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Treasurer Jim Chalmers, Prime Minister Anthony Albanese and Minister for Housing Clare O’Neil on Monday in Brisbane.

Your MoneyCommentsPremiumWhy negative gearing changes could push up house prices

A millennial who owns 18 residential investment properties predicts Labor’s negative gearing changes, restricting tax breaks to brand new homes on greenfield land, will only push up prices in affordable areas.

Stephen Johnson

Irrespective of your personal income tax rate, a super fund deducts at least the 15 per cent contributions tax when the payment is a concessional contribution.

Your MoneyCommentsPremiumWhy you can skip super top-ups if you earn this much

New income tax rates that take effect in six weeks mean it’s time for many superannuation members to revisit their voluntary contribution levels, or risk wasting up to $3400 in unnecessary tax. 

Nick Bruining

If you’re involved in a family trust, special tax concessions announced by Treasurer Jim Chalmers last week mean now might be the time to rearrange your affairs. 

Your MoneyCommentsPremiumHow Chalmers’ Budget changes affect your family trust

If you’re involved in a family trust, special tax concessions announced by Treasurer Jim Chalmers last week mean now might be the time to rearrange your affairs. 

Nick Bruining

For a long time, the focus was on borrowing capacity. How much could we get? How far could we stretch? Now, it’s a different question entirely: What actually feels manageable? What allows us to live, not just repay?

Your MoneyCommentsPremiumWhy Aussies are waking up worried about money

Recently I’ve noticed a pattern — not in spreadsheets or rate charts, but in the quiet, honest conversations taking place not only all over Perth, but in homes across Australia. It’s the 2am wake-up.

Chris Foster-Ramsay

After last week’s Budget, I am now weighing up my options on whether I should sell an East Perth investment unit. Can I park the proceeds in super to dodge the tax blow?

Nick Bruining Q+ACommentsPremiumShould I sell my rental unit now to dodge CGT changes?

Q+A: After last week’s Budget, I am now weighing up my options on whether I should sell an East Perth investment unit. Can I park the proceeds in super to dodge the tax blow?

Nick Bruining

ChatGPT tax tips could cost Australians at tax time, the ATO warns.

Your MoneyCommentsPremiumWhy ChatGPT can be a bad tax adviser

Australians have long been warned not to take tax advice from a mate at a barbecue. Now the Australian Taxation Office says to not rely on ChatGPT at tax time.

Ryan Johnson

West Australians are thinking twice about bigger-ticket items like air travel.

Your MoneyCommentsPremiumSky-high airfares put West Aussies off travel in April

Sky-high airfares triggered by the Iran war have put West Australians off travel in April, fresh spending data shows, with consumers splurging on dining out and at department stores instead.

Cheyanne Enciso

A family office is what the very rich build when preserving the money becomes as complicated as making it.

Your MoneyCommentsPremiumAre you family office rich? Here’s how they work ...

KPMG estimates here are around 2000 family offices in Australia, up 150 per cent over the decade. What are they and why are the ultra-wealthy pouring their money into these private wealth structures?

Ryan Johnson

Business groups have warned the Federal Budget risks adding another layer of pressure to firms already bracing for higher wage costs, after the peak union body lifted its pay claim for millions of award workers.

BusinessCommentsPremiumBudget and wage woes weigh heavy on businesses

Business groups have warned the Federal Budget risks adding another layer of pressure to firms already bracing for higher wage costs.

Ryan Johnson

The Australian dollar is being tipped to continue its bull run after hitting a four-year high against the US dollar, with analysts arguing the currency has one of the strongest relative outlooks among major peers.

FinanceCommentsPremiumWhy the Aussie dollar could beat its recent four-year high

The Australian dollar is tipped to climb even higher as the USD and weaker Asian peers come under pressure.

Ryan Johnson

While the policy changes may appear relatively straightforward in isolation, the broader behavioural and economic implications are far less certain and will require careful consideration for individuals and businesses alike.

opinion
opinion
Asset allocationCommentsPremium
opinion
Chalmers just changed middle Australia’s investment equation

The risk is that taxation policy begins influencing investment decisions in ways that may not necessarily produce the best long-term economic outcomes for investors or for capital markets more broadly.

Robert Zammit

Ardross-based Helen Baines is cutting grocery trips and shopping more online. She’s pictured with her children Madison, Henry, Kayden and Wyatt.

The West Australian exclusive
The West Australian exclusive
RetailCommentsPremium
The West Australian exclusive
How Aussie shoppers are stretching to make ends meet

Australians buckling under the weight of higher cost of living are increasingly looking for ways to stretch household budgets — including tapping into free online deliveries and cutting grocery trips.

Cheyanne Enciso

Ronnie Fellows-Smith is a fourth year Curtin Bachelor of Engineering Honours student.

BusinessPremium‘System has to change’: Young investors on Budget overhaul

The capital gains tax overhaul designed to make housing fairer could also make it more expensive for young Australians to build wealth outside property. What do young investors think?

Ryan Johnson

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BREAKINGCommentsPremiumPay rises for millions of Australians wiped out by inflation

Australian workers face the harsh reality that their pay increases mean nothing as inflation officially leaves them poorer.

Cameron Micallef

The changes to negative gearing may also have unintended consequences.

Federal BudgetCommentsPremiumHere’s what happens next to Perth’s housing market

While the Federal Government will be keen to push the line that an additional 75,000 homeowners will result from Tuesday night’s announced changes, it’s the unintended consequences we need to think about.

Nick Bruining

Confused about the tax changes revealed in Tuesday night’s Federal Budget? Finance expert Nick Bruining explains everything you need to know about how investment properties will be affected.

Federal BudgetCommentsPremiumGot a rental? How Chalmers’ changes affect you and CGT

Confused about the tax changes revealed in Tuesday night’s Federal Budget? Finance expert Nick Bruining explains everything you need to know about how investment properties will be affected.

Nick Bruining

Just 6 per cent of survey respondents said they were ‘very confident’ tonight;s Budget will improve their finances.

Your MoneyCommentsPremiumThe one thing Aussies want the most from tonight’s Budget

Capital gains tax and negative gearing have dominated the pre-Budget headlines. But a new survey released just hours before Treasurer Jim Chalmers stands up in Parliament has revealed what voters really want.

Daniel Newell

Your MoneyVideoCommentsPremiumWhat we know about CGT and negative gearing shake-up

Changes to negative gearing, capital gains tax and family trusts are expected to be unveiled in Tuesday's budget.

Jacob Shteyman

About 7.7 million Australians hold on-exchange investments, making the proposed changes far more than a niche concern.

Your MoneyCommentsPremiumHow tonight’s Budget tax changes will hit your shares

Australian share investors could face one of the most impactful federal budgets in years, with looming changes to capital gains tax expected to reshape portfolios in unexpected ways. 

Ryan Johnson

Key indicators for the current state of Perth’s housing market have started to shift in the wrong direction over the past few weeks. And these are the sellers and buyers most likely to feel the sting first.

The West Australian exclusive
The West Australian exclusive
Your MoneyCommentsPremium
The West Australian exclusive
Signs Perth’s hot house prices about to feel winter’s chill

Key indicators for the current state of Perth’s housing market have started to shift in the wrong direction over the past few weeks. And these are the sellers and buyers most likely to feel the sting first.

Nick Bruining

Older small business operators hoping to make voluntary concessional contributions to superannuation have been told to make sure they satisfy employment rules before sending any money to their fund.

Your MoneyCommentsPremiumA super work hurdle for older small business owners

Older small business operators hoping to make voluntary concessional contributions to superannuation have been told to make sure they satisfy employment rules before sending any money to their fund.

Nick Bruining

There are 2.2 million property investors in Australia holding their collective breath right now ahead of Jim Chalmers’ Budget. And there’s one small but painful thing they may not have considered.

DEBTMANCommentsPremiumBought a rental in the past decade? It’s about to end badly

DEBTMAN: There are 2.2 million property investors in Australia holding their collective breath right now ahead of Jim Chalmers’ Budget. And there’s one small but painful thing they may not have considered.

Bruce Brammall

Navigating the complexities of the superannuation system to successfully make a plan for your retirement is no mean feat. So when you get it right, it makes the pay-off so much sweeter.

Nick Bruining Q+ACommentsPremiumCongrats! You’ve nailed the ideal grand retirement plan

Q+A: Navigating the complexities of the superannuation system to successfully make a plan for your retirement is no mean feat. So when you get it right, it makes the pay-off so much sweeter.

Nick Bruining

David Koch reveals his practical guide to coping with another rate rise.

Personal FinanceCommentsPremiumKochie’s practical guide to coping with another rate rise

For Australians already struggling with mortgage repayments and tenants drowning in rent rises, the interest rate hike has left many with their heads in their hands. Here’s my guide for you.

David Koch