Personal finance

Personal Finance | Latest News & Analysis | The Australian Financial Review | AFR

Larger regional cities such as Ballarat are likely to bounce back after a period of recalibration.

Regional property wake-up call: tips for buyers and sellers

As regional areas experience a hard landing, there are opportunities for those wanting to get in and strategies for others who need to cut their losses.

  • Richard Wakelin

Anne-Marie Tassoni of Cameron Harrison highlights the importance of comprehensive documentation regarding family trusts.

ATO turns screws on bogus payments by family trusts

Members of more than 928,000 trusts with assets totalling nearly $2.2 trillion will come under closer scrutiny.

  • Duncan Hughes

Ten ways to reduce the cost of rising mortgage rates

Lenders are falling over themselves to offer lower rates and cash incentives. But borrowers need to make sure the numbers stack up in their favour.

  • Updated
  • Duncan Hughes

Equity investors are waking up to the reality that central banks will need to inflict some pain to get inflation under control.

Why next year’s global recession will be severe

A global recession next year will pose challenges for many asset classes including shares and illiquid investments that have not yet adjusted to much higher risk-free rates.

  • Christopher Joye

You can leave the country, but be careful what it does to your super.

Heading overseas? Check these three things to avoid extra SMSF tax

If you’re leaving Australia, check that your self-managed super fund meets these three tests or face 45 per cent taxes.

  • Colin Lewis

Look out for these strata red flags.

Victorian values and a state of strata decay

Apartment prices are falling in Melbourne and rents are rising, but recent revelations suggest investing there is far from a no-brainer.

  • Jimmy Thomson

Everyone wants their super to go further.

How to manage your tax in super pensions

How and when you move your superannuation from accumulation to pension phase will affect tax treatment and estate planning considerations.

  • John Wasiliev

AFR

How mortgage borrowers can more than double their cash deposit returns

An offset account is a tax-free savings strategy that can reduce mortgage term and repayments.

  • Duncan Hughes

Is setting up an SMSF really the best idea for you?

If you are considering setting up a SMSF, there are certain investment ‘opportunities’ that you should carefully research before proceeding down that path.

  • Ben Smythe

Treasurer Dr Jim Chalmers.

What rising bond yields mean for Australia – and the world

Australia has emerging costs from an ageing population, a forecast NDIS blowout, and childcare initiatives. It’s the cost of servicing government debt, though, that deserves new focus.

  • John Abernethy

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How to tell when there are cracks in your strategy

The market downturn of 2022 will have many asking themselves if their strategy is up to scratch. But switching strategies isn’t always the solution.

  • Jeremy Chunn

Here’s what to know if you’re struggling to keep up with your mortgage.

Four tips for dealing with higher interest rates

Interest rates have climbed from 0.10 per cent to 2.85 per cent, leaving some borrowers strapped for cash. Here are four things they can do.

  • Michael Hutton

Don’t expect anyone to ring a bell at the bottom

At times like this, investors might look to experts for market insights. The reality is, however, that none of those experts is completely reliable.

  • James Weir

Economis student Grace Lagan is concerned about young Australians’ poor financial literacy.

Most Australians can’t answer all of these five basic money questions

Australians’ financial literacy went backwards between 2016 and 2020, but the falls were largest among young Australians and women.

  • Lucy Dean

Hood helps Australians move house.

No evidence of a housing market bottom

The pain is set to continue for many more months to come unless the Reserve Bank swings 180 degrees and starts cutting interest rates.

  • Christopher Joye

You can leave the country, but be careful what it does to your super.

Heading overseas? Check these three things to avoid extra SMSF tax

If you’re leaving Australia, check that your self-managed super fund meets these three tests or face 45 per cent taxes.

  • Colin Lewis

Source: https://www.afr.com/wealth/personal-finance

Donovan Larsen

Donovan is a columnist and associate editor at the Dark News. He has written on everything from the politics to diversity issues in the workplace.

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