From rising interest rates to inflation and complex superannuation rules, the stakes are higher than ever. Australians are falling into familiar financial traps — many of which can be avoided.

Australian super funds are quietly chalking up one of their strongest years on record. According to SuperRatings, the median balanced fund is on track to return a remarkable 9.6% for FY24.

The start of the new financial year on 1 July 2025 is set to bring a raft of changes for millions of Australians. Whether you’re a worker, retiree, parent or business owner, here’s what to watch — and how it could affect your wallet.

From July 1, 2025, millions of Australians will benefit from long-awaited tax relief and superannuation updates designed to boost take-home income and ease cost-of-living pressures. Whether you're a wage earner, investor or thinking about your retirement strategy, it’s worth understanding how these changes could impact your bottom line.

Superannuation will play a critical role in the financial future of all Australians. Simply contributing to super isn’t enough. To make the most of your fund — particularly if you manage your own Self-Managed Super Fund (SMSF) — you need to be strategic, tax-smart and forward-looking. The good news? There are proven ways to optimise your super at every life stage.

As the end of financial year approaches, savvy Australians are looking for ways to maximise their retirement wealth — and avoid giving more than necessary to the tax office. One little-known superannuation rule could allow eligible Aussies to tip in an extra $25,500 before June 30 — even if they’ve already hit this year’s $27,500 concessional cap. Known as the “carry forward” rule, this strategy can lead to thousands in tax savings and faster retirement growth.

The government is considering further changes to the superannuation system, building on recently legislated tax on super balances over $3 million. This signals a clear shift in how Canberra views super: not just as a vehicle for retirement income, but as a source of revenue and redistribution. For Self Managed Super Fund trustees and high-balance investors, the writing is on the wall — and strategic planning is more important than ever.

With over 610,000 Self Managed Super Funds (SMSFs) now active in Australia, more trustees are asking a vital question: how does my fund compare to others like it? Benchmarking is no longer just for large institutions—it’s increasingly essential for SMSF trustees seeking better outcomes in retirement.

A Self Managed Super Fund (SMSF) opens the door to a wide range of investment options not typically available through retail or industry superannuation funds. With control comes opportunity—but also responsibility. Understanding what you can invest in, and under what rules, is critical to keeping your SMSF compliant and aligned with your retirement goals.

As the financial year draws to a close, trustees of Self Managed Super Funds (SMSFs) must shift their focus to compliance, reporting, and strategic planning. Whether your SMSF is focused on shares, cash, or direct property, the 30 June deadline is non-negotiable—and so are your obligations.

In a widely anticipated move, the Reserve Bank of Australia (RBA) has today cut the official cash rate to 3.85% — its second reduction in 2025. The rate cut comes amid signs of economic softness and reflects growing concern over household strain and weak business investment. The rate cut carries immediate consequences for SMSF investors, especially those with property or cash-heavy portfolios.

With headlines about super tax changes, property market shifts and economic uncertainty, it’s no surprise that some SMSF investors are feeling the pressure. But amid the noise, it’s critical to separate emotion from strategy. According to financial advisers and industry experts, panic selling Self Managed Super Fund assets in response to market or legislative change is not only unnecessary — it can do more harm than good.

With global volatility resurfacing on the back of shifting geopolitical tensions, a potential second Trump presidency, and persistent inflationary pressures, it’s never been more important to actively protect and optimise your superannuation. Preserving wealth – and compounding it – requires active decision-making, risk management, and portfolio discipline.

LRBAs—commonly used by SMSFs to invest in residential property—could be among the first casualties of the Albanese government’s renewed focus on retirement system reform. At WT Capital, we believe it's critical for investors to understand what’s on the table, what’s likely (or not), and what this could mean for property investment inside super.

As property prices rise and retirement goals shift, more Australians are asking a key question: Can I use my super to buy a property? The answer is yes — if you use a Self-Managed Super Fund (SMSF). This strategy isn't for everyone, but it can offer a powerful way to diversify your superannuation, build long-term wealth, and take greater control of your financial future.

If you’re relying on a retail or industry super fund to grow your retirement wealth, recent data should prompt you to take a closer look. According to Rainmaker Information, over a 15-year period, a staggering 95% of international equities managed funds underperformed their benchmarks.

At WT Capital, we’re often asked whether it’s better to develop property through an SMSF or buy an already established investment property. While both paths can lead to returns, the risk, complexity, and compliance requirements involved in SMSF property development are often underestimated – particularly when compared to the relative simplicity and proven performance of established residential property. We break it down.

From July 1, 2025, significant changes to Australia's superannuation landscape will come into effect, impacting how you save for retirement and manage your wealth. Understanding these updates is crucial for all Australians, particularly those who utilise or are considering a Self-Managed Super Fund (SMSF) as part of their investment strategy.

A significant market downturn just before or as you begin drawing down your superannuation can have long-lasting negative effects. Learn about mitigating risks and planning for the future.

Explores how strategically utilising your super within an SMSF to acquire an investment property can be a robust approach to growing your retirement nest egg, offering potential tax advantages and leverage opportunities.