The Magic Multiplier: How Compounding Builds Wealth for Every Australian
Compounding is the single most powerful force in wealth creation turning small, regular savings into significant long-term growth. Growth assets like shares and property benefit most from compounding, especially when investors stay disciplined through market ups and downs. Many Australians miss out due to late starts, overly conservative choices, or emotional trading. The key is to start early, invest steadily, and stay the course to let compounding do its work.
Navigating Resilient Retirement: Beyond the 4% Rule for Australian Investors
The traditional “4% rule” for retirement spending is under pressure in today’s economic climate of longer lifespans, inflation, and rising healthcare costs. New research shows more dynamic, diversified approaches can support higher, more flexible withdrawal rates. For Australians, strategies like blending super, Age Pension, annuities, and property income can build resilience. Ultimately, personalised advice and adaptable spending plans are essential to secure long-term retirement confidence.
Resetting the Dream: Australia’s Generational Housing Divide and What Comes Next
Home ownership, once central to the Australian dream, is increasingly out of reach for younger generations due to decades of policy, rising prices, and stagnant wages. Millennials and Gen Z face growing inequality, with many relying on parental support just to enter the market. Policy reform is needed, but cultural shifts may also require rethinking success beyond home ownership. A fairer housing system, and broader definition of security, will shape Australia’s future.
Q & A
- Income protection waiting periods: The waiting period is how long you must wait after illness or injury before payments begin—shorter periods mean higher premiums, while longer periods lower costs but require more savings to cover the gap.
- What happens to super when you pass away: Super is paid as a death benefit to beneficiaries, not automatically through your estate. Binding nominations ensure certainty, while tax outcomes vary depending on whether benefits go to dependants or non-dependants.
- Early access to super: In limited cases, such as severe financial hardship or compassionate grounds, you may be able to access super early. This reduces retirement savings, so it’s important to consider alternatives and seek advice first.
