Nick Bruining

What the 2024 Federal Budget means for investors

NICK BRUINING: While the Treasurer is optimistically spruiking the minimal inflationary effects of his Budget, money markets will determine what we end up paying for our money in the form of interest rates.

Making a profit on the sale of an investment property can have you breaking out the champagne. But the taxman also wants his share. Here’s the hacks you need to know to soften the blow.

The ABCs of capital gains tax and hacks to soften the blow

Making a profit on the sale of an investment property can have you breaking out the champagne. But the taxman also wants his share. Here’s the hacks you need to know to soften the blow.

Changes to how the government applies indexation to HECS and HELP debts may be about to change, but how the banks view the annual burden doesn’t, especially if you’re saving for your first home.

How student debt affects your odds of buying your first home

Q+A: Changes to how the government applies indexation to HECS and HELP debts may be about to change, but how the banks view the annual burden doesn’t, especially if you’re saving for your first home.

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When your employer is required to put money into your fund can wreak havoc for those trying to take advantage of personal contribution tax breaks. Here’s what the law says and how you can work around it

The super annoying rule leaving workers short changed

Q+A: When your employer is required to put money into your fund can wreak havoc for those trying to take advantage of personal contribution tax breaks. Here’s what the law says and how you can work around it.

Last month’s surprise inflation numbers may have been bad news for those with a home loan but risk averse investors are popping the champagne corks as deposit rates continue to remain elevated.

Want a great deposit rate? You won’t find it with the Big 4

Last month’s surprise inflation numbers may have been bad news for those with a home loan but risk averse investors are popping the champagne corks as deposit rates continue to remain elevated.

eath benefit payments are often enhanced by included life insurance cover. A modest superannuation balance of only a few thousand dollars can be boosted by hundreds of thousands of dollars when insurance benefits are included.

The shocking faults found in ASIC super death benefit probe

A big rise in complaints about superannuation death benefit delays— first highlighted by Your Money late last year— has prompted a major investigation by the financial services watchdog.

While the benefits of the First Home Super Saver Scheme can be significant, the take-up rate is surprisingly poor. There’s a few reasons behind that, including simple errors that make you ineligible.

Home deposit blunder could lock up super savings for decades

While the benefits of the First Home Super Saver Scheme can be significant, the take-up rate is surprisingly poor.There’s a few reasons behind that, including simple errors that make you ineligible.

Changes to the First Home Super Saver Scheme come into force soon and make the system more flexible for those desperate to get a foot on the housing ladder. Here’s what’s new.

Rule changes let couples save $100k for their first home

Changes to the First Home Super Saver Scheme come into force soon and make the system more flexible for those desperate to get a foot on the housing ladder. Here’s what’s new ...

What seems like a simple arrangement can become quite complicated.

How collecting rent hurts your Centrelink age pension

Having spare space you can rent out may seem like a good idea to bring in a little extra money. But Centrelink is always watching, and here’s how it will assess how much of the age pension you could lose.

There’s a lot to consider if you’re thinking of switching superannuation funds. Comparing like-for-like can be a challenge, and you’ll also need to consider extra fees.

Weigh up extra fees when thinking of switching super funds

There’s a lot to consider if you’re thinking of switching superannuation funds. Comparing like-for-like can be a challenge, and you’ll also need to consider extra fees.

Cashed-up seniors are at risk of losing coveted CSHC

A probable rise in Centrelink’s deeming rates could see well-off seniors with hefty super balances lose access to the coveted Commonwealth Seniors Health Card. But there's a hack to make sure you still qualify.

A visit to afternoon TV reveals the ‘million-dollar retirement myth’ is still alive. The so-called experts fail to include a few key facts. Here’s exactly how much you’ll need in super for a decent retirement.

$1m for decent retirement? Crap! You can do it on MUCH less

A visit to afternoon TV reveals the ‘million-dollar retirement myth’ is still alive. The so-called experts fail to include a few key facts. Here’s exactly how much you’ll need in super for a decent retirement.

Using part of an inheritance to clear the mortgage can free up a lot of spare cash. Do you now need financial advice? What can you do with any funds left over and all that extra money to secure your future?

Our young family has a spare $100K. What can we do with it?

Using part of an inheritance to clear the mortgage can free up a lot of spare cash. Do you now need financial advice? What can you do with any funds left over and all that extra dosh to secure your future?

The super co-contribution payment could go a long way to meeting the cost of life insurance purchased through super.

How young families could get next-to-free life insurance

Savvy young couples about to start a family may be able to make use of the superannuation co-contribution system to ensure adequate protection is in place for their expanding family.

The ATO has confirmed the 2024 superannuation thresholds will rise from July 1. Here’s everything you need to know and how to play the changes.

Super rules change on July 1. Here’s what you need to know

The ATO has confirmed the 2024 superannuation thresholds will rise in line with predictions made in Your Money more than a month ago.Here’s everything you need to know and how to play the changes.