Intelligent Financial Outcomes 
The Reserve Bank of Australia (RBA) has increased interest rates by 0.25 percentage points. The new cash rate target is 4.35 percent, up from 4.1 percent. Interest rates have now returned to the level they were in February 2025 before … Read more
From 1 July 2026, super contributions are getting a refresh. Payday Super means your employer will pay your super at the same time they process your pay, rather than relying on the current minimum rule of quarterly payments. While some … Read more
In recent years, market volatility has once again tested the nerves of investors. From the post COVID recovery to ongoing geopolitical tensions, persistent inflation and rising interest rates, many are questioning how best to position their investments for the future. … Read more
Interest rates are rising and the Reserve Bank of Australia (RBA) has hinted that they could stay elevated for longer than expected. While people who live off their investments, including self funded retirees welcome the rise, homebuyers must think about … Read more
There are always two ways for individuals to hold cash, emergency fund cash and investment cash. This needs to be clarified before discussing any investment mix. Emergency cash (not in your portfolio) Life has a habit of delivering the unexpected, … Read more
Looking for ways to manage investment risk while still aiming for long term returns? While valuations in many investment asset types have been affected by market volatility this year, there are a range of approaches investors may consider to adjust … Read more
Market developments during April 2026 included: Key Points Global equities rebounded strongly, looking through the geopolitical and oil price pressures. Inflationary pressures continue to cause markets to reassess the monetary policy paths of many central banks. Australian equities lagged global … Read more
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 … Read more
Retirement isn’t a single moment. It’s a long, wonderful chapter – and the choices you make today help determine how confidently you’ll step into it. Whether you’re 10 years or more away, or rounding the final bend into retirement, your … Read more
Our phones contain so much personal information that it’s important to keep them secure. Follow these seven cybersecurity tips to help secure your mobile device from hackers and online fraud. Most of us are used to protecting our home computers … Read more