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A family can hold life insurance and still be badly exposed. Australian data shows that 1.0 million people are underinsured for death and total and permanent disability needs, while 3.4 million are underinsured for income protection. Around 15.0 million Australians…
Dollar cost averaging means investing a fixed dollar amount on a regular schedule, such as weekly, fortnightly, or monthly, regardless of the market price. You automatically buy more units when prices are low and fewer when prices are high. That…
You've spent years building a home, superannuation and savings, and now retirement is close enough to feel real. Then a neighbour mentions the Age Pension, and suddenly simple questions become difficult: will your age qualify, does your Perth or regional…
The most popular retirement advice is also the least useful: save a large enough super balance and everything else will work itself out. It won't. A balance is a starting point, not a retirement income plan. For a Perth couple…
Sarah earns $65,000 as a teacher. Mark earns $130,000 as an electrician. They're building a life together, but Sarah's super balance has fallen behind after time away from work. Mark contributes $3,000 to Sarah's super and expects a tax offset…
You've retired, the super balance is finally working for you, and the plan looks sensible on paper. Your account-based pension pays the bills, the Age Pension may provide a top-up, and there's enough left for Christmas visits with the kids…
You've been earning a solid salary for years, building super, paying down debt and perhaps holding an investment property. Yet the question keeps returning: what is passive income, and could it make work optional or retirement less stressful? The marketing…
Most Australians are told that their superannuation already includes enough insurance. That advice is convenient, but it's often wrong. Default total and permanent disability cover is a starting point, not a complete protection strategy, particularly if you have a mortgage,…
“Maximise super first” is tidy advice, and it's often wrong for executives. Once your income, equity compensation, household debt, insurance needs and super balance become substantial, the problem isn't just accumulating more. It's deciding which dollar belongs in super, which…
For 2026/27, the average recommended workers compensation premium rate in WA is 1.931% of wages, up from 1.823% the year before. Every WA employer with at least one worker must hold a current policy at all times. If you're running…