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    Smart Investor

    This Month

    The RBA now alleges it will hit 2.9 per cent by December 2025.

    The Reserve Bank of Australia’s credibility is shot

    The central bank’s hawkish pivot has no credibility given it is not willing to do the bare minimum and raise interest rates in line with global peers.

    • Christopher Joye
     Jun Bei Liu, Katie Hudson, Chris Haynes and Shawn Lee

    Buy the dip: Twenty-six shares fundies would snap up in another rout

    More wild market swings are predicted in coming months by some experts. We asked fund managers where they see opportunity.

    • Lucy Dean

    Rooms in aged care now cost $800 a week

    Those who can’t afford the full accommodation deposit need to watch out for an 8.35pc sting in the tail.

    • Bina Brown
    Money.

    What to do with your money in market meltdowns

    Investors are jittery after US recession fears triggered a global market rout this week. But sudden downturns are a good time to review your investment plans.

    • Michelle Bowes
    One of the goals of rentvesting is to cash in on the capital gain of the investment property and use it to purchase your dream home.

    The maths justifying rentvesting has changed. Here are the numbers

    It’s a popular strategy for building wealth but how does rentvesting stack up after 13 rate rises?

    • Kelly Kennedy
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    My wife can’t work any more – how do we handle her insurance payout?

    The tax rules on super policy payments are complicated when you’re younger – this is how they work.

    • John Wasiliev

    Help! My parents want to invite 20 of their friends to our wedding

    What to do when mum and dad help out financially but expand the guest list beyond your comfort zone.

    • Penny Wise
    Social media app TikTok

    I watched 100 fintok videos – here are five finfluencers to follow

    Critics say you can’t explain complex issues in 30 seconds, but some young content creators on TikTok do it really well – particularly Australian women.

    • Tim Mackay

    Where you can afford to buy without breaking the 30pc rule

    See how suburb-level affordability across Australia’s three biggest capital cities has changed over the past three decades.

    • Lucy Dean and Les Hewitt
    Young people locked out of housing markets are far more likely to support government intervention.

    Why you’re probably losing $1500 a year and what you can do about it

    With interest rates set to fall in coming months, now is the time to lock in a better rate on your savings.

    • Michelle Bowes
    Japanese households are bringing forward purchases, rather than delaying them.

    Why investors should take notice of Japan’s resurgence

    With its equity market finally breaching highs not seen since 1989, there is growing evidence Japan’s structural reforms are working.

    • Todd Hoare

    Why Gen X needs to think about retirement right now

    A new generation of just over 5 million Australians – born between 1965 and 1980 – is approaching retirement.

    • Michelle Bowes
    Buy and hold investors choose assets in the belief they will appreciate over time.

    There are five types of investor. Which are you?

    The best investing advice is 2500 years old and comes from Greek philosopher Socrates: Know yourself.

    • Andrew Hobbs
    Having more money brings us greater control over our daily lives, which can make us happier.

    Can I access my super if I sell my business and go part-time?

    Even if you have not yet turned 65, you may be eligible to start a transition-to-retirement pension.

    • John Wasiliev
    While it’s technically possible for someone to pay no income tax, it’s highly unlikely.

    Is it possible to pay no income tax?

    It is nonsensical to spend money just to get a tax deduction because you’re still out of pocket.

    • Penny Wise
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    July

    Residency rules are the big risk for self-managed superannuation fund (SMSF) trustees who live overseas for an extended period.

    What to do to with your SMSF if you’re moving overseas

    The Tax Office requires trustees to pass three tests if they wish to maintain tax benefits.

    • Meg Heffron
    It’s very difficult to pick biotech winners.

    Three ASX companies jockeying to be the next biotech winners

    Clarity Pharmaceuticals reports it eliminated prostate cancer in a patient; LTR Pharma wants to sell nasal viagra; and Opthea has clinical trial results soon.

    • Tom Richardson
    John Cachia says using a financial adviser helps him with his “blind spots”.

    ‘I’m a financial adviser but pay somebody else to manage my money’

    Thriving Wealth founder John Cachia had three good reasons to outsource his financial affairs.

    • Michelle Bowes
    Technology stocks helped three super funds to the top of the podium for best returns last financial year.

    Is your super fund among these winners?

    Investment chiefs of the top performers say there are still plenty of opportunities for the artificial intelligence revolution to drive up retirement savings.

    • Hannah Wootton
    Cathy Ding recommends Mastering the Market Cycle.

    Ten books that could help you become a better investor

    We asked money managers, financial advisers and a self-made multimillionaire to nominate the books that taught them the most about creating wealth.

    • Tom Richardson