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The blog for people who want to understand their finances better and feel more in control of their money.
This blog is for educational purposes only and contains general information. It does not take into account your personal objectives, financial situation or needs. Before acting on any information, you should consider whether it is appropriate for your circumstances. If you would like advice tailored to your situation, you can book an appointment with one of our financial advisers here.
Should You Sell Your Investments Before the Capital Gains Tax Changes on 1 July 2027?
From 1 July 2027, the 50% CGT discount is replaced by inflation indexation, with a minimum 30% tax rate on affected gains. The change is prospective, so the gain you've already built up keeps the old rules whenever you sell. Which is exactly why selling before the deadline may not help. Here's what's actually worth reviewing.
Buying Property With Siblings: What Should You Agree on First?
Buying property with siblings can make home ownership more achievable, but you need clear rules around ownership, costs, selling, unpaid work and what happens if someone dies.
Should You Help Your Kids Buy Property?
Helping your children buy property can give them a valuable head start, but it can also affect your retirement, savings and housing security. Here are the questions to answer before you commit.
Offset Account vs Investing in Shares: Which One Could Make You Richer?
When interest rates are high, the offset account can feel like the obvious place for extra savings. But if you’re trying to build long-term wealth, is keeping your money in offset always the smartest move?
Negative Gearing Changes: Is Property Still the Best Way to Build Wealth?
If negative gearing changes make existing residential property less attractive, investors may need to rethink the old property playbook. Here’s what to consider before making your next move.
When Do We Sell Our Investment Properties — Retirement Edition
An investment property that worked during your wealth-building years may not be the right fit in retirement. This article looks at when selling could improve cash flow, reduce stress and support your retirement lifestyle
The Downsizer Strategy
Around 10 years from retirement, the choices you make now can have a big impact. Here’s what to consider with super, mortgage debt, investments, insurance and the life you want next.
The Comparison Challenge – Super, Shares, Property
Super, shares or property. Where should your money go? Comparing returns alone can be misleading. The better answer depends on tax, access, risk, and what you need the money to do.