Ask an expert
Opinion
Opinion
Should I take money from my super to pay off a high-interest loan?
Withdrawing money from your super, paying off the loan and reducing your interest should give you certainty and hopefully save you money.
- by Noel Whittaker
Latest
Opinion
Retirement living
When will the minimum super withdrawal rate return to normal?
There has been no specific announcement from the government, but it’s expected the pandemic changes to super mandatory drawdown rates will be reverted.
- by Noel Whittaker
Opinion
Opinion
Should I sell shares to keep my SMSF below the new $3m limit?
Doing the limbo... Investors with large amounts in super are working out ways to stay below the proposed $3 million tax threshold.
- by George Cochrane
Opinion
Household debt
We just paid off our credit card. How do we avoid getting into debt again?
Staying out of debt and saving money can sometimes feel like an unattainable goal. It can be better to start off small.
- by Paridhi Jain
Opinion
Opinion
Should I use the money in my offset account to pay down my mortgage?
Keeping your money in your offset account leaves you with more options down the track.
- by Noel Whittaker
Analysis
Analysis
Should I use my savings to top up my super?
Your employer already contributes to your super account, so should you be topping that up?
- by Paul Benson
Opinion
Opinion
Should I consolidate both my super funds before I retire?
If your retirement savings are split between different performing funds, it’s a good idea to consolidate them.
- by George Cochrane
Opinion
Financial literacy
Spending too much? Here’s what you can do about it
Overspenders get a bad reputation, often being seen as being lazy, irresponsible and uncaring towards their finances. But I have a different perspective.
- by Paridhi Jain
Can I withdraw money from my super tax-free and recontribute it before turning 75?
Provided you make the contribution before September 28 (28 days after the month after your 75th birthday) you could use the bring-forward rule.
- by Noel Whittaker
Opinion
Opinion
I was given a house for $1 and am now selling it. How do I save on tax?
When selling the property, you can declare a cost base of $1 if you wish (and the ATO would love you), but you should instead determine the real value.
- by George Cochrane
Opinion
Opinion
I’m a new investor in my 30s. Should I hire a financial adviser?
Don’t assume a financial adviser will automatically sort out your mess for you. It pays to do your research and be prepared.
- by Paridhi Jain