Moomin Valley

A year ago, I fixed most of my CommSec margin loan at a constant rate for the year ahead. The rate I got was 7.54% compared to a variable r...

The budget speech was tonight, and all of the worst stuff that was leaked in the lead up to the budget appears to be in it. The worst is a m...

I've now done some spreadsheet simulations of education bonds . Assuming that our marginal personal tax rate will be 30%, the goal is to...

I just discovered an investment structure I had never heard of: Education Bonds. These are an Australian investment structure that is simila...

I just updated my tax credits chart to include last year's tax returns and expected tax credits on this year's returns: This doesn...

Two of the partners of ASA who managed the Diversified Property Fund we are invested in have been on podcasts recently. Here are the links f...

The Australian reports on superannuation funds' performance for calendar year 2025. Neither of our employer funds - Unisuper and PSS(AP...

As part of participating in the Aura Group capital raise , I had to get a new wholesale investor certificate. You have to do this every 2 ye...

In Australia, if you are between the ages of 60 and 67 and you are retired, you can make concessional retirement contributions even if you a...

A year ago, I wrote a post about whether you should initially keep your superannuation in accumulation mode when you retire. I thought tha...

  The Reserve Bank of Australia Building Same as last year , I just fixed my margin loan rate for the next financial year. The variable ra...

Interesting article in the AFR on what it takes to be in the top 1% in Australia currently by both income and wealth. You can go to the fre...

The Australian r eports on the best performing super funds for 2024 . They focus on lifecycle, balanced, and sustainable options. I am sure ...

Intramonth, I've blasted through the transfer balance cap. This is the limit of AUD 1.9 million that you can transfer from an Australian...

When you get your notice of assessment from the Australian Taxation Office when they have processed your tax return, they send you statement...

I am thinking of setting up a transition to retirement pension (TTR pension). This allows you to receive regular payouts from your superann...

The accepted wisdom is that as soon as you retire in Australia and are over 60 years old, or as soon as you hit 65 years old even if you are...

As Ramit's Conscious Spending Plan says that we aren't doing enough "guilt-free spending", I booked a trip to Queensland ...

In Australia, if you don't get private health care when you are younger, if you finally do get it you have to pay an extra "loading...

3.2% of households are in both the top income and top net worth deciles. That means their net worth is above $2.258 million and their annual...