Have your retirement goals changed
Retirement isn’t a fixed destination. What you want from retirement today may look very different from what you imagined a few years ago. Life has a habit of changing plans. …
Kalpa Wealth Management
Getting married
Making a commitment to share your life with another person is a significant milestone and there is a lot you can do to manage your money as a couple. Manage …
Estate planning in retirement – What you need to know
Why is estate planning important in retirement? When planning for retirement, many people focus on whether they have enough money to support their lifestyle. But another important question is: What …
Divorce and your super
Separating from a partner is one of the most significant changes many people experience. Alongside the emotional impact, there are often practical decisions to make about housing, finances and future …
Will I pay capital gains tax on my inheritance?
In Australia, special capital gains tax (CGT) rules apply to the transfer of assets from a deceased estate. The most common types of capital gains assets are property, shares and …
What would you do if you could retire tomorrow?
Not in ten years’ time. Not when you’ve finished paying off the mortgage. Tomorrow. For many of us, imagining retirement isn’t the hard part. Whether we’d feel ready for it …
How much super do I need to retire at 60?
Your approach to superannuation is likely to change as you near retirement. And while your own personal circumstances may influence how you approach super in your 60s, there are still …
Fake caller ID – how to know who’s really contacting you
Fake caller ID (also called caller ID spoofing) is a common technique that scammers can use to disguise their real phone number. It’s one of the ways they may try …
What is an investment platform?
You may have heard of investment platforms (or master trusts or wrap accounts, which are two types of investment platforms). An investment platform is an administrative system for your investments. …
The explosion of the Australian credit market
A reshaping of Australia’s financial landscape is underway, driven in large part by the Australian Prudential Regulation Authority’s (APRA) 2024 mandate to phase out bank hybrids by 2032. For decades, …
Investing for income
Share markets are renowned for taking unexpected downturns and while history shows that markets eventually recover, this rebound in value can occasionally take time. Investors concerned about this risk might …
Inflation vs your savings
Inflation is a slow force working against your financial goals. It can quietly erode the purchasing power of your money over time. While it’s tempting to see cash as a …
How to read and understand your super statement
Your super may be one of the biggest assets you’ll ever own – and for most of your working life, it works away in the background to grow your retirement …
Avoiding income tax bracket creep
You earn more money; you pay more tax. So far, so fair. But what’s not so fair happens when your wage rise bumps your earnings into a higher tax bracket, …
$3 million super tax explained
What’s actually changing and who it affects Known to some as the ‘$3 million super tax’, new legislation effective from 1 July 2026 will add an extra 15% tax on …
Tips for staying safe online
Investment Scams Investment opportunities that seem too good to be true, probably are. If you’re approached via unsolicited emails or calls from an investment company or financial adviser, it’s crucial …
Understanding the rules and obligations of an SMSF
While there are benefits in establishing an SMSF, running your own fund is complex and there are many things you have to consider, including: your investment strategy – setting it …
Super fund fees explained
What are super fund fees? Super fund fees are the costs charged to manage your account and the investments your money is held in. They can cover running your account, …
Navigating redundancy – make it work for you
Even though redundancies are often part of business, being told your role has become redundant can still leave you feeling blindsided. If it happens towards the end of your career …
The value of good financial advice
When it comes to financial advice, everyone is different. Some people want to do it all themselves, only needing help at crucial times such as when they’re changing jobs, retiring …