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Wealth

Personal Finance

Today

Unshackling workers from their inner-city offices has expanded the appeal of commuter-distance regional locations.

Why now is the time to bag a holiday home bargain

New types of buyers will stoke demand for properties in holiday hotspots but until then, prices will probably remain subdued.

  • Jarrod McCabe

Yesterday

postcodes

The eight postcodes with more than $1 million invested outside of property (Hint: they’re not where you think)

Search the interactive map to find out where Australia’s biggest investors live, and how your suburb stacks up.

  • Michelle Bowes, Daniel Reti and Lucy King

This Month

So, you want to retire to Tuscany?

The idea of moving to Italy is alluring for retirees – la dolce vita, the food, the wine, the beauty, the prices. Just check these practicalities first.

  • Sian Powell
While some assets are easy to value, others can be more subjective and require the specialist skills of a forensic accountant.

‘So many zeros’: Why wealthy divorces are so complex

At the centre of every split is the question of how to divide assets. But the more money that is involved, the more complicated the task tends to be.

  • Michelle Bowes
Empowering yourself with knowledge about super investment options can lead to much better outcomes.

How to decode your super statement

The way super funds label their investment options can be confusing so be sure to pick the one that best suits your life stage and risk appetite.

  • Michael Hutton
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Ideally, super should be boring. But at $94 billion Cbus things seem disconcertingly tumultuous.

Want out of Cbus? Here’s how to pick a good super fund

Cbus, the industry super fund chaired by former Labor Treasurer Wayne Swan, has been in the headlines for all the wrong reasons. If you’re thinking about running for the exits, here are some key considerations and options.

  • Michelle Bowes
An advantage of shares is that if you want to avoid concentration risk you can buy the whole market.

What’s the best way to invest $200,000 – shares or property?

Both asset types have rewarded investors handsomely, but one strategy will net you $500,000 more – provided you can stomach the risk.

  • James Weir
Trouble winding back your spending? Here’s what you need to think about.

How a family of five beat overspending to find ‘freedom’

Toui Lepkhammany and his wife Jen fought lifestyle creep – and won. Now their family is on track to reach “financial freedom” with a passive annual income of $140,000.

  • Lucy Dean

November

Esther Freeman at home with husband Rob and children Benji and Rose.

Parents are investing on behalf of 2m Australian kids

Finder analysis shows that $15,000 invested over 15 years at an average return of 8 per cent could turn into over $49,000 by a child’s 18th birthday.

  • Joanna Mather
Ask yourself what sort of lifestyle you intend to lead in retirement and how much you need save to fulfil that expectation. This number will be your north star.

What successful retirees do one, five and 10 years out from retirement

We asked financial advisers for a checklist of things to do as retirement approaches.

  • Lucy Dean
Kids need to learn to work, to fall down, get up, dust themselves off and build careers.

I work with wealthy families. This is the ideal inheritance size

We have a moment in time to seize the significant wealth transfer while benefiting society and creating the kind of people we want our kids to be.

  • Peter Winneke
Minors can earn up to $416 of investment income tax-free. But beyond $416, they are taxed at quite high tax rates.

A new mum and financial adviser explains how to invest for kids

As I learn to juggle my roles as first-time mum and financial adviser, my mind inevitably turns to setting little Logan up for the future.

  • Kelly Kennedy
“I have yet to meet any individual who has the wish to leave their hard-earned assets to the state,” lawyer Suzie Willis says.

My brother died without a will. Will the government take his money?

Intestacy laws direct that the estate is to be distributed among family members, starting with partners and children.

  • Penny Wise
The inquiry into the financial regulatory framework and home ownership is due to report by December 5.

Two tweaks would let first home buyers borrow $116,000 more: NAB

Changes to the way tuition debt is assessed and a smaller serviceability buffer would increase the borrowing power of younger buyers, NAB says.

  • Lucy Dean
Can’t buy me love (or a house).

‘Let’s get together, double our income’: Money is the new dating trend

Love can conquer most things, but can it overcome financial differences? Australia’s singles aren’t so sure.

  • Lucy Dean
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Amber Daines was disappointed when she found out what was in her father’s will.

‘Hurt badly’: When Dad leaves everything to his new wife

Two women share their heartbreak at being overlooked in their fathers’ wills and 10 strategies for safeguarding inheritances.

  • Nina Hendy and Joanna Mather
Thinking about when to leave, how important work is for you, what makes you happy and how you will spend your time are important considerations.

A psychologist on how to know you’re ready for retirement

I’ve spent the past 17 years researching the psychology of retirement and here are nine things to ponder as you plan for the next stage.

  • Joanne Earl
Not only have American stock markets hit record highs but other risk assets have also surged, with bitcoin jumping to its own record high of $US90,000.

How to invest in the Trump era

From bitcoin to navigating the new president’s Tudor court, investors should bear the following in mind.

  • Gillian Tett
Netflix and UberEats are a last bastion of fun for families and young people squeezed by interest rates and rental payments.

The small luxury Australians just won’t give up

Australians are hanging onto their subscriptions, reflecting a world in which the little luxuries may be all they have left.

  • Lucy Dean
The most important factor in terms of housing and reducing loneliness is relationships.

How retirement communities forge friendships and boost health

The importance of ensuring people stay healthier, more engaged, and better connected for longer is becoming clearer.

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Super recontributions are growing in popularity.

This super loophole can create tax-free money for the kids 

There has been a surge in the number of people using so-called recontribution strategies, which allow older Australians to wash tax from super inheritances.

  • Michelle Bowes
Owen Hereford is determined to raise his three daughters Grace, Elizabeth and Bella without a sense of entitlement.

Signs you’re raising entitled brats (and how to avoid it)

Keeping children grounded and helping them understand the value of money is a perennial problem for wealthy parents. This dad reckons he has the answers.

  • Michelle Bowes
Stephen Pastor is working hard to reframe his attitude to money.

‘I’m worth millions but I still fret about money’

Money mindsets are established early in life and can lead to poor financial decision-making, but there are ways to reframe your approach.

  • Joanna Mather
Interest rate movements often have a greater effect on sentiment than affordability.

Spoiler alert: interest rate cuts will be small and slow

What property investors need to know is that interest rate increases often come in clusters, but drops tend to be far more spread out.

  • Jarrod McCabe
He’s back. A Trump presidency will shake up global trade and markets, but investors warn against making sudden moves.

What Trump’s victory means for your money

From a sugar-hit to your super, to higher-for-longer interest rates, and a trade-war on the horizon, here’s what Trump 2.0 means for your finances.

  • Lucy Dean, Michelle Bowes and Joanna Mather