As a financial adviser, I’m often asked about superannuation, especially as people get closer to retirement, so I thought I’d share a quick rundown of super and the rules that apply. At the time of writing, most eligible employees receive compulsory super equal to 12% of their earnings from their employer. (12% is the minimum […]
Contribution caps to increase from 1 July
From 1 July 2026, super contribution caps are increasing – that’s the amount Australians can contribute to super each year before extra tax may apply. In broad terms, the annual before-tax (concessional) cap will rise from $30,000 to $32,500, while the annual after-tax (non-concessional) cap will rise from $120,000 to $130,000. For people eligible to […]
Turning 74? It’s time to maximise your super
Reaching age 74 is more than a birthday milestone – it’s your last (and often‑missed) chance to give your superannuation a meaningful boost. Australian rules allow most people to keep contributing to their super right up until they turn 75. After that, the door largely closes. That final contribution year can be incredibly valuable, especially […]
Smart travel for seniors
If you’re not feeling as young or as mobile as you once were, that doesn’t mean the adventure of travel has to stop. With a little extra planning and the right mindset, your next holiday can be just as joyful, relaxing, and enriching as ever. Here are our top tips to make it happen: Choose […]
Time is money … or is it?
We’ve all heard the expression ‘Time is money.’ It’s meant to warn about the monetary costs of being idle. That is, the opportunity costs of not making money while we’re ‘young and able’, and the risks of spending the money we earn when we’re not ‘hard at work’. Sadly, the ‘time is money’ mantra has […]