A ‘money mindset’ is a way of thinking about personal finance. Your money mindset can change over time, and it may help explain your spending and savings habits.

If you're employed, your employer should be paying a percentage of your earnings into your super account.

When you sell your shares in companies or units in managed funds, most of the records you need will be given to you by the company, the fund manager or your stockbroker.

Retirement is filled with opportunities and choices. There’s the time to travel more, work on long-delayed personal projects or volunteer your help to worthwhile causes.

Bonds can play an important role in investment portfolios, but what exactly are they, what are their benefits, and how do you invest in them?

A ‘money mindset’ is a way of thinking about personal finance. Your money mindset can change over time, and it may help explain your spending and savings habits. Understanding this can help you build habits and strategies to better manage your money.

A third of Australians retire without a plan. Here's why you should have one.

Money you transfer from a foreign super fund to a complying Australian super fund may:

• count towards you super contributions caps, and be subject to additional tax if you exceed the caps

• be subject to Australian income tax

• be subject to rules and tax in the foreign country.

Australian financial markets are continuing to evolve, and that’s why more and more Australians are finally spreading their investment wings and leaving home.

It can be surprising just how much you need to spend before your baby even arrives. There are services and classes to book and pay for, as well as obstetrician costs to consider.

A 'transition to retirement' (TTR) strategy lets you access some of your super and keep working.

Setting this up can be complicated, so contact your super fund or financial adviser for advice.

If you stay with the default super fund provided by your employer there’s a chance you’ll miss out on thousands in super. 

It makes sense to take a close look at your current super fund and consider whether your money could be working harder elsewhere. If you still have many years to go until you retire, there could be a way to add thousands of dollars to your final balance.

What is often a major financial asset, is also one that many people believe should be either kept in the family or its value preserved for future generations.

Whether or not the home has to be sold to pay for aged care depends on a number of factors, including who is living in it and what other financial resources or options are available to cover the potential cost of care.

The data shows that investing small amounts consistently over time and riding out the ups and downs of the market by holding onto your investments for the long term, can produce a healthy return.

Over the past two decades, the top 500 US companies averaged a 10 per cent annual return and Australia’s S&P ASX All Ordinaries Index recorded an average annual return of 9.2 per cent.

While the Federal Government’s recent announcement about providing some relief for those with student debt is anticipated to help those with student loans, debt can hold you back financially, so let’s look at some ways to free yourself if debt is becoming a burden.

Retiring without a mortgage has a large positive impact on retirement confidence.

For decades the “Great Australian Dream” has been the general desire by most Australians just to own a home.

But that dream has morphed over time. These days it’s not just about owning a home but having the mortgage paid off either before retirement or soon after.

You can dispose of your shares in the following ways:

• selling them

• giving them away (gifting shares)

• transferring them to a spouse as the result of a breakdown in your marriage or relationship

• through share buy-backs

• through mergers, takeovers and demergers

• because the company goes into liquidation.

It's important you keep records of acquiring and disposing of shares.

Many Australians expect an inheritance, but their parents may have a different view. 

Around one in two Australians have received or expect to inherit money or property, either from their parents or others.

That’s one of the key findings from Vanguard’s 2024 How Australia Retires research, but it shouldn’t come as a great surprise.