If you do not meet your super guarantee (SG) obligations, you may have to pay additional penalties or charges on top of the super guarantee charge (SGC).

Scammers operate in an ever-evolving space and the scams of today are far more sophisticated than they have ever been, targeting even the most financially literate individuals.

In addition to the financial impact from a scam, it can affect your mental health as well as damage your reputation, so understanding how scammers operate is the best way protect yourself from falling victim.

If retirement is just around the corner, the current financial climate may make you feel a little uneasy. Watching the markets fluctuate might leave you worrying about whether your superannuation will be enough to see you through.

It’s not a time for hasty moves, though.
If you are concerned a calm review of your current portfolio and investment strategy may be helpful.

Bonds are not usually the flashy upstarts of the investment world with their every move reported, like stocks.

But the Trump Administration’s extraordinary refashioning of world trade, with on-again off-again tariffs of eye watering amounts, has put bond markets in a similar position to share markets – in turmoil.

The Star Ratings system debuted in December 2022 and it was designed to help families find high-quality aged care providers.

The five-star scale was introduced in response to the Royal Commission into Aged Care Quality and Safety. It was meant to distil complex care metrics — Resident Experience (33 percent), Compliance (30 percent), Staffing (22 percent) and Quality Measures (15 percent) — into a digestible score.

Hospital admissions can be distressing for individuals and costly for healthcare systems. Many of these admissions, particularly for older adults and those with chronic conditions, can be prevented through adequate support at home. Home Care Packages (HCPs) play a vital role in reducing hospital entries by providing tailored care that promotes health, safety and independence.

Work out how long your super or account-based pension will last.

There are many variables that come into play when calculating how long your super or account-based pension will last in retirement, and it can be challenging to figure it out alone.

When you start to plan for retirement, you’ll need to check your super:

You can do this in 5 simple steps with the ATO's super health check. For most people it only takes a few minutes.

Review your investments regularly to make sure you're on track to reach your financial goals and you're comfortable with the investment risks.

Find out how to review your investments' performance and what to do if you're not getting the returns you expect.

You can access your super early in very limited circumstances, including to pay certain expenses on compassionate grounds, as well as terminal illness, incapacity and severe financial hardship.

For information on how to save money for your first home inside your super fund, see First home super saver scheme.

Periods of high volatility have forever been part of investing. But even seasoned investors might feel tempted to retreat to “safe” assets like cash during these times.

While this approach may help you sleep better at night, it’s unlikely to be good for your financial well-being.

Australians will head to the polls on May 3, and with housing affordability shaping up as a key election issue, we unpack how the two major parties are pledging to help first home buyers.

Housing affordability has reached boiling point.

Both Labor and the Coalition agree on this.

But they’re offering different solutions for first home buyers.

Much of the 2025 Federal Budget was already known, after a volley of pre-election spruiking for votes. But Treasurer Jim Chalmers had one surprise up his sleeve - $17 billion in tax cuts. The first round of cuts will kick in on 1 July 2026 and second round on 1 July 2027, saving the average earner $536 each year when fully implemented.

In the shadow of an upcoming election, Jim Chalmers’ fourth Budget delivered small but unexpected tax cuts for all Australian taxpayers.

The modest cuts were delivered against a backdrop of growing economic uncertainty, with the treasurer emphasising the need for national resilience in the face of rapid global change.

We’re all trying to live our best lives, right? Sometimes, we get stuck in one area – whether it’s spending all your spare time hitting the gym or counting every calorie to lose weight. We know the secret to true wellbeing is balance – but what does that actually mean?

The number of Australians aged over 65 is expected to more than double in the next 40 years while the number of people aged over 85 is predicted to triple in that time.ⁱ

Aged care funding and services have seen major changes in the years since the 2021 report of the Royal Commission into Aged Care Quality and Safety, and this year is no exception.

A well-thought-out investment plan can help you thrive financially as well as protect you from falling into some common behavioural investment traps.

But how do you create an investment plan? And where do you start?

Thanks to the decisive victory of US President-elect Donald Trump, we’re now set to hear a whole lot more of his favourite word.

It’s something of a love affair. On the campaign trail in October, he said:

To me, the most beautiful word in the dictionary is tariff.

Crypto-assets (crypto) include assets described as coins, tokens or sometimes cryptocurrencies. They digitally represent your ownership of a valuable thing or rights to something. They may or may not be backed by physical assets.

Crypto is a high-risk investment. The value of crypto is very volatile, often fluctuating by huge amounts within a short period.

Be suspicious of anyone offering you easy money. Scammers are skilled at convincing you that the investment is real, the returns are high and the risks are low. There's always a catch.

If you think you've been targeted by scammers, act quickly.