The Money Puzzle

At the top end of the market, Australia's richest investors are deeplyengaged in the AI boom: Some are betting the house on AI, others are fighting to rescue their reputation as AI sweeps through every industry sector.  John Stensholt co-author of 'Tech Bros' the extraordinary story of Atlassian' joins Associate Editor, James Kirby in this episode. In today's show, we cover: Rich pickings in an AI bonanza  How Atlassian's 'tech bros' are pivoting towards AI Wes Maas bets the house on Firmus Why did Gina Rinehart invest heavily in SpaceX? See omnystudio.com/listener for privacy information.

The first principles for buying property never change. Whether it's your first home or your first move as an investor, you need a pathway. But following this year's landmark federal budget, it will pay to know where the government is aiming to 'help' and where market distortions could create new risks. Author and host of the 'Money, Money, Money' podcast, Glen James joins Associate Editor, James Kirby in this episode. In today's show, we cover: The quick-start guide to your first property Looking at the home from an investor perspective Getting to know the home grants system Warning on new property after negative gearing changes  See omnystudio.com/listener for privacy information.

The swing towards 'alternative' investing is much more than a fad, it is now a core dimension of most investment portfolios among wealthy investors. But how does the everyday investor get started in this area? Cathy Ding of the Glory House group joins Associate Editor, James Kirby in this episode. In today's show, we cover: The basics of alternative investing Getting started in private credit and private equity The enduring role of gold Advanced alternatives: Royalty streams and coupon notes  See omnystudio.com/listener for privacy information.

Starting August 10 Self-Managed Super Funds will be banned from borrowing to buy residential property. The Government's late move will catch many investors offside. But the market is responding quickly, new strategies and new products are emerging for active investors. Stuart Wemyss of the Prosolution Private Office joins Associate Editor, James Kirby in this episode. In today’s show, we cover: Yes, you can still use your SMSF in residential property: Here’s how Taking a second look at residential property finance options  Market responds to negative gearing ban with new products The way forward for active property investors  See omnystudio.com/listener for privacy information.

Investors love Exchange Traded Funds; these cheap and low-risk funds, which mirror indices such as the ASX 200, are increasingly popular.But how do you put them together to create a diversified portfolio? Chris Brycki, CEO of the Stockspot group, joins Associate Editor James Kirby in this episode. In today's show, we cover: ETF essentials - what you need to know Who are the main players in the market How to start a 60-40 ETF portfolio Building a deeper understanding of ETF offerings  See omnystudio.com/listener for privacy information.

Asked in today's episode if the house price downturn is 'a blip or a bust?', one of the market's top residential experts says 'Way more than a blip, as for a bust... It's too early to say.' Tim Lawless, research director at Cotality Australia, joins Associate Editor James Kirby in this episode. In today's show we cover: How far will house prices fall Which city looks most vulnerable Can rents keep rising as prices drop The different outlook for homes and apartments  See omnystudio.com/listener for privacy information.

For a generation, Australian investors were advised to hold their investments until they retired. Then once they entered tax-free retirement, they could largely sidestep CGT tax. This central plank of financial advice is finished: Every retiree will now pay a minimum 30 per cent tax and nobody will escape.Dr Adrian Raftery, author of '101 ways to save money on your tax - legally' joins Associate Editor, James Kirby in this episode. In today's show, we cover: The shock change to investor retirement benefits How the CGT new minimum rate is the sleeper issue for long-term investors Examining how tax planning must reflect the wider budget changes My shares have gone to zero - can I claim a tax loss? See omnystudio.com/listener for privacy information.

There is still a property sector where the outlook is improving, where yields are strong and anyone can negatively gear. Hey, you can even use borrowed funds in your Self-Managed Super Fund: It's time to take a second look at the commercial property sector. James Gerrard of www.financialadviser.com.au joins Associate Editor, James Kirby in this episode. In today's show, we cover: The pros and cons of commercial property Why Budget tax changes have lit up the sector The best entry points for the everyday investor Cash flow risk - the outstanding danger for new commercial property investors  See omnystudio.com/listener for privacy information.

We are only beginning to digest the full impact of the Budget changes for residential property.In short, it will never be the same again. That doesn't mean you can't invest successfully, but it does mean you need to know the new rules. Cameron Kusher of Kusher Consulting joins Associate Editor, James Kirby in this episode. In today's show, we cover: The hunt for yield in residential property Forget the interest-only loan How long-term negatively geared investors will thrive Taking a second look at commercial property  See omnystudio.com/listener for privacy information.

Behind all the market jargon and sophisticated language of wealth managers, there is one gold rule for investors: Don't put all your eggs in one basket. It's time to dig deep on diversification and portfolio allocation. Will Hamilton of Hamilton Wealth Partners joins Associate Editor James Kirby in this episode. In today's show, we cover: The essentials of portfolio allocation  Tactical portfolio shifts in 2026 The trouble with bonds Why emerging markets are running hot  See omnystudio.com/listener for privacy information.

The burning question for all investors is whether the global market is running ahead of itself?  Tim Toohey, head of macro strategy for Yarra Capital Management, joins Associate Editor, James Kirby in this episode. In today's show, we cover: The growing gap between GDP and market returns  Could inflation fall from here Emerging value on the ASX The bear case for bank stocks  See omnystudio.com/listener for privacy information.

How would you deal with a global sharemarket crash? Because it’s not a question of if, but when. The AI boom, which underpinned the bumper super returns for many investors over the last financial year, has been extraordinary; But in mid-2026 even the most optimistic forecasters expect the markets to cool in the second half, while the doomsayers will suggest exuberant global markets are surely heading for a fall. Liam Shorte of the Sonas Wealth group joins Associate Editor, James Kirby, in this episode. In today's show, we cover: Having an opportunity fund for the day the bubble bursts Harold Evensky's 'bucket strategy' for the investors who need cash flow Deleting your Dividend Reinvestment Programs for cash Put Options and 'Bear' ETFs    See omnystudio.com/listener for privacy information.

The numbers don't lie: The ASX did 3 per cent over the 12 months to June, and the S&P 500 did 20 per cent. Unless - like a big super fund - you had half your portfolio invested offshore, the chances are you underperformed in FY2026. Marc Jocum, investment strategist at GlobalX ETFs, joins Associate Editor, James Kirby in this episode. In today's show, we cover: * Wall Street smashes the ASX...again Why Big Super funds probably beat your SMSF Which ETFs investors are buying for the year ahead What the hell happened at CSL? See omnystudio.com/listener for privacy information.

Sweeping changes to Capital Gains Tax, Negative Gearing and Self-Managed Super Funds are confronting investors. How will they affect you? Stuart Wemyss from the ProSolution Private Clients group joins associate editor, James Kirby on this episode of the Money Puzzle podcast. In today's special episode, we cover: How will the CGT changes work? Winners and losers in negative gearing  Getting around the SMSF borrowing ban  How a tiny government pension can offer a big tax break See omnystudio.com/listener for privacy information.

The government has made sure that superannuation investors did not entirely escape the investment tax overhaul: Is it still the relative winner as parliament prepares to sign off the Budget? Adviser James Wrigley of First Financial joins associate editor James Kirby in the episode. In today's show, we cover: What you need to know about super post-Budget A way you can still borrow and use your SMSF to buy property Investment bonds get another leg up from the government  New twist for new super tax  See omnystudio.com/listener for privacy information.

Already reeling from a lift in CGT tax and a ban on negative gearing for existing properties, the Government is set to give the property market one last punch with a looming ban on borrowing inside Self Managed Super Funds. Beau Arfi of the Maple Property Group joins Associate Editor James Kirby in this episode. In today's show, we cover: Not finished with you yet - investors prepare for SMSF property clampdown How the SMSF ban creates another privileged set of investors  Moving offshore - Why this property professional is switching attention to NZ Deducting your body corporate fees   See omnystudio.com/listener for privacy information.

Investors are fully stretched trying to keep up with a remarkable period for markets as a record number of Australians make a 50 per cent profit on the SpaceX IPO, while at home the Treasurer announces the first major Budget backflip with a carve out for testamentary discretionary trusts. Hugh Robertson of Centaur Financial Services joins Associate Editor, James Kirby in this episode. In today's show, we cover: How the SpaceX bonanza changes Australian share investment forever CGT changes: Can the system handle the changeover?  Trust backflip - A sensible solution Will new homes become the hottest thing in property?  See omnystudio.com/listener for privacy information.

With negative gearing soon to be restricted to new buildings, property economics in the Australian market have been turned upside down: Until very recently, the outer suburbs were the last place investors looked for opportunity. But in the months ahead, the outer suburbs look set to become the new 'hot spot' of the wider market. Anissa Cavallo of Eda Property joins Associate Editor James Kirby in this episode. In today's show, we cover: Negative gearing never dies, it just moves to the suburbs Investors still confused over CGT...but it's simple, you will pay more Retirees face a tough choice as forced sellers face a soft market So what constitutes a 'new building' under the Budget changes?  See omnystudio.com/listener for privacy information.

SpaceX lists today (June 12) and will be followed by two more AI mega-IPOs: OpenAI and Anthropic. Collectively valued at more than $US3.5 trillion, every index fund on the planet will be forced to buy them. Stockspot founder Chris Brycki joins The Australian's Wealth Editor Julie-anne Sprague to discuss whether this is the opportunity of a generation or the most expensive bag-hold in history. The mega float moment: What the SpaceX, OpenAI, and Anthropic listings mean for your portfolio ETFs vs. stock picking in a concentrated market The ASX's innovation gap and why Australian investors can't afford a home-market bias The CGT shake-up and what it means for your investments See omnystudio.com/listener for privacy information.

Many Australians move abroad to earn more money - or at least that's the plan - but it doesn't always work out unless you do your homework first. Likewise, Australians returning from overseas can hit tangles with the ATO unless they think the whole project through very thoroughly. Brett Evans, the Dubai-based MD of Atlas Wealth Management, joins Associate Editor - Wealth, James Kirby, in this episode. In today's show, we cover:  How you and your money should move overseas The hidden cost of being an expat The best way to bring money back (including pensions). Is your bank giving you the best deal on international transfers? See omnystudio.com/listener for privacy information.

On average, women retire with 25% less superannuation than men, and one in ten have no super account at all. While you might assume this is purely down to career breaks, evidence shows the disparity starts much earlier - with females under 18 already trailing their male peers. What is really driving this, and what steps can women take to supercharge their savings? Gemma Dale, head of investor behaviour at NAB Trade joins associate editor James Kirby.See omnystudio.com/listener for privacy information.

Do you speak the language of money? If you - or anyone close to you - cannot understand what the investment market is telling them, there can be a high price to pay. Investment commentator and Ecstra Foundation chair, Paul Clitheroe joins Associate Editor, James Kirby in this episode. In today’s show, we cover: Financial literacy, why it’s crucial and why Australia is struggling to keep up ‘Swim between the flags’ the simple success formula for managing money  Why ‘financial capability’ is the way forward for investors  A road map for financial literacy success   See omnystudio.com/listener for privacy information.

As a property investor, you may already know the usual tax breaks for properties, like negative gearing, but did you know there are ways to boost your cash flow and tax deductions? 'Mr Taxman' Dr Adrian Raftery author and tax adviser joins Associate Editor, James Kirby in this episode. In today’s show we cover: The benefits of using a PAYG withholding variation Strategies for claiming depreciation What’s deductible and what isn't? Repairs vs Improvements on the holiday rental Please note: this episode was recorded before the recent Federal Budget; check current rules given the slated 2027 changes.See omnystudio.com/listener for privacy information.

The Federal Budget will be a landmark moment for investors if it all goes through parliament as planned. Investors need to know what happened but also... what might happen next. Liam Shorte of Sonas Wealth joins Associate Editor James Kirby, in this episode  In today's show, we cover:  CGT changes and your share portfolio A surprise boost for gold investors The new attraction of the family home Negotiables? Budget measures that may be up for review See omnystudio.com/listener for privacy information.

Property investors are trying to piece together the cumulative effect of the bad news in the Budget.How much will the combined CGT changes and negative gearing clampdown hit returns? For the everyday investor with the average established investment property the expected internal rate of return is set to plunge from 11 per cent to 8.4 per cent. Stuart Wemyss of the ProSolution Private Office group joins Associate Editor, James Kirby in this episode. In today’s show, we cover: How to tackle the tax challenge for property investors  Warning... Get your property revalued How come so few investors negatively gear new properties? New tax games emerge with exemptions from the new rules  See omnystudio.com/listener for privacy information.

The 2026 Budget has introduced the biggest tax changes seen in decades: Every investor in Australia will be affected by the measures. Here's what you need to know...and what to do. Will Hamilton of Hamilton Wealth Partners joins Associate Editor James Kirby in this episode In today's show, we cover: The Capital Gains Tax changes: How negative gearing works from here Goodbye to the good old days for family trusts  Self Managed Super Funds - If you don't have one, think again... See omnystudio.com/listener for privacy information.

Australian investors have fully embraced Exchange Traded Funds. Now, as the gap between managed funds and index funds narrows, investors want to know what's next on the menu? Daniel Shrimski, CEO of Vanguard Australia joins Associate Editor, James Kirby in this episode. In today's show, we cover: The changing shape of ETFs Industry leaders warn on CGT changes Vanguard's ISA plan for Australia The ETF dilemma - Selling a stock that's done too well  See omnystudio.com/listener for privacy information.

Investment property and high-dividend-paying shares are about to get a tax hit in the Budget: So, it's the perfect time to look wider for the active investor. Jack Tossol of the Partners Wealth Group joins Associate Editor - Wealth, James Kirby, in this episode. In today's show, we cover: The persistence of private equity How 'growth' shares get hit with planned CGT changes Are start-ups really disadvantaged in the tax system? How to find the purchase price of very old shares See omnystudio.com/listener for privacy information.

Interest rate hikes are just not the same anymore: Once upon a time, they hit the mortgage belt, that fictionalised housing strip in the outer suburbs populated by young families. Today the RBA’s weapon of choice lands heavily instead on older Australians.  What does it mean for the property investor?  Nerida Conisbee, chief economist at Ray White Group, joins Associate Editor, James Kirby in this episode.  In today's show, we cover: Investing with rising rates The case against two more rate hikes Why banks are offering longer-lasting mortgages Will negative gearing be effectively restricted to new houses?  See omnystudio.com/listener for privacy information.

The Iran crisis oil shock is creating winners and losers in the sharemarket, but it may not be playing out as you expect. Yes QANTAS is hit, but diesel-guzzlers BHP and Rio re big winners. How's that? And why is Wall Street streaking ahead of the ASX once more even though both markets are facing the same energy issues? Business columnist Eric Johnson joins Associate Editor - Wealth, James Kirby in this episode. In today's show, we cover: New realities of the sharemarket after an oil price spike The AI boom resumes...where are the Aussie players? Firmus - The biggest IPO from a company you've never heard about If EVs are now red hot...is lithium about to boom again? See omnystudio.com/listener for privacy information.

Once you get on top of the basics, then investing should get a lot easier. But the hidden factors that make a difference between winning and losing inside the investment market - including the property market - often have more to do with bias. Rasti Vaibhav of the Get RARE property group joins Associate Editor, James Kirby, in this episode. In today's episode, we cover: The six signs you're a biased investor The specific issues where bias hits the property investor How lessons from the sharemarket transfer to property CGT - If the reforms are only for residential property, what about A-REITs? See omnystudio.com/listener for privacy information.

The private credit boom is having a shake-out: But not before many Australian investors - and big super funds - placed a lot of money into what has been, until very recently, a boom business. What's on the line and where is the exposure?  Andy Darroch of Independent Financial Advice joins Associate Editor, James Kirby in this episode. In today's show, we cover: The problems plaguing private credit How local wealth managers and big funds are linked with the crisis Liquidity - If you did not know what it meant, you will now How to assess private credit as an asset class from here  See omnystudio.com/listener for privacy information.

The upside of higher interest rates is that you might get more on your money in the bank. But it turns out that anyone who uses a 'bonus' account (which is where the banks offer the best rates) must satisfy the terms and conditions each month.And guess what?  More than 40 per cent of savers in this category don't meet their T&Cs each month - that means they don't get the rate rise. With rates rising it’s time to get across the numbers. In today's show, we cover: Sally Tindall, data insights director at Canstar joins Associate Editor, James Kirby in this episode. In today's show, we cover: The best cash and borrowing rates in the market How the other half gets short-changed - with bonus rates Should you ever use a bank you never heard of? The NDIS...is there a way out of the mess for the government?   See omnystudio.com/listener for privacy information.

You've only got a few months to go before the end of the financial year: It's time to plan your tax returns...and yes, this year - with soaring transport costs and changing super caps - it will be different. 'Mr Taxman' Dr Adrian Raftery author and tax adviser joins Associate Editor, James Kirby in this episode  In today's show, we cover: Don't miss the chance to claim your soaring transport costs  How to optimise your work from home deductions The excellent deal available to anyone leasing an electric car Why superannuation is not the only deduction for the salaried investor  See omnystudio.com/listener for privacy information.

It was not supposed to happen this year: Vacancy rates were meant to rise in 2026 and income was expected to flatten…not at all. Property investors are suddenly grappling with a reshaped market where forecasts have been turned upside down. Louis Christopher of SQM Research joins Associate Editor James Kirby in this episode. In today’s episode, we cover: As you were! The upset trend of the year for property investors  The downgrades keep coming for house prices CGT looks set to increase Will a two-property negative gearing limit hurt? See omnystudio.com/listener for privacy information.

SMAs are booming inside the financial advice sector: But if they are so terrific, then why is regulator ASIC asking so many probing questions around fees and conflicts of interest?Nathan Fradley of Fradley Advice joins Associate Editor, James Kirby in this episode. In today's show, we cover... The good, bad and potentially ugly side of the SMA boom Will SMSFs get a fair deal in the new Compo scheme of last resort Reward points and super funds- a marriage made in the marketing department Why are financial advice fees not coming down if AI cuts costs? See omnystudio.com/listener for privacy information.

You can’t have a run of interest rate hikes and expect property to shoot out the lights. The chances are we are going to see a price slowdown in the major cities later this year…especially at the top end. But a string of factors point to serious resilience at the other end of the market. Independent housing analyst, Eliza Owen, joins Associate Editor, James Kirby in this episode  In today’s show, we cover: The key factors keeping demand strongest at the entry level How the 5% home deposit scheme skewed house prices A new CGT discount rate of 33% is now the most likely Budget change The problem with ‘grandfathering’  See omnystudio.com/listener for privacy information.

What are investors doing in reaction to the shocking turn in markets during the first three months of 2026?  One of the first moves is a distinct retreat from Wall Street back to the ASX, as investors seek mining and energy stocks along with blue chips that can deliver reliable dividends. It's early days but we are also seeing a pick-up in defensive investments such as infrastructure and a little less enthusiasm for gold. David Bassanese, chief economist at ETF provider Betashares, joins Associate Editor, James Kirby in this episode. In today's show, we cover: The surprise swing back to the ASX Where to invest now? The continuing case for gold (despite a bad run) CGT - To grandfather or not to grandfather?  See omnystudio.com/listener for privacy information.

If you want to get advice from today's guest, Ben James of Escala Partners, you need to have at least $5m in your investment portfolio. In other words, his clients are strictly from the top end of town. So what have his clients been doing since the Iran crisis broke in February, and what is he telling them to do next? Ben James, CEO of Escala Partners, joins Associate Editor, James Kirby in this episode  In today's show, we cover: The inflation shock to markets and what you must do next? Liquidity beyond cash for the everyday investor The next hot spots for active investors  Are dividends vulnerable in the months ahead  See omnystudio.com/listener for privacy information.

Buyer's agents armed with rubber-stamp qualifications are herding investors into overpriced regional hot spots just in time for a looming wave of rate rises...it's an accident waiting to happen. Veronica Morgan from Good Deeds Property Advisors joins Associate Editor, James Kirby in this episode. In today's show, we cover A warning for investors buying outside their home markets  The off-the-shelf buyer's agent qualification you should know about  Crunch looms for first home buyers on the 5% home deposit scheme Why property owners may sell up prior to CGT Budget change  See omnystudio.com/listener for privacy information.

What do the super-rich have in common? The everyday investor might never be a dealmaker, but they can learn a lot from the discipline, focus and confidence common to the cohort on this year's Rich 250 list. John Stensholt, Rich 250 Editor joins Associate Editor, James Kirby in this episode. In today's show, we cover: The common traits among the Rich 250  Who's who on the list and why they make the cut  How the share market AI v Software battle reshapes the list Couple-power...the underrated factor in building wealth  See omnystudio.com/listener for privacy information.

Cash rates are now more than 4 per cent and your mortgage is around 6 per cent: What's more, it looks very much like the hiking cycle is far from over, so should you fix at these levels? Stuart Wemyss of the Prosolution Private Clients group joins Associate Editor, James Kirby in this episode. In today's show, we cover: To fix or not to fix...the dilemma bites  Surprise good news for older cash hoarders  SMSF property lending cleared for take off  How much insurance do you really need?   See omnystudio.com/listener for privacy information.

Former AFL star Chris Judd has become a fund manager specialising in 'small cap' stocks: No surprise, he's got some clear views on the share market and what investors should be doing as higher interest rates loom. Chris Judd of the Cerutty Macro Fund joins Associate Editor - Wealth, James Kirby, in this episode .In today's show, we cover: The share market according to Chris Judd  How Judd's Cerutty Macro Fund finds stocks The stocks he is concentrating on in 2026 A once-in-blue-moon Money Puzzle footy tip!  See omnystudio.com/listener for privacy information.

"Rentvesting' is increasingly popular where wannabe home owners move first to buy a rental property and later to use their accumulated equity to buy 'a forever family home.' But putting some of your capital into the sharemarket, rather than the property market may be much more lucrative...and even better if CGT tax is raised in the near future. Author Jacqui Clarke, Your Personal CFO joins associate editor, James Kirby on this podcast episode. In today's show, we cover: Rentvesting  - It takes longer than you think CGT changes - How they will impact house prices, according to CBA Fixed rate mortage break costs - The bank that is not charging at all Medicare Levy Surcharge...watch out for this trap  See omnystudio.com/listener for privacy information.

These are very early days in the Iran war and the impact on share markets is far from clear. But already we can see there is upward pressure on interest rates around the world, there is also a clear risk of an inflation spike due to oil supply. Will Hamilton of Hamilton Wealth Partners joins Associate Editor, James Kirby in this episode. In today's show, we cover: Why the Iran war will push rates higher The bull market for global shares is now under serious pressure How AI is especially vulnerable to increased energy prices Private credit is a flash point in a volatile market  See omnystudio.com/listener for privacy information.

Though 80,000 investors own more than two negatively geared properties, the reaction to news that the government is planning to ‘cap’ the tax break has been low-key. Perhaps that’s because losing money on an investment property should not be the first aim of an investor. Jarrod McCabe of the Wakelin Advisory Group joins Associate Editor, James Kirby in this episode In today’s show, we cover: How will a negative gearing cap affect the market? Finding value where first-home buyers have reached their limits Can Adelaide hang on to its promotion as a top investor location? Defence site sales loom across the nation See omnystudio.com/listener for privacy information.

Everyday investors have been heavily sold private credit funds as an alternative investment and now the reality of this opaque, often illiquid market is starting to bite. Dr Doug Turek of Minchin Moore joins Associate Editor, James Kirby in this episode. In today's show, we cover: Problems with private credit spook investors Have commissions for financial advisers returned? Why government bonds are back  The best way to buy a US market ETF See omnystudio.com/listener for privacy information.

Are we looking the wrong way? As property investors fret over likely lifts in Capital Gains Tax, the bigger issue for long term investors is interest rates: Despite the industry-wide assumption that we are in a new rate hike cycle, it is looking increasingly likely that rates are not going to go through the roof, in fact some already believe we should be thinking about lower rates in the near future. Dr Sam Wylie of the Windlestone Education group and Melbourne Business School joins Associate Editor James Kirby in this episode In today's show, we cover: The CGT scare - How will if affect you How share investing may have a tax advantage over property soon* Interest rate hiking cycle...maybe not? Is super recontributing a form of money laundering? asks a listener See omnystudio.com/listener for privacy information.

More investors are coming to realise that inherited super is taxed at 17 per cent, but the government has stirred a hornet's nest in adding a de facto death tax into the new super tax legislation. What to do? Hugh Robertson of Centaur Financial joins Associate Editor James Kirby in this episode. In today's show, we cover: Inheritance tax changes : What you need to know Understanding your super caps for the year ahead How the kids raise your Medicare Levy Surcharge   Dealing with overseas shares and ETFs See omnystudio.com/listener for privacy information.

At the very core of wealth building is the dilemma of setting up your super or making sure you own a home; The long-term returns on both investment choices are broadly similar, but the tax system is hugely in favour of the home-owner. So what to do? James Gerrard of www.financialadviser.com.au joins Associate Editor James Kirby in this episode  In today's show, we cover: The in-built bias against renters in the tax system If you already contribute 12% to super by law- should you add more? The lesser-known bias against renters in pensions and super Optimising the tax system to your life-stage  See omnystudio.com/listener for privacy information.