A Smarter Way to Respond to Super Volatility
When markets get bumpy or household budgets feel tighter, it’s common for people to start questioning their super. If your balance has dipped or returns haven’t met expectations, you might wonder whether continuing to contribute is worth it — or whether super is really doing its job. Before making any big decisions, it helps to […]
Financial Planning for Digital Nomads and Remote Workers
Conventional employees can usually plan for their financial future knowing that certain fundamental parameters will not change: their regular income, their Australian tax residency, their banking arrangements, their superannuation contributions and their insurance needs. But for digital nomads and remote workers, the picture is completely different. Their situation can impact how they pay tax, contribute […]
Are Offset Accounts Always the Best Option for Home Loans?
Mortgage offset accounts have steadily increased in popularity since they were first introduced in Australia in the late 1980s. A recent study by the University of Sydney found that around 40% of Australian mortgage holders use offset accounts. Although they are obviously financially beneficial in many cases, their widespread acceptance does not mean that they […]
How Much Cash Should You Hold vs Invest? What’s the Right Mix?
There are generally two ways to hold cash — emergency funds and investment cash. It’s important to distinguish between the two before considering your overall investment mix. Emergency cash (not part of your investment portfolio) Life has a habit of delivering the unexpected, so it’s wise to keep 3–6 months of living expenses in readily […]
Quarterly Economic Update: October – December 2025
The December quarter has been defined by unexpected twists. Just as we thought inflation was under control, it kicked back up. Just as rate cuts seemed certain for 2026, we’re now facing the prospect of rate rises. And just as geopolitical tensions appeared to be settling, the US launched a stunning military operation in Venezuela. […]
How to Inflation-Proof Your Household Budget in 2026
There’s no escaping the fact that retail prices, utility bills and interest rates remain persistently high. If you’ve managed so far but feel stretched—or simply want to stay ahead and grow your savings—here are some practical strategies to adopt. Lock down your major fixed costs first Housing Mortgage payments or rent are typically the largest […]
Your 10-Step Personal Financial Audit Checklist
The end of the year is an ideal time to pause and review your finances, but a personal financial audit can be useful at any stage. Just follow this 10-step checklist to guide you through the exercise. 1. Collect last year’s income and expenses information Gather your income data for your salary (from your PAYG […]
How to Balance Your Superannuation Investment Settings
It can be tempting to treat superannuation as a ‘set and forget’ investment. In many cases, annual statements show steady growth, making it seem like everything is working as it should. However, depending on your age and financial goals, your superannuation may benefit from a more appropriate investment mix. Put simply, you need the right […]
Help Your Kids Buy a Home Without Risking Retirement
It’s understandable, in today’s tough housing market, that you want to give your children a leg up onto the first rung of the homeowning ladder. But before you do, stop to consider how it’s going to affect your own financial situation in your later years. That doesn’t make you selfish — just prudent. There are […]
The Safer Way to Tap and Pay
K Point Wealth explains whether digital wallets are safer than physical credit cards. Contactless payments are now the norm in Australia, with phones and smartwatches often replacing traditional credit cards. But are Apple Pay, Google Pay and Samsung Pay actually safer? Both options are convenient and protected under Australian consumer law—but digital wallets offer an […]