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Wealth

Wealth Generation

This Month

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
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

November

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
Here’s exactly how much you need to invest a month to have $1 million by 50.

$1m by 50: What you need to invest each month to get there

Identifying the monthly sum needed to eventually reach seven figures offers a simple – but critical – lesson about investing.

  • Lucy Dean
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
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Which country could send you home the richest?

From London to Riyadh: six expat hotspots that will make you richer

We sent a hypothetical young lawyer abroad to find out which income and tax combination would help them grow wealth fastest. The winner may surprise you.

  • Lucy Dean

October

The bottom line is this: markets are efficient, except when they’re not.

The strategy that can turn $10,000 to $102,000 in two decades

An investing strategy popularised by Peter Lynch is finding favour again.

  • Lucy Dean

‘The biggest divide in Australia is the intergenerational divide’

Amid the cost-of-living crisis and struggles to get on to the property ladder, it’s getting harder to be young and rich these days.

  • Lucy Dean
Investor Ainsley Marcus is using the ASX options game to learn more about investing.

Want to trade options? The ASX can teach you how

Ainsley Marcus, 34, says playing the ASX options game showed her investing could be more interesting than “just buying and selling shares”. But her money is still with ETFs.

  • Michelle Bowes
Where you put your money depends on your risk tolerance and time-frame.

Where to invest $10,000 for two, five, 10 and 20 years

The decision on where to invest comes down to two factors: how long do you have, and how much risk you are willing to take.

  • Lucy Dean

Earning good money but saving nothing? Here’s what to do

No matter how much you earn, good budgeting is the foundation of financial success.

  • Lucy Dean
House price valuations relative to incomes are at record highs. 

Tweaking the 3pc buffer rule misses the real problem with housing

Reducing the mortgage serviceability test would allow more borrowers into the market. But the test is only one part of a much gnarlier problem.

  • Lucy Dean
Commonwealth Bank had been in a “hyper rally”.

How to know if it’s time to sell shares

Sometimes it’s best to sell slowly; at other times quicker is better. Experts weigh in on how to know when it’s time to sell.

  • Lucy Dean

September

What’s your favourite way to save money?

The $1 rule, and 43 other easy ways to be better with money

Not everything about money has to be hard. We asked experts for their top tips on how to be better at saving, budgeting and investing.

  • Lucy Dean

August

Family offices are ready to invest their cash reserves.

Two-speed economy exposes the great Australian divide

The gap has widened between younger and older Australians, small and large businesses, and resources-rich Western Australia and the east.

  • John Kehoe, Michael Read, Carrie LaFrenz, Tom Rabe, Ayesha de Kretser, Lucas Baird and Sam Buckingham-Jones
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Norman Zhang

Why the rich are decarbonising their portfolios

Wind and solar may have disappointed, but wealth managers see opportunity in areas such as waste management and disability housing.

  • Joanna Mather
Property investors have had a sizeable advantage over sharemarket investors.

Young investors buy geared ETFs as property becomes a pipe dream

Leverage is what makes the housing market such a wealth juggernaut. Should ETFs get the same treatment?

  • Lucy Dean

Where you can afford to buy without breaking the 30pc rule

See how suburb-level affordability across Australia’s three biggest capital cities has changed over the past three decades.

  • Lucy Dean and Les Hewitt

July

Protecting transfers to children is not simple, say lawyers, advisers and brokers.

The worst way to give your kids money, according to banks

What every parent considering gifting or lending cash to their kids for a home deposit must know.

  • Lucy Dean
Planning for a comfortable future: Micheala Ripa.

How this 29-year-old pilot plans to retire at 50 with $2.5m

From meal-prepping a month in advance to investing in Tesla and Coca-Cola, here’s how one young couple is hoping to retire early.

  • Lucy Dean