolve the super tax standoff to give wealthy clients enough time to adjust to the changes.

    • Michelle Bowes
    A transition to retirement pension can help ease you into post-work life.

    How to work less, help the kids and do the job you always wanted

    A transition to retirement pension offers opportunities to revamp your lifestyle, pay down debt or gift a home deposit. Here’s how to take advantage.

    • Duncan Hughes
    David and Jenine Fleming.

    The tools showing retirees they have more to spend than they thought

    Retirement income modelling is advancing rapidly, giving people an unprecedented ability to plan their own financial futures.

    • Joanna Mather
    A question of super.

    With $3.2m super, this couple wants a transition to retirement

    Where one person is already retired and the other is still working full-time, what is the best way to manage retirement savings?

    • Updated
    • John Wasiliev
    The absence of a credit score is not an automatic dealbreaker.

    Can I get a mortgage without a credit score?

    Credit scores are a shortcut used by credit providers to assess your history in repaying debt. But what happens if you don’t have one?

    • Penny Wise
    Morningstar offers a net worth spreadsheet, while the government’s Moneysmart service offers a net worth calculator.

    How to calculate your net worth (and why you should)

    Trying to build wealth without knowing your net wealth is like steering a ship without a compass. You might not get very far, and you could even go backwards.

    • Lucy Dean
    Zac Shparberg is investing in ETFs.

    Millennial Zac dumps home ownership dream for ETFs

    Zac Shparberg, 30, says he has no hope of owning a property in the city he grew up in. So, he’s embraced a different wealth creation plan that experts say could work.

    • Tom Richardson
    Some property market statistics are more helpful than others.

    What property investors need to know about the mean, median and mode

    Property investors need to know the three main statistical metrics and how they each offer a unique perspective on market values.

    • Jarrod McCabe
    Narendra Modi, India’s prime minister, at the Bhartiya Janata Party (BJP) headquarters during election results night on June 4,

    Stability is great for portfolios – if you know where to look

    Poll outcomes across the developing world appear to support growth as the US election looms.

    • Cathy Hepworth
    The researchers found the benefits of annuities vary based on life span and wealth.

    Strategy that can boost retirees’ income by $308k gains traction

    Actuaries modelled the effect of annuities on retirement income for couples with $2 million, $1 million and $500,000 in super.

    • Lucy Dean
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    Andrew Hauser ought to recognise that we benefit from an exceptionally open and vibrant media debate.

    Arrogant RBA boss should stop trying to muffle opponents

    The haughty deputy governor of the Reserve Bank should focus on ensuring the central bank does not once again become a false prophet.

    • Christopher Joye
    Trends in returns over 30 years.

    What investors can learn from 30 years of markets data

    Analysis by Vanguard Australia for AFR Weekend reveals how different asset classes have performed and a surprise top performer in the last financial year.

    • Michelle Bowes
    Paying kids to stay off social media is attractive to some parents.

    Should I pay my children to stay off social media?

    The right age for children to start using social media is a topic of hot debate.

    • Penny Wise
    When money is transferred between members of a couple the gifting rules do not apply.

    Couples go under the radar when it comes to gifting rules

    It means they will not face age pension cuts when moving super between their accounts to maximise opportunities.

    • John Wasiliev
    Sticking with a disciplined contributions strategy is compelling, even when markets are moving against you.

    Why superannuation is the ultimate antidote to market slumps

    The tax benefits of superannuation are so great it’s difficult to lose money.

    • Colin Lewis

    The Australian Financial Review Magazine

    Daisy Knatchbull: “The Deck is for every woman. Every size. Every shape. We don’t discriminate, except when it comes to gender.”

    BOSS Financial Review

    Saul Cannon, CEO of Port of Melbourne.

    Life & Leisure

    Rich List

    Anthony Pratt at the 2024 Met Gala in New York. He and his sisters argue their half-sister’s claim to the family’s $23 billion empire should be dismissed.