SMSF Rule Changes 2026, What’s Actually Changed and What It Means for Your Retirement
Three big SMSF rule changes hit Australians in 2026, including the residential property borrowing ban. Here’s what changed, who’s affected, and what to do.
Category: Newsletter
Financial Planning
Insights & Advice
Expert insights, practical strategies, and market updates to help you make informed financial decisions for your future.
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CFD Trading in Australia: Why 95% of Traders Lose (And What ASIC’s Record $300 Million Penalty Reveals)
ASIC just secured a record $300 million Federal Court penalty over CFD trading misconduct. Here’s what CFDs actually are, why 95 to 99 per cent of retail traders lose money, and how to protect yourself and your family.
Are Australian Property Prices Really Falling? What the Headlines Get Wrong in 2026
Are Australian property prices falling in 2026? The short answer is no, in most of the country. Here’s what the actual data shows, why the doom-and-gloom headlines are misleading, and what the slowdown means if you own property near retirement.
Compounding Explained Properly
A $30,000 super contribution that beat an $81,000 one. The Rule of 72. The Aussie super advantage. This is compounding explained properly, with the maths most Australians have never sat with long enough to feel.
Negative Gearing and CGT Changes: The Calm Version
The budget’s property tax changes are now law, and they’re calmer than the memes suggest. Properties owned before 12 May 2026 are grandfathered, the 30% CGT rate is a minimum not a flat tax, and Phil’s maths shows what property now needs to earn its place.
Best Performing Super Fund Australia 2026: What the Rankings Don’t Tell You
The best performing super fund isn’t always the right one for you. A Melbourne adviser explains the 2026 rankings and the trap catching late-50s clients.
Best Savings Interest Rates in Australia (And Where Cash Fits for Retirees)
Top savings rates are now 5.90% intro and 5.35% ongoing. Here’s what’s on offer, what the bonus traps are, and how cash fits in a retirement portfolio.
Most Aussies Don’t Understand Their Super Insurance (And It’s Costing Them)
The average default super life insurance payout is $142K. Adviser-arranged cover pays an average $547K. Here’s what your super insurance actually does (and doesn’t).
SMSFs Explained: Why More Australians Are Switching to Self-Managed Super
SMSFs now hold over $1 trillion across 663,000+ funds. Here’s why millennials and Gen X are driving the boom, and the traps to avoid before you set one up.
What Are the Biggest Regrets in Retirement?
What Are the Biggest Regrets in Retirement? Understand common retirement regrets around money, health, and lifestyle, and how to plan a better retirement in Australia.
Can I retire early in Australia with low super?Master Your Retirement Strategy
Yes, you can retire early in Australia with low superhlab services lifestyle adjustments, and possibly a phased approach to retirement.
Is Superannuation the Same as Pension? Key Differences Explained
Is superannuation the same as pension? Learn the key differences between super, account-based pensions, and the government Age Pension in Australia.
Best Performing Super Fund Australia 2026: What the Rankings Don’t Tell You
The best performing super fund isn’t always the right one for you. A Melbourne adviser explains the 2026 rankings and the trap catching late-50s clients.
Pension Access Age Changes in Australia: What Has Changed, What Hasn’t, and What Could Be Next
A lot of confusion in retirement planning comes from conflating these two ages. They are separate rules, set by different parts of government, and they don’t move together.
The Cost of Being Single in Australia: What Solo Aussies Pay (And Why It Matters for Retirement)
Being single in Australia costs more than most realise. We break down the singles tax, the retirement gap, and what solo Aussies can do about it.
Best Savings Interest Rates in Australia (And Where Cash Fits for Retirees)
Top savings rates are now 5.90% intro and 5.35% ongoing. Here’s what’s on offer, what the bonus traps are, and how cash fits in a retirement portfolio.
Most Aussies Don’t Understand Their Super Insurance (And It’s Costing Them)
The average default super life insurance payout is $142K. Adviser-arranged cover pays an average $547K. Here’s what your super insurance actually does (and doesn’t).
SMSFs Explained: Why More Australians Are Switching to Self-Managed Super
SMSFs now hold over $1 trillion across 663,000+ funds. Here’s why millennials and Gen X are driving the boom, and the traps to avoid before you set one up.
Phil & Scott tried to write a book with code (and compare supers like normal humans) August 2025 edition!
At Wealthlab, we tested what happens when finance meets code drafting a practical money book through live iteration, just like developers push updates. The result? Smarter workflows, faster insights, and a reminder that comparing supers still needs real analysis, not free tools.
From Bad Headshots to Good Advice: Our 10+ Year Throwback
This month’s newsletter is a trip down memory lane. We’ve dug out some old photos and reflecting on what we’ve picked up along the way.
War, Debt & Quiet ESGs: What July Means for Your Money
Whether you snapped up something tax-deductible or just quietly let the chaos pass, consider this your cue to exhale.Now that the dust has settled, here’s your July update with things that actually may make a difference to your financial future — starting with WAR
Super Funds, Rate Cuts & What May Meant for Your Money
Not to alarm you, but we just lived through one of the most chaotic pre-election Aprils in recent memory — and most Australians barely noticed.
Politics, Portfolios, and Practical Tips: Your April Recap
Not to alarm you, but we just lived through one of the most chaotic pre-election Aprils in recent memory — and most Australians barely noticed.
ASX Dips, Trade Wars Heat Up & Why Aussie Investors Shouldn’t Panic
You know we like to stay ahead of trends—in markets
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