BaldMoney (Page 2)

The Art of the Tax-Efficient Exit: A Guide to Living Off Your Assets

Consider tax when deciding which assets to sell. The amount of profit and length of holding can make a potentiall big tax bill into one much more digestible.

The Superannuation "Tax Wipe": How to Legally Delete Your CGT at Retirement

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.

Investing For Your Kids in Australia

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.

ETF Buyers Checklist (UK)

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

What is the Index in Index Funds anyway?

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.

Cheapest 100 % Equity & Growth Super Options in Australia (2025)

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

Debt Recycling

See how much you could benefit using debt recycling with our debt recycling calculator

Happiness is knowing your savings are working hard

Best High Interest Savings Accounts (Australia)

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

Host your home on AirBnB while you're on holiday? Check the fees first

Consider income and time when considering hosting your home on AirBnB

Are Your Pension's High Fees Stealing Your Future?

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!

UK

The £259,279.80 Decision: Don't Leave Your UK State Pension Behind

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

Surcharges - the secret rip-off

Why are credit and debit card surcharges still being charged in Australia? I find it anoying after having seen the price and then paid, to then find I was actually charged a slightly higher cost on my receipt! If you havn't noticed this yet, ask for your receipt

security

Don't Get Burned by Your Bank's Terms of Service

Be careful about giving out your online banking credentials to third parties. It could leave you liable for any losses.

Mortage

Stop Outsourcing Your Life: Why Taking Responsibility Beats Crossing Your Fingers

Stop outsourcing your financial future to glossy brochures and charming sales pitches. From dodgy property deals to overpriced mortgages, the cost of handing over responsibility is real—and expensive.

Best Of

Best way to ride the FAANGs (Australia, UK and US)

FAANG stocks earned their reputation as "superior" or market-beating stocks primarily due to their market dominance, massive scale, widespread popularity, strong historical growth, leadership in their respective industries, and adaptive, innovative business models.

Recomended Books

Here are some of my favourite books about personal finance, investing, and money management. Your Money or Your Life - Vicki Robin, 1992 This book changed my life. It introduced me to the concept of being able to live of your investments once they reach a certain amount to generate

podcasts

My Favourite Money Podcasts

Some of my most listened to podcasts about finance

You are the 5% of the richest people on earth

To remind yourself of that go visit https://www.gapminder.org/dollar-street to appreciate all you have with fresh eyes.

Superannuation

Get a $500 Gift from the Australian Government

Earn under $49,488? You could get up to $500 from the gov via the super co-contribution. Just put in $1,000 after-tax into super and they’ll add 50%. It’s a rare 50% guaranteed return!

forex

BaldMoney Review: Wise - Don't Get Ripped Off on Foreign Currency Transfers!

Wise isn't just a better way to transfer money; it's a financial revolution. It empowers you to take control of your money, demystifies the world of international finance, and ensures you're not getting ripped off by hidden fees and unfair exchange rates.

Self investment

Invest in yourself

My number one tip to invest in yourself would be to read. That's it, just read books. Actually not any old trashy novellas, but non fiction books that teach you something about the world.

Shares

1.5 million wiped off your wealth!

Any of these headlines sound familiar? “Crash! Share market falls of a cliff, $200 billion lost” “Share market loses $41 billion as market drops to two-year low” “$50 billion wiped off share market, worst result since Brexit” “Why the stock market plunged on Monday” Oh no!, run for the hills,

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