Every year, I update my analysis of how to choose the best super fund in Australia. This year I have restructured it, and I think it is the most useful version yet. The guide is no longer just a list of returns. It is built around a simple idea I think most people get backwards. …
Unlike most investments, superannuation’s legal structure forces Australians to adopt a very long investment time horizon. Whether you like it or not, you generally cannot access super until age 60. Investors should use that structural advantage where appropriate, including considering whether gearing has a role to play within their superannuation strategy. The maths behind gearing can be compelling, particularly over multi-decade …
Not sure your super fund still stacks up? We update our best super fund report every year so you always have the current answer. Get the free report and the four-factor framework we use with clients. Download Here As we approach the end of the financial year, now is a good time to revisit your superannuation contributions before the …
There is a growing number of ethical investing options available, both as ETFs and within super funds. For most investors, the idea of investing ethically is appealing. The real question, though, is whether choosing ethical options are riskier or produce lower returns over time. If the risk and future returns are the same, or even better, then I think many more investors …
For most of my career, I have viewed listed property trusts and direct residential property as fundamentally different investments – not substitutes. But once interest rates fell below long-term averages after 2012, many advisers and investors began using REITs as a convenient income substitute: liquid, diversified, and yielding more than term deposits or bonds. That worked for a while, but the …
After the resounding win at the federal election in May 2025, Prime Minister Anthony Albanese and Treasurer Jim Chalmers have been determined to pass changes to the taxation of large super funds in Australia, known as the “$3 million super cap” or more technically Division 296. Whilst we have been monitoring the developments this year and thinking ahead, ultimately, we have been advising our …
I have written before about estate planning – wills, powers of attorney, super, and the like (here in 2018 and here in 2020). That said, we keep getting the same questions on a few topics, so I thought it was worth taking a closer look at them. Beware of higher tax rates for children Minors …
Since launching the Investopoly podcast back in 2018, it’s been a rewarding journey of testing conventional wisdom, learning, research, and discussion around wealth-building, investment strategies, and everything in between. To celebrate the growth and impact of the Investopoly podcast, we have pulled together the most popular blogs/episodes that have resonated with our audience over the …
Choosing a super fund? Read this first. Most people pick a super fund based on last year’s return. That is the wrong way to decide. Our free annual report explains the four factors that actually matter and helps you work out the right structure for your balance. Download here. After the end of each financial …
There’s been a lot of uproar about the government’s proposal to tax unrealised capital gains on super balances above $3 million. The concern is that this sets a dangerous precedent – what’s to stop them taxing unrealised capital gains in other environments. But here’s the irony: most superannuation members already pay tax on unrealised gains …
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