Investors can employ diversification strategies beyond just asset allocation

The concept of diversification, not putting all your eggs in one basket, as a means of reducing risk has been an enduring investment concept.

Volatility is how the return on an asset fluctuates over time. Using the share market as an example, volatility is often measured by changes in the price of a share. When the market is volatile, as it has been recently due to the geopolitical tensions in the Middle East, prices can rise or fall a lot in a short time.

7 simple steps to get on the investment ladder

Entering the world of investing can be a life-changer for people of all ages. Here are seven simple steps for beginners to start their wealth journey.

The Reserve Bank of Australia (RBA) is pushing to take card surcharges off the table as early as October 2026, in a move that could impact small businesses that currently pass the fees on to customers.

With only a few months left before Payday Super begins on 1 July 2026, small business employers need to act now. Here are some steps you can take to get your business Payday Super ready.

If you provide work vehicles or other perks to employees – even if they're provided occasionally – you may be providing a fringe benefit. This means you could have FBT obligations for the FBT year.

If you have ever checked your super balance and wondered whether you are “behind” for your age, you aren’t alone.

To see where you truly sit, you should ignore “averages”, which can be skewed by a small number of very large balances. Instead, we look at the median, which is the middle value. Half of people have more than this amount, and half have less.

Many older Australians are understandably eager to access their superannuation, but strict rules apply.

For many Australians, superannuation will be their most significant source of long‑term savings.

Cash flow is essentially your income minus your expenses over a period of time. You can measure your cash flow on a monthly basis by looking at how much you’ve earned (whether through salary, dividends, side hustles, or rental income from an investment property) and how much you’ve spent.

Getting yourself ready for maternity or paternity leave involves more than just organising your time away from work. It’s about setting yourself and your family for success for one of the busiest times you’ll ever have, while ensuring your finances are in order.

Retiring well means making a series of decisions to ensure a financially secure post-work life. One practical step is to work out the income you need each week to survive and thrive when you stop working.

Retirement is an opportunity to assess where you live and how you want to live. 

Retirement may be a time to think about whether you want to stay where you are, downsize or move into a retirement home.

If you need help at home, the Australian Government provides a range of care services.

The first thing to do is think about what you need. You might want to stay in your own home but need some help with domestic chores. Or you might be ready to start looking at options for longer-term residential care.

Using publicly available, general-purpose artificial intelligence (AI) for money questions? Learn when it can help, and when you should get more information.

Talk of a recession in Australia has picked up in recent weeks. Rising fuel prices, a sharp fall in consumer confidence, and signs of softer spending have all added to concerns the economy may be losing momentum.

Around 70 per cent of small businesses are family enterprises. That is a powerful reminder of how much trust, shared values and long-term commitment drives the small business sector. Family businesses often benefit from loyalty, resilience and a strong sense of purpose.

As the end of the financial year approaches, it’s a busy time for preparing your taxes, reviewing super, and getting your finances in order. Unfortunately, it’s also a peak period for scammers looking to take advantage of people and businesses who are focused on deadlines and end-of-year financial tasks.

The income assumptions many have carried into retirement are being tested in the current economic climate.

Markets have lurched from one direction to another; interest rates have lifted faster than expected, with the possibility of more increases in the months ahead, and there’s no end in sight to the global uncertainty.

If you have an SMSF, find out how the new Payday Super Regulations will impact SMSFs when Payday Super starts from 1 July 2026.

With the Payday Super Regulations starting from 1 July 2026, take the time to see how the changes will impact your SMSF.

When we talk about your long-term financial plan, we cover investments, superannuation, retirement income, and estate planning.

But there’s one area that’s often overlooked, and it can have a significant financial impact if it’s not planned properly: aged care.