If you’re currently holding your super in a standard "Balanced" or "International Shares" pooled fund, you are likely paying a "success tax" every single year that you probably don't even see. In the industry, this is known as a Tax Drag.
Because kids have decades of growth ahead of them and their own (eventual) adult tax-free thresholds, they are the ultimate "long-term investors." If we set things up correctly now, we can help them build a massive head start without the ATO taking a giant bite out of their future nest egg.
There are some very important considerations in choosing an ETF to buy that are totally in your control. This post explains why you should know about transaction costs, FX fees, Domincile and reporting status to name but a few.
Don't die owning UK shares. The sneaky inheritance tax trap hiding in UK-domiciled assets
The Case of the Vanishing £800: Why Your New Investment Just Slapped You in the Face
I'm a big fan of low cost index funds and ETFs. They outperform the vast majority of actively managed funds and have allowed the everyday investor simple, convenient cost effective access to invest in all markets the world over.
With Australian super fund fees falling rapidly, index-based options from industry funds now rival the lowest-cost ETFs. We’ve compared the main contenders — Hostplus, AustralianSuper, Rest Super, and Vanguard Super — to find which delivers the most international exposure for the lowest all-in cost. 🔍 Comparison Table Fund / Option Strategy Index Tracked
See how much you could benefit using debt recycling with our debt recycling calculator
I've not listed accounts with introductory periods, as these are usually only for a few months, then you revert to a low rate of interest. I've also excluded account where you have to grow your balance each month and make a minimum number of transactions as
Consider income and time when considering hosting your home on AirBnB
For too long, millions of people have entrusted their retirement savings to high-cost funds, often without understanding the massive financial drain. I recently offerred to look over a friend's UK pension and what I found was shocking!
Did you know you still get the UK new state pension every year even if you live abroad? If you’re a Brit who now lives down under (or anywhere else abroad for that matter) I have some good news for you. All those years working hard in England, commuting