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undefined"><section class="_297xI _3U0Iv cMu-d _31vzC" data-an-name="FiveStoryLeadSet" data-pb-type="cu" data-contentunit-id="286" data-testid="fivestoryleadset-strap"><div class=""><div><div class="Ymd-f"><div class="_3UISP"><div class="_15r1L _3BNh7 _3-Sw0" data-an-position="1" data-testid="story-tile" data-pb-type="st"><figure class="XmCQH" data-pb-type="im"><a tabindex="-1" data-testid="article-link" href="/money/tax/fuss-over-new-inheritance-fees-is-much-ado-about-nothing-20241122-p5ksrj.html"><div class="_1hWPs ME3V4 _2ohCx _1dZP4"><picture class=""><source media="(min-width: 1024px)" srcSet="https://static.ffx.io/images/$zoom_0.1902%2C$multiply_0.5203%2C$ratio_1.777778%2C$width_1059%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/a488cd080065da9b8d4e7bd29a917eb970a61555, https://static.ffx.io/images/$zoom_0.1902%2C$multiply_1.0406%2C$ratio_1.777778%2C$width_1059%2C$x_0%2C$y_0/t_crop_custom/q_62%2Cf_auto/a488cd080065da9b8d4e7bd29a917eb970a61555 2x" data-pb-im-config="{&quot;type&quot;:&quot;landscape16x9&quot;,&quot;aspectRatio&quot;:1.777778,&quot;width&quot;:551}"/><source media="(min-width: 768px)" srcSet="https://static.ffx.io/images/$zoom_0.1902%2C$multiply_0.3541%2C$ratio_1.777778%2C$width_1059%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/a488cd080065da9b8d4e7bd29a917eb970a61555, https://static.ffx.io/images/$zoom_0.1902%2C$multiply_0.7082%2C$ratio_1.777778%2C$width_1059%2C$x_0%2C$y_0/t_crop_custom/q_62%2Cf_auto/a488cd080065da9b8d4e7bd29a917eb970a61555 2x" data-pb-im-config="{&quot;type&quot;:&quot;landscape16x9&quot;,&quot;aspectRatio&quot;:1.777778,&quot;width&quot;:375}"/><img alt="The Supreme Court has seen its biggest year-on-year increase in probate applications." class="_1MQMh" src="https://static.ffx.io/images/$zoom_0.1902%2C$multiply_0.5515%2C$ratio_1.777778%2C$width_1059%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/a488cd080065da9b8d4e7bd29a917eb970a61555" srcSet="https://static.ffx.io/images/$zoom_0.1902%2C$multiply_0.5515%2C$ratio_1.777778%2C$width_1059%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/a488cd080065da9b8d4e7bd29a917eb970a61555, https://static.ffx.io/images/$zoom_0.1902%2C$multiply_1.1029%2C$ratio_1.777778%2C$width_1059%2C$x_0%2C$y_0/t_crop_custom/q_62%2Cf_auto/a488cd080065da9b8d4e7bd29a917eb970a61555 2x"/></picture></div></a></figure><div class="_1YzQk"><div class="_3XK8N"><h5 class="_2EuJH" data-testid="label" data-pb-type="lb">Opinion</h5><h5 class="_1XJ15" data-pb-type="tg"><a href="/topic/inheritance-hp7">Inheritance</a></h5></div><h3 class="_2XVos" data-testid="article-headline" data-pb-type="hl"><a data-testid="article-link" href="/money/tax/fuss-over-new-inheritance-fees-is-much-ado-about-nothing-20241122-p5ksrj.html">Fuss over new inheritance fees is much ado about nothing</a></h3><p class="_3XEsE" data-pb-type="ab">If Victorians found themselves seriously panicked about the future of their inheritance this week, I’m not surprised.</p><ul class="_4J-LJ" data-pb-type="au"><li class="_2DPTm"><span class="_3JtGQ">by </span><span><span data-testid="byline">Victoria Devine</span></span></li></ul></div></div></div><div class="_3UISP"><div class="_15r1L _1Wer5 _3TEmE _3-Sw0 _3FJrM _2wIsx" data-an-position="2" data-testid="story-tile" data-pb-type="st"><figure class="XmCQH" data-pb-type="im"><a tabindex="-1" data-testid="article-link" href="/money/saving/are-you-a-financial-late-starter-here-s-how-to-catch-up-20241120-p5ks8v.html"><div class="_1hWPs _2f0dW _2Q3hh _1UL7U"><picture class=""><source media="(min-width: 1024px)" srcSet="https://static.ffx.io/images/$zoom_0.42675698560541914%2C$multiply_0.1905%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/626cc2ab335bc9b0dd26b59cd89be98725585aac, https://static.ffx.io/images/$zoom_0.42675698560541914%2C$multiply_0.381%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_62%2Cf_auto/626cc2ab335bc9b0dd26b59cd89be98725585aac 2x" data-pb-im-config="{&quot;aspectRatio&quot;:1.5,&quot;type&quot;:&quot;landscape3x2&quot;,&quot;width&quot;:144}"/><source media="(min-width: 768px)" srcSet="https://static.ffx.io/images/$zoom_0.3201%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_2%2C$y_0/t_crop_custom/q_86%2Cf_auto/626cc2ab335bc9b0dd26b59cd89be98725585aac, https://static.ffx.io/images/$zoom_0.3201%2C$multiply_0.5079%2C$ratio_1%2C$width_378%2C$x_2%2C$y_0/t_crop_custom/q_62%2Cf_auto/626cc2ab335bc9b0dd26b59cd89be98725585aac 2x" data-pb-im-config="{&quot;aspectRatio&quot;:1,&quot;type&quot;:&quot;square1x1&quot;,&quot;width&quot;:96}"/><img alt="If you’ve hit your 30s and still don’t have a solid financial foundation, fear not." class="_1MQMh" src="https://static.ffx.io/images/$zoom_0.3201%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_2%2C$y_0/t_crop_custom/q_86%2Cf_auto/626cc2ab335bc9b0dd26b59cd89be98725585aac" srcSet="https://static.ffx.io/images/$zoom_0.3201%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_2%2C$y_0/t_crop_custom/q_86%2Cf_auto/626cc2ab335bc9b0dd26b59cd89be98725585aac, https://static.ffx.io/images/$zoom_0.3201%2C$multiply_0.5079%2C$ratio_1%2C$width_378%2C$x_2%2C$y_0/t_crop_custom/q_62%2Cf_auto/626cc2ab335bc9b0dd26b59cd89be98725585aac 2x"/></picture></div></a></figure><div class="_1YzQk"><div class="_3XK8N"><h5 class="_2EuJH" data-testid="label" data-pb-type="lb">Opinion</h5><h5 class="_1XJ15" data-pb-type="tg"><a href="/topic/hip-pocket-1mrl">Hip pocket</a></h5></div><h3 class="_2XVos" data-testid="article-headline" data-pb-type="hl"><a data-testid="article-link" href="/money/saving/are-you-a-financial-late-starter-here-s-how-to-catch-up-20241120-p5ks8v.html">Are you a financial late starter? Here’s how to catch up</a></h3><ul class="_4J-LJ" data-pb-type="au"><li class="_2DPTm"><span class="_3JtGQ">by </span><span><span data-testid="byline">Dominic Powell</span></span></li></ul></div></div><div class="_15r1L _1Wer5 _3TEmE _3-Sw0 _3FJrM _2wIsx" data-an-position="3" data-testid="story-tile" data-pb-type="st"><figure class="XmCQH" data-pb-type="im"><a tabindex="-1" data-testid="article-link" href="/money/super-and-retirement/finally-there-s-some-good-news-about-super-and-retirement-20241122-p5ksv7.html"><div class="_1hWPs _2f0dW _2Q3hh _1UL7U"><picture class=""><source media="(min-width: 1024px)" srcSet="https://static.ffx.io/images/$zoom_0.1863905325443787%2C$multiply_0.1905%2C$ratio_1.5%2C$width_756%2C$x_1%2C$y_0/t_crop_custom/q_86%2Cf_auto/9f699b3e4f10f8cc4a31c66336581ee3bbdad353, https://static.ffx.io/images/$zoom_0.1863905325443787%2C$multiply_0.381%2C$ratio_1.5%2C$width_756%2C$x_1%2C$y_0/t_crop_custom/q_62%2Cf_auto/9f699b3e4f10f8cc4a31c66336581ee3bbdad353 2x" data-pb-im-config="{&quot;aspectRatio&quot;:1.5,&quot;type&quot;:&quot;landscape3x2&quot;,&quot;width&quot;:144}"/><source media="(min-width: 768px)" srcSet="https://static.ffx.io/images/$zoom_0.17899704142011838%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_122%2C$y_106/t_crop_custom/q_86%2Cf_auto/9f699b3e4f10f8cc4a31c66336581ee3bbdad353, https://static.ffx.io/images/$zoom_0.17899704142011838%2C$multiply_0.5079%2C$ratio_1%2C$width_378%2C$x_122%2C$y_106/t_crop_custom/q_62%2Cf_auto/9f699b3e4f10f8cc4a31c66336581ee3bbdad353 2x" data-pb-im-config="{&quot;aspectRatio&quot;:1,&quot;type&quot;:&quot;square1x1&quot;,&quot;width&quot;:96}"/><img alt="People who start planning for retirement earlier end up in a better financial position." class="_1MQMh" src="https://static.ffx.io/images/$zoom_0.17899704142011838%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_122%2C$y_106/t_crop_custom/q_86%2Cf_auto/9f699b3e4f10f8cc4a31c66336581ee3bbdad353" srcSet="https://static.ffx.io/images/$zoom_0.17899704142011838%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_122%2C$y_106/t_crop_custom/q_86%2Cf_auto/9f699b3e4f10f8cc4a31c66336581ee3bbdad353, https://static.ffx.io/images/$zoom_0.17899704142011838%2C$multiply_0.5079%2C$ratio_1%2C$width_378%2C$x_122%2C$y_106/t_crop_custom/q_62%2Cf_auto/9f699b3e4f10f8cc4a31c66336581ee3bbdad353 2x"/></picture></div></a></figure><div class="_1YzQk"><div class="_3XK8N"><h5 class="_2EuJH" data-testid="label" data-pb-type="lb">Opinion</h5><h5 class="_1XJ15" data-pb-type="tg"><a href="/topic/retirement-living-jl3">Retirement living</a></h5></div><h3 class="_2XVos" data-testid="article-headline" data-pb-type="hl"><a data-testid="article-link" href="/money/super-and-retirement/finally-there-s-some-good-news-about-super-and-retirement-20241122-p5ksv7.html">Finally, there’s some good news about super and retirement</a></h3><ul class="_4J-LJ" data-pb-type="au"><li class="_2DPTm"><span class="_3JtGQ">by </span><span><span data-testid="byline">Bec Wilson</span></span></li></ul></div></div><div class="_15r1L _1Wer5 _3TEmE _3-Sw0 _3FJrM _2wIsx" data-an-position="4" data-testid="story-tile" data-pb-type="st"><figure class="XmCQH" data-pb-type="im"><a tabindex="-1" data-testid="article-link" href="/money/insurance/how-paying-car-insurance-monthly-could-cost-you-twice-20241122-p5ksut.html"><div class="_1hWPs _2f0dW _2Q3hh _1UL7U"><picture class=""><source media="(min-width: 1024px)" srcSet="https://static.ffx.io/images/$zoom_0.09228515625%2C$multiply_0.1905%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/9ddfdc76b43b6563c171effb5dbc4cda4f82b445, https://static.ffx.io/images/$zoom_0.09228515625%2C$multiply_0.381%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_62%2Cf_auto/9ddfdc76b43b6563c171effb5dbc4cda4f82b445 2x" data-pb-im-config="{&quot;aspectRatio&quot;:1.5,&quot;type&quot;:&quot;landscape3x2&quot;,&quot;width&quot;:144}"/><source media="(min-width: 768px)" srcSet="https://static.ffx.io/images/$zoom_0.06918008784773061%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_21%2C$y_0/t_crop_custom/q_86%2Cf_auto/9ddfdc76b43b6563c171effb5dbc4cda4f82b445, https://static.ffx.io/images/$zoom_0.06918008784773061%2C$multiply_0.5079%2C$ratio_1%2C$width_378%2C$x_21%2C$y_0/t_crop_custom/q_62%2Cf_auto/9ddfdc76b43b6563c171effb5dbc4cda4f82b445 2x" data-pb-im-config="{&quot;aspectRatio&quot;:1,&quot;type&quot;:&quot;square1x1&quot;,&quot;width&quot;:96}"/><img alt="There’s a costly, yet common, clause in many car insurance contracts that may take you by surprise." class="_1MQMh" src="https://static.ffx.io/images/$zoom_0.06918008784773061%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_21%2C$y_0/t_crop_custom/q_86%2Cf_auto/9ddfdc76b43b6563c171effb5dbc4cda4f82b445" srcSet="https://static.ffx.io/images/$zoom_0.06918008784773061%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_21%2C$y_0/t_crop_custom/q_86%2Cf_auto/9ddfdc76b43b6563c171effb5dbc4cda4f82b445, https://static.ffx.io/images/$zoom_0.06918008784773061%2C$multiply_0.5079%2C$ratio_1%2C$width_378%2C$x_21%2C$y_0/t_crop_custom/q_62%2Cf_auto/9ddfdc76b43b6563c171effb5dbc4cda4f82b445 2x"/></picture></div></a></figure><div class="_1YzQk"><div class="_3XK8N"><h5 class="_2EuJH" data-testid="label" data-pb-type="lb">Opinion</h5><h5 class="_1XJ15" data-pb-type="tg"><a href="/topic/general-insurance-1np7">General insurance</a></h5></div><h3 class="_2XVos" data-testid="article-headline" data-pb-type="hl"><a data-testid="article-link" href="/money/insurance/how-paying-car-insurance-monthly-could-cost-you-twice-20241122-p5ksut.html">How paying car insurance monthly could cost you twice</a></h3><ul class="_4J-LJ" data-pb-type="au"><li class="_2DPTm"><span class="_3JtGQ">by </span><span><span data-testid="byline">Nicole Pedersen-McKinnon</span></span></li></ul></div></div><div class="_15r1L _1Wer5 _3TEmE _3-Sw0 _3FJrM _2wIsx" data-an-position="5" data-testid="story-tile" data-pb-type="st"><figure class="XmCQH" data-pb-type="im"><a tabindex="-1" data-testid="article-link" href="/money/banking/finance-experts-reveal-their-favourite-security-tips-20241107-p5kot7.html"><div class="_1hWPs _2f0dW _2Q3hh _1UL7U"><picture class=""><source media="(min-width: 1024px)" srcSet="https://static.ffx.io/images/$zoom_1%2C$multiply_0.1905%2C$ratio_1.5%2C$width_756%2C$x_342%2C$y_8/t_crop_custom/q_86%2Cf_auto/79eb595dd05800ad11c6207c7aa670749a348673, https://static.ffx.io/images/$zoom_1%2C$multiply_0.381%2C$ratio_1.5%2C$width_756%2C$x_342%2C$y_8/t_crop_custom/q_62%2Cf_auto/79eb595dd05800ad11c6207c7aa670749a348673 2x" data-pb-im-config="{&quot;aspectRatio&quot;:1.5,&quot;type&quot;:&quot;landscape3x2&quot;,&quot;width&quot;:144}"/><source media="(min-width: 768px)" srcSet="https://static.ffx.io/images/$zoom_0.922%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_475%2C$y_51/t_crop_custom/q_86%2Cf_auto/79eb595dd05800ad11c6207c7aa670749a348673, https://static.ffx.io/images/$zoom_0.922%2C$multiply_0.5079%2C$ratio_1%2C$width_378%2C$x_475%2C$y_51/t_crop_custom/q_62%2Cf_auto/79eb595dd05800ad11c6207c7aa670749a348673 2x" data-pb-im-config="{&quot;aspectRatio&quot;:1,&quot;type&quot;:&quot;square1x1&quot;,&quot;width&quot;:96}"/><img alt="All the experts agree that MFA is your best defence." class="_1MQMh" src="https://static.ffx.io/images/$zoom_0.922%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_475%2C$y_51/t_crop_custom/q_86%2Cf_auto/79eb595dd05800ad11c6207c7aa670749a348673" srcSet="https://static.ffx.io/images/$zoom_0.922%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_475%2C$y_51/t_crop_custom/q_86%2Cf_auto/79eb595dd05800ad11c6207c7aa670749a348673, https://static.ffx.io/images/$zoom_0.922%2C$multiply_0.5079%2C$ratio_1%2C$width_378%2C$x_475%2C$y_51/t_crop_custom/q_62%2Cf_auto/79eb595dd05800ad11c6207c7aa670749a348673 2x"/></picture></div></a></figure><div class="_1YzQk"><div class="_3XK8N"><h5 class="_2EuJH _2sYXI" data-testid="label" data-pb-type="lb">Sponsored</h5><h5 class="_1XJ15" data-pb-type="tg"><a href="/topic/macquarie-bank-6gw0">Macquarie Bank</a></h5></div><h3 class="_2XVos" data-testid="article-headline" data-pb-type="hl"><a data-testid="article-link" href="/money/banking/finance-experts-reveal-their-favourite-security-tips-20241107-p5kot7.html">Finance experts reveal their favourite security tips</a></h3></div></div></div></div></div></div></section><section class="_297xI _3U0Iv cMu-d" data-an-name="Ask an expert" data-pb-type="cu" data-contentunit-id="287" data-testid="ask-an-expert-strap"><header class="iBWLf"><h2 class="_1F8c8" data-pb-type="hi">Ask an expert</h2></header><div class=""><div class="dJIm_"><div class="_15r1L gts1Q _1ieQd" data-an-position="1" data-testid="story-tile" data-pb-type="st"><div class="_1YzQk"><h3 class="_2XVos _1Q1Z8" data-testid="article-headline" data-pb-type="hl"><a data-testid="article-link" href="/money/investing/should-i-ditch-my-low-earning-but-safe-investments-20241122-p5ksrs.html">Should I ditch my low earning, but ‘safe’ investments?</a></h3><p class="_3XEsE" data-pb-type="ab">Sharemarkets are booming now, but historically markets have fallen about one in every four years, so be careful before jettisoning safer assets.</p><div class="_8SnR- _3WqBN" data-pb-type="au"><a href="/by/paul-benson-p536xj" class="_3WFpL"><img alt="Paul Benson" class="_3GkR2" height="40" src="https://static.ffx.io/images/$width_40%2C$height_40/t_crop_fill/q_86%2Cf_auto/87aeade9ae441926c90453859e20aecb596ad9b7" srcSet="https://static.ffx.io/images/$width_40%2C$height_40/t_crop_fill/q_86%2Cf_auto/87aeade9ae441926c90453859e20aecb596ad9b7, https://static.ffx.io/images/$width_80%2C$height_80/t_crop_fill/q_86%2Cf_auto/87aeade9ae441926c90453859e20aecb596ad9b7 2x" width="40"/></a><div><h5 class="_2DPTm"><span><span data-testid="byline"><a href="/by/paul-benson-p536xj" title="Articles by Paul Benson">Paul Benson</a></span></span></h5><p class="_3YaCb">Money contributor</p></div></div></div></div><div class="_15r1L gts1Q _1ieQd" data-an-position="2" data-testid="story-tile" data-pb-type="st"><div class="_1YzQk"><h3 class="_2XVos _1Q1Z8" data-testid="article-headline" data-pb-type="hl"><a data-testid="article-link" href="/money/super-and-retirement/i-work-overseas-can-i-get-early-access-to-my-super-20241119-p5krrm.html">I work overseas. Can I get early access to my super?</a></h3><p class="_3XEsE" data-pb-type="ab">Even if you’ve cut all ties to Australia, the rules for accessing superannuation are universal.</p><div class="_8SnR- _3WqBN" data-pb-type="au"><a href="/by/noel-whittaker-13vvys" class="_3WFpL"><img alt="Noel Whittaker" class="_3GkR2" height="40" src="https://static.ffx.io/images/$width_40%2C$height_40/t_crop_fill/q_86%2Cf_auto/b8c5e3b678d518a5132f66015ae2c351aeee5bb8" srcSet="https://static.ffx.io/images/$width_40%2C$height_40/t_crop_fill/q_86%2Cf_auto/b8c5e3b678d518a5132f66015ae2c351aeee5bb8, https://static.ffx.io/images/$width_80%2C$height_80/t_crop_fill/q_86%2Cf_auto/b8c5e3b678d518a5132f66015ae2c351aeee5bb8 2x" width="40"/></a><div><h5 class="_2DPTm"><span><span data-testid="byline"><a href="/by/noel-whittaker-13vvys" title="Articles by Noel Whittaker">Noel Whittaker</a></span></span></h5><p class="_3YaCb">Money columnist</p></div></div></div></div><div class="_15r1L gts1Q _1ieQd" data-an-position="3" data-testid="story-tile" data-pb-type="st"><div class="_1YzQk"><h3 class="_2XVos _1Q1Z8" data-testid="article-headline" data-pb-type="hl"><a data-testid="article-link" href="/money/saving/we-re-selling-our-holiday-home-can-we-put-the-proceeds-into-our-super-20241115-p5kquz.html">We’re selling our holiday home - can we put the proceeds into our super?</a></h3><p class="_3XEsE" data-pb-type="ab">A super top-up using the proceeds from your house sale is possible, but you need to be mindful of the size and timing of contributions.</p><div class="_8SnR- _3WqBN" data-pb-type="au"><a href="/by/paul-benson-p536xj" class="_3WFpL"><img alt="Paul Benson" class="_3GkR2" height="40" src="https://static.ffx.io/images/$width_40%2C$height_40/t_crop_fill/q_86%2Cf_auto/87aeade9ae441926c90453859e20aecb596ad9b7" srcSet="https://static.ffx.io/images/$width_40%2C$height_40/t_crop_fill/q_86%2Cf_auto/87aeade9ae441926c90453859e20aecb596ad9b7, https://static.ffx.io/images/$width_80%2C$height_80/t_crop_fill/q_86%2Cf_auto/87aeade9ae441926c90453859e20aecb596ad9b7 2x" width="40"/></a><div><h5 class="_2DPTm"><span><span data-testid="byline"><a href="/by/paul-benson-p536xj" title="Articles by Paul Benson">Paul Benson</a></span></span></h5><p class="_3YaCb">Money contributor</p></div></div></div></div></div></div></section><div class="container"><div class="adWrapper _2UMq- noPrint" data-testid="ad"><small class="_3ToRr">Advertisement</small><div class="" id="adspot-728x90_970x250_300x250-pos2-desktop"></div></div></div><section class="_297xI _3U0Iv cMu-d _3lGPL" data-an-name="Planning &amp; budgeting" data-pb-type="cu" data-contentunit-id="288" data-testid="planning-&amp;-budgeting-strap"><header class="iBWLf"><h2 class="_1F8c8" data-pb-type="hi"><a href="/money/planning-and-budgeting"><span>Planning &amp; budgeting</span><svg height="1em" viewBox="0 0 32 32" width="1em" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink"><path d="M9.6,26.6c-0.8,0.8-0.8,2,0,2.8c0.8,0.8,2,0.8,2.8,0l12-12c0.8-0.8,0.8-2,0-2.8l-12-12 c-0.8-0.8-2-0.8-2.8,0c-0.8,0.8-0.8,2,0,2.8L20.2,16L9.6,26.6z"></path></svg></a></h2></header><div class=""><div><div class="_218pz"><div class="_15r1L _1Wer5 _3TEmE _1TvYn _2-Qpc" data-an-position="1" data-testid="story-tile" data-pb-type="st"><figure class="XmCQH" data-pb-type="im"><a tabindex="-1" data-testid="article-link" href="/money/planning-and-budgeting/how-to-end-the-cycle-of-financial-self-sabotage-20241119-p5krro.html"><div class="_1hWPs _3-Mzw _2Q3hh _1UL7U"><picture class=""><source media="(min-width: 1024px)" srcSet="https://static.ffx.io/images/$zoom_0.1096%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_195%2C$y_0/t_crop_custom/q_86%2Cf_auto/0a4815d0a7c10af607e810015803fd263e33018e, https://static.ffx.io/images/$zoom_0.1096%2C$multiply_0.5079%2C$ratio_1%2C$width_378%2C$x_195%2C$y_0/t_crop_custom/q_62%2Cf_auto/0a4815d0a7c10af607e810015803fd263e33018e 2x" data-pb-im-config="{&quot;aspectRatio&quot;:1,&quot;type&quot;:&quot;square1x1&quot;,&quot;width&quot;:96}"/><source media="(min-width: 768px)" srcSet="https://static.ffx.io/images/$zoom_0.1096%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_195%2C$y_0/t_crop_custom/q_86%2Cf_auto/0a4815d0a7c10af607e810015803fd263e33018e, https://static.ffx.io/images/$zoom_0.1096%2C$multiply_0.5079%2C$ratio_1%2C$width_378%2C$x_195%2C$y_0/t_crop_custom/q_62%2Cf_auto/0a4815d0a7c10af607e810015803fd263e33018e 2x" data-pb-im-config="{&quot;aspectRatio&quot;:1,&quot;type&quot;:&quot;square1x1&quot;,&quot;width&quot;:96}"/><img alt="Spending your life living high on the hog could be masking some deeper troubles with money." class="_1MQMh" src="https://static.ffx.io/images/$zoom_0.1096%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_195%2C$y_0/t_crop_custom/q_86%2Cf_auto/0a4815d0a7c10af607e810015803fd263e33018e" srcSet="https://static.ffx.io/images/$zoom_0.1096%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_195%2C$y_0/t_crop_custom/q_86%2Cf_auto/0a4815d0a7c10af607e810015803fd263e33018e, https://static.ffx.io/images/$zoom_0.1096%2C$multiply_0.5079%2C$ratio_1%2C$width_378%2C$x_195%2C$y_0/t_crop_custom/q_62%2Cf_auto/0a4815d0a7c10af607e810015803fd263e33018e 2x"/></picture></div></a></figure><div class="_1YzQk"><div class="_3XK8N"><h5 class="_2EuJH" data-testid="label" data-pb-type="lb">Opinion</h5><h5 class="_1XJ15" data-pb-type="tg"><a href="/topic/money-psychology-hok">Money psychology</a></h5></div><h3 class="_2XVos" data-testid="article-headline" data-pb-type="hl"><a data-testid="article-link" href="/money/planning-and-budgeting/how-to-end-the-cycle-of-financial-self-sabotage-20241119-p5krro.html">How to end the cycle of financial self-sabotage</a></h3><ul class="_4J-LJ" data-pb-type="au"><li class="_2DPTm"><span class="_3JtGQ">by </span><span><span data-testid="byline">Paridhi Jain</span></span></li></ul></div></div><div class="_15r1L _1Wer5 _3TEmE _1TvYn _2-Qpc" data-an-position="2" data-testid="story-tile" data-pb-type="st"><figure class="XmCQH" data-pb-type="im"><a tabindex="-1" data-testid="article-link" href="/money/planning-and-budgeting/thinking-of-gifting-the-grandkids-some-money-check-this-first-20241119-p5krrk.html"><div class="_1hWPs _3-Mzw _2Q3hh _1UL7U"><picture class=""><source media="(min-width: 1024px)" srcSet="https://static.ffx.io/images/$zoom_0.1146%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_167%2C$y_0/t_crop_custom/q_86%2Cf_auto/d31336be3414fd710bfa39c0de67a22a8ddaddbb, https://static.ffx.io/images/$zoom_0.1146%2C$multiply_0.5079%2C$ratio_1%2C$width_378%2C$x_167%2C$y_0/t_crop_custom/q_62%2Cf_auto/d31336be3414fd710bfa39c0de67a22a8ddaddbb 2x" data-pb-im-config="{&quot;aspectRatio&quot;:1,&quot;type&quot;:&quot;square1x1&quot;,&quot;width&quot;:96}"/><source media="(min-width: 768px)" srcSet="https://static.ffx.io/images/$zoom_0.1146%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_167%2C$y_0/t_crop_custom/q_86%2Cf_auto/d31336be3414fd710bfa39c0de67a22a8ddaddbb, https://static.ffx.io/images/$zoom_0.1146%2C$multiply_0.5079%2C$ratio_1%2C$width_378%2C$x_167%2C$y_0/t_crop_custom/q_62%2Cf_auto/d31336be3414fd710bfa39c0de67a22a8ddaddbb 2x" data-pb-im-config="{&quot;aspectRatio&quot;:1,&quot;type&quot;:&quot;square1x1&quot;,&quot;width&quot;:96}"/><img alt="Early inheritances are well and good, but make sure you don’t regret gifting away money you might have actually needed." class="_1MQMh" src="https://static.ffx.io/images/$zoom_0.1146%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_167%2C$y_0/t_crop_custom/q_86%2Cf_auto/d31336be3414fd710bfa39c0de67a22a8ddaddbb" srcSet="https://static.ffx.io/images/$zoom_0.1146%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_167%2C$y_0/t_crop_custom/q_86%2Cf_auto/d31336be3414fd710bfa39c0de67a22a8ddaddbb, https://static.ffx.io/images/$zoom_0.1146%2C$multiply_0.5079%2C$ratio_1%2C$width_378%2C$x_167%2C$y_0/t_crop_custom/q_62%2Cf_auto/d31336be3414fd710bfa39c0de67a22a8ddaddbb 2x"/></picture></div></a></figure><div class="_1YzQk"><div class="_3XK8N"><h5 class="_2EuJH" data-testid="label" data-pb-type="lb">Analysis</h5><h5 class="_1XJ15" data-pb-type="tg"><a href="/topic/pension-60f">Pension</a></h5></div><h3 class="_2XVos" data-testid="article-headline" data-pb-type="hl"><a data-testid="article-link" href="/money/planning-and-budgeting/thinking-of-gifting-the-grandkids-some-money-check-this-first-20241119-p5krrk.html">Thinking of gifting the grandkids some money? Check this first</a></h3><ul class="_4J-LJ" data-pb-type="au"><li class="_2DPTm"><span class="_3JtGQ">by </span><span><span data-testid="byline">Rachel Lane</span></span></li></ul></div></div><div class="_15r1L _1Wer5 _3TEmE _1TvYn _2-Qpc" data-an-position="3" data-testid="story-tile" data-pb-type="st"><figure class="XmCQH" data-pb-type="im"><a tabindex="-1" data-testid="article-link" href="/money/planning-and-budgeting/daisy-saved-400-a-month-not-buying-groceries-here-s-how-she-still-eats-well-20241018-p5kjhj.html"><div class="_1hWPs _3-Mzw _2Q3hh _1UL7U"><picture class=""><source media="(min-width: 1024px)" srcSet="https://static.ffx.io/images/$zoom_0.06983188619988917%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_95%2C$y_0/t_crop_custom/q_86%2Cf_auto/01652351f86c4dc8ad02a4834fe5643cee840b7f, https://static.ffx.io/images/$zoom_0.06983188619988917%2C$multiply_0.5079%2C$ratio_1%2C$width_378%2C$x_95%2C$y_0/t_crop_custom/q_62%2Cf_auto/01652351f86c4dc8ad02a4834fe5643cee840b7f 2x" data-pb-im-config="{&quot;aspectRatio&quot;:1,&quot;type&quot;:&quot;square1x1&quot;,&quot;width&quot;:96}"/><source media="(min-width: 768px)" srcSet="https://static.ffx.io/images/$zoom_0.06983188619988917%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_95%2C$y_0/t_crop_custom/q_86%2Cf_auto/01652351f86c4dc8ad02a4834fe5643cee840b7f, https://static.ffx.io/images/$zoom_0.06983188619988917%2C$multiply_0.5079%2C$ratio_1%2C$width_378%2C$x_95%2C$y_0/t_crop_custom/q_62%2Cf_auto/01652351f86c4dc8ad02a4834fe5643cee840b7f 2x" data-pb-im-config="{&quot;aspectRatio&quot;:1,&quot;type&quot;:&quot;square1x1&quot;,&quot;width&quot;:96}"/><img alt="For many younger Australians, the sustained increase in the price of groceries is leading to desperate measures." class="_1MQMh" src="https://static.ffx.io/images/$zoom_0.06983188619988917%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_95%2C$y_0/t_crop_custom/q_86%2Cf_auto/01652351f86c4dc8ad02a4834fe5643cee840b7f" srcSet="https://static.ffx.io/images/$zoom_0.06983188619988917%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_95%2C$y_0/t_crop_custom/q_86%2Cf_auto/01652351f86c4dc8ad02a4834fe5643cee840b7f, https://static.ffx.io/images/$zoom_0.06983188619988917%2C$multiply_0.5079%2C$ratio_1%2C$width_378%2C$x_95%2C$y_0/t_crop_custom/q_62%2Cf_auto/01652351f86c4dc8ad02a4834fe5643cee840b7f 2x"/></picture></div></a></figure><div class="_1YzQk"><div class="_3XK8N"><h5 class="_2EuJH" data-testid="label" data-pb-type="lb">Opinion</h5><h5 class="_1XJ15" data-pb-type="tg"><a href="/topic/supermarkets-62f">Supermarkets</a></h5></div><h3 class="_2XVos" data-testid="article-headline" data-pb-type="hl"><a data-testid="article-link" href="/money/planning-and-budgeting/daisy-saved-400-a-month-not-buying-groceries-here-s-how-she-still-eats-well-20241018-p5kjhj.html">Daisy saved $400 a month not buying groceries. Here’s how she still eats well</a></h3><ul class="_4J-LJ" data-pb-type="au"><li class="_2DPTm"><span class="_3JtGQ">by </span><span><span data-testid="byline">Maggie Zhou</span></span></li></ul></div></div><div class="_15r1L _1Wer5 _3TEmE _1TvYn _2-Qpc" data-an-position="4" data-testid="story-tile" data-pb-type="st"><figure class="XmCQH" data-pb-type="im"><a tabindex="-1" data-testid="article-link" href="/money/planning-and-budgeting/six-tips-to-save-you-from-a-financial-hangover-this-christmas-20241115-p5kqzs.html"><div class="_1hWPs _3-Mzw _2Q3hh _1UL7U"><picture class=""><source media="(min-width: 1024px)" srcSet="https://static.ffx.io/images/$zoom_0.2245%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_283%2C$y_0/t_crop_custom/q_86%2Cf_auto/743b6df3e4262b2e453beffdbeb913c8101ec7ab, https://static.ffx.io/images/$zoom_0.2245%2C$multiply_0.5079%2C$ratio_1%2C$width_378%2C$x_283%2C$y_0/t_crop_custom/q_62%2Cf_auto/743b6df3e4262b2e453beffdbeb913c8101ec7ab 2x" data-pb-im-config="{&quot;aspectRatio&quot;:1,&quot;type&quot;:&quot;square1x1&quot;,&quot;width&quot;:96}"/><source media="(min-width: 768px)" srcSet="https://static.ffx.io/images/$zoom_0.2245%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_283%2C$y_0/t_crop_custom/q_86%2Cf_auto/743b6df3e4262b2e453beffdbeb913c8101ec7ab, https://static.ffx.io/images/$zoom_0.2245%2C$multiply_0.5079%2C$ratio_1%2C$width_378%2C$x_283%2C$y_0/t_crop_custom/q_62%2Cf_auto/743b6df3e4262b2e453beffdbeb913c8101ec7ab 2x" data-pb-im-config="{&quot;aspectRatio&quot;:1,&quot;type&quot;:&quot;square1x1&quot;,&quot;width&quot;:96}"/><img alt="It is possible to have meaningful relationships in today’s imperfect climate." class="_1MQMh" src="https://static.ffx.io/images/$zoom_0.2245%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_283%2C$y_0/t_crop_custom/q_86%2Cf_auto/743b6df3e4262b2e453beffdbeb913c8101ec7ab" srcSet="https://static.ffx.io/images/$zoom_0.2245%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_283%2C$y_0/t_crop_custom/q_86%2Cf_auto/743b6df3e4262b2e453beffdbeb913c8101ec7ab, https://static.ffx.io/images/$zoom_0.2245%2C$multiply_0.5079%2C$ratio_1%2C$width_378%2C$x_283%2C$y_0/t_crop_custom/q_62%2Cf_auto/743b6df3e4262b2e453beffdbeb913c8101ec7ab 2x"/></picture></div></a></figure><div class="_1YzQk"><div class="_3XK8N"><h5 class="_2EuJH" data-testid="label" data-pb-type="lb">Opinion</h5><h5 class="_1XJ15" data-pb-type="tg"><a href="/topic/budgeting-hvn">Budgeting</a></h5></div><h3 class="_2XVos" data-testid="article-headline" data-pb-type="hl"><a data-testid="article-link" href="/money/planning-and-budgeting/six-tips-to-save-you-from-a-financial-hangover-this-christmas-20241115-p5kqzs.html">Six tips to save you from a financial hangover this Christmas</a></h3><ul class="_4J-LJ" data-pb-type="au"><li class="_2DPTm"><span class="_3JtGQ">by </span><span><span data-testid="byline">Victoria Devine</span></span></li></ul></div></div></div></div></div></section><div class="_38YtC _2VJfp" id="adspot-native-6x1-pos1-desktop"></div><section class="ybAN- _32Pk2 cMu-d _18gUx" data-an-name="Investing" data-pb-type="cu" data-contentunit-id="289" data-testid="investing-strap"><header class="iBWLf"><h2 class="_1F8c8" data-pb-type="hi"><a href="/money/investing"><span>Investing</span><svg height="1em" viewBox="0 0 32 32" width="1em" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink"><path d="M9.6,26.6c-0.8,0.8-0.8,2,0,2.8c0.8,0.8,2,0.8,2.8,0l12-12c0.8-0.8,0.8-2,0-2.8l-12-12 c-0.8-0.8-2-0.8-2.8,0c-0.8,0.8-0.8,2,0,2.8L20.2,16L9.6,26.6z"></path></svg></a></h2></header><div class=""><div><div class="_25iUb"><div class="_1W_85"><div class="_15r1L gts1Q _44Hw1" data-an-position="1" data-testid="story-tile" data-pb-type="st"><figure class="XmCQH" data-pb-type="im"><a tabindex="-1" data-testid="article-link" href="/money/investing/should-i-ditch-my-low-earning-but-safe-investments-20241122-p5ksrs.html"><div class="_1hWPs ME3V4 _2ohCx _1dZP4"><picture class=""><source media="(min-width: 1024px)" srcSet="https://static.ffx.io/images/$zoom_0.7852%2C$multiply_0.3437%2C$ratio_1.777778%2C$width_1059%2C$x_0%2C$y_97/t_crop_custom/q_86%2Cf_auto/d4c2bce30f56148d5ba05210550958c5af11fdcf, https://static.ffx.io/images/$zoom_0.7852%2C$multiply_0.6874%2C$ratio_1.777778%2C$width_1059%2C$x_0%2C$y_97/t_crop_custom/q_62%2Cf_auto/d4c2bce30f56148d5ba05210550958c5af11fdcf 2x" data-pb-im-config="{&quot;aspectRatio&quot;:1.777778,&quot;type&quot;:&quot;landscape16x9&quot;,&quot;width&quot;:364}"/><source media="(min-width: 768px)" srcSet="https://static.ffx.io/images/$zoom_0.7852%2C$multiply_0.3541%2C$ratio_1.777778%2C$width_1059%2C$x_0%2C$y_97/t_crop_custom/q_86%2Cf_auto/d4c2bce30f56148d5ba05210550958c5af11fdcf, https://static.ffx.io/images/$zoom_0.7852%2C$multiply_0.7082%2C$ratio_1.777778%2C$width_1059%2C$x_0%2C$y_97/t_crop_custom/q_62%2Cf_auto/d4c2bce30f56148d5ba05210550958c5af11fdcf 2x" data-pb-im-config="{&quot;aspectRatio&quot;:1.777778,&quot;type&quot;:&quot;landscape16x9&quot;,&quot;width&quot;:375}"/><img alt="Defensive assets, like bonds, are useful in times of turmoil, but can look unappealing when markets are booming." class="_1MQMh" src="https://static.ffx.io/images/$zoom_0.7852%2C$multiply_0.2842%2C$ratio_1.777778%2C$width_1059%2C$x_0%2C$y_97/t_crop_custom/q_86%2Cf_auto/d4c2bce30f56148d5ba05210550958c5af11fdcf" srcSet="https://static.ffx.io/images/$zoom_0.7852%2C$multiply_0.2842%2C$ratio_1.777778%2C$width_1059%2C$x_0%2C$y_97/t_crop_custom/q_86%2Cf_auto/d4c2bce30f56148d5ba05210550958c5af11fdcf, https://static.ffx.io/images/$zoom_0.7852%2C$multiply_0.5685%2C$ratio_1.777778%2C$width_1059%2C$x_0%2C$y_97/t_crop_custom/q_62%2Cf_auto/d4c2bce30f56148d5ba05210550958c5af11fdcf 2x"/></picture></div></a></figure><div class="_1YzQk"><div class="_3XK8N"><h5 class="_2EuJH" data-testid="label" data-pb-type="lb">Opinion</h5><h5 class="_1XJ15" data-pb-type="tg"><a href="/topic/ask-an-expert-1qi">Ask an expert</a></h5></div><h3 class="_2XVos" data-testid="article-headline" data-pb-type="hl"><a data-testid="article-link" href="/money/investing/should-i-ditch-my-low-earning-but-safe-investments-20241122-p5ksrs.html">Should I ditch my low earning, but ‘safe’ investments?</a></h3><ul class="_4J-LJ" data-pb-type="au"><li class="_2DPTm"><span class="_3JtGQ">by </span><span><span data-testid="byline">Paul Benson</span></span></li></ul></div></div><div class="_15r1L gts1Q _44Hw1" data-an-position="2" data-testid="story-tile" data-pb-type="st"><figure class="XmCQH" data-pb-type="im"><a tabindex="-1" data-testid="article-link" href="/money/investing/buy-a-home-or-invest-in-super-the-dilemma-facing-older-renters-20241108-p5kp06.html"><div class="_1hWPs ME3V4 _2ohCx _1dZP4"><picture class=""><source media="(min-width: 1024px)" srcSet="https://static.ffx.io/images/$zoom_1.1779%2C$multiply_0.3437%2C$ratio_1.777778%2C$width_1059%2C$x_0%2C$y_134/t_crop_custom/q_86%2Cf_auto/ccd8386b556a866656631e5a8a39828a24b21fb4, https://static.ffx.io/images/$zoom_1.1779%2C$multiply_0.6874%2C$ratio_1.777778%2C$width_1059%2C$x_0%2C$y_134/t_crop_custom/q_62%2Cf_auto/ccd8386b556a866656631e5a8a39828a24b21fb4 2x" data-pb-im-config="{&quot;aspectRatio&quot;:1.777778,&quot;type&quot;:&quot;landscape16x9&quot;,&quot;width&quot;:364}"/><source media="(min-width: 768px)" srcSet="https://static.ffx.io/images/$zoom_1.1779%2C$multiply_0.3541%2C$ratio_1.777778%2C$width_1059%2C$x_0%2C$y_134/t_crop_custom/q_86%2Cf_auto/ccd8386b556a866656631e5a8a39828a24b21fb4, https://static.ffx.io/images/$zoom_1.1779%2C$multiply_0.7082%2C$ratio_1.777778%2C$width_1059%2C$x_0%2C$y_134/t_crop_custom/q_62%2Cf_auto/ccd8386b556a866656631e5a8a39828a24b21fb4 2x" data-pb-im-config="{&quot;aspectRatio&quot;:1.777778,&quot;type&quot;:&quot;landscape16x9&quot;,&quot;width&quot;:375}"/><img alt=" " class="_1MQMh" src="https://static.ffx.io/images/$zoom_1.1779%2C$multiply_0.2842%2C$ratio_1.777778%2C$width_1059%2C$x_0%2C$y_134/t_crop_custom/q_86%2Cf_auto/ccd8386b556a866656631e5a8a39828a24b21fb4" srcSet="https://static.ffx.io/images/$zoom_1.1779%2C$multiply_0.2842%2C$ratio_1.777778%2C$width_1059%2C$x_0%2C$y_134/t_crop_custom/q_86%2Cf_auto/ccd8386b556a866656631e5a8a39828a24b21fb4, https://static.ffx.io/images/$zoom_1.1779%2C$multiply_0.5685%2C$ratio_1.777778%2C$width_1059%2C$x_0%2C$y_134/t_crop_custom/q_62%2Cf_auto/ccd8386b556a866656631e5a8a39828a24b21fb4 2x"/></picture></div></a></figure><div class="_1YzQk"><div class="_3XK8N"><h5 class="_1XJ15" data-pb-type="tg"><a href="/topic/investing-1st">Investing</a></h5></div><h3 class="_2XVos" data-testid="article-headline" data-pb-type="hl"><a data-testid="article-link" href="/money/investing/buy-a-home-or-invest-in-super-the-dilemma-facing-older-renters-20241108-p5kp06.html">Buy a home or invest in super? The dilemma facing older renters</a></h3><ul class="_4J-LJ" data-pb-type="au"><li class="_2DPTm"><span class="_3JtGQ">by </span><span><span data-testid="byline">Dominic Powell</span></span></li></ul></div></div></div><div class="_1W_85"><div class="_15r1L _1Wer5 _3TEmE _44Hw1 _3xxC7" data-an-position="3" data-testid="story-tile" data-pb-type="st"><figure class="XmCQH" data-pb-type="im"><a tabindex="-1" data-testid="article-link" href="/money/investing/racehorse-investing-on-the-rise-as-punters-try-to-back-a-winner-20241104-p5kno4.html"><div class="_1hWPs _3-Mzw _2Q3hh _1UL7U"><picture class=""><source media="(min-width: 1024px)" srcSet="https://static.ffx.io/images/$zoom_0.7794%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_790%2C$y_127/t_crop_custom/q_86%2Cf_auto/e9c013e18a5e30933396073ff1dab1806b51bb14, https://static.ffx.io/images/$zoom_0.7794%2C$multiply_0.5079%2C$ratio_1%2C$width_378%2C$x_790%2C$y_127/t_crop_custom/q_62%2Cf_auto/e9c013e18a5e30933396073ff1dab1806b51bb14 2x" data-pb-im-config="{&quot;aspectRatio&quot;:1,&quot;type&quot;:&quot;square1x1&quot;,&quot;width&quot;:96}"/><source media="(min-width: 768px)" srcSet="https://static.ffx.io/images/$zoom_0.7794%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_790%2C$y_127/t_crop_custom/q_86%2Cf_auto/e9c013e18a5e30933396073ff1dab1806b51bb14, https://static.ffx.io/images/$zoom_0.7794%2C$multiply_0.5079%2C$ratio_1%2C$width_378%2C$x_790%2C$y_127/t_crop_custom/q_62%2Cf_auto/e9c013e18a5e30933396073ff1dab1806b51bb14 2x" data-pb-im-config="{&quot;aspectRatio&quot;:1,&quot;type&quot;:&quot;square1x1&quot;,&quot;width&quot;:96}"/><img alt="Sydney’s Mark Lowe decided to buy a small share in a racehorse 16 years ago. Today he’s in syndications for 24 racehorses." class="_1MQMh" src="https://static.ffx.io/images/$zoom_0.7794%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_790%2C$y_127/t_crop_custom/q_86%2Cf_auto/e9c013e18a5e30933396073ff1dab1806b51bb14" srcSet="https://static.ffx.io/images/$zoom_0.7794%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_790%2C$y_127/t_crop_custom/q_86%2Cf_auto/e9c013e18a5e30933396073ff1dab1806b51bb14, https://static.ffx.io/images/$zoom_0.7794%2C$multiply_0.5079%2C$ratio_1%2C$width_378%2C$x_790%2C$y_127/t_crop_custom/q_62%2Cf_auto/e9c013e18a5e30933396073ff1dab1806b51bb14 2x"/></picture></div></a></figure><div class="_1YzQk"><div class="_3XK8N"><h5 class="_1XJ15" data-pb-type="tg"><a href="/topic/horse-racing-1n6g">Horse racing</a></h5></div><h3 class="_2XVos" data-testid="article-headline" data-pb-type="hl"><a data-testid="article-link" href="/money/investing/racehorse-investing-on-the-rise-as-punters-try-to-back-a-winner-20241104-p5kno4.html">Racehorse investing on the rise as punters try to back a winner</a></h3><ul class="_4J-LJ" data-pb-type="au"><li class="_2DPTm"><span class="_3JtGQ">by </span><span><span data-testid="byline">Nina Hendy</span></span></li></ul></div></div><div class="_15r1L _1Wer5 _3TEmE _44Hw1 _3xxC7" data-an-position="4" data-testid="story-tile" data-pb-type="st"><figure class="XmCQH" data-pb-type="im"><a tabindex="-1" data-testid="article-link" href="/money/investing/what-should-our-nephew-do-with-our-21-000-gift-20241025-p5klas.html"><div class="_1hWPs _3-Mzw _2Q3hh _1UL7U"><picture class=""><source media="(min-width: 1024px)" srcSet="https://static.ffx.io/images/$zoom_0.1096%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_155%2C$y_0/t_crop_custom/q_86%2Cf_auto/3079375783baa46bc058e3710c856651698670f5, https://static.ffx.io/images/$zoom_0.1096%2C$multiply_0.5079%2C$ratio_1%2C$width_378%2C$x_155%2C$y_0/t_crop_custom/q_62%2Cf_auto/3079375783baa46bc058e3710c856651698670f5 2x" data-pb-im-config="{&quot;aspectRatio&quot;:1,&quot;type&quot;:&quot;square1x1&quot;,&quot;width&quot;:96}"/><source media="(min-width: 768px)" srcSet="https://static.ffx.io/images/$zoom_0.1096%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_155%2C$y_0/t_crop_custom/q_86%2Cf_auto/3079375783baa46bc058e3710c856651698670f5, https://static.ffx.io/images/$zoom_0.1096%2C$multiply_0.5079%2C$ratio_1%2C$width_378%2C$x_155%2C$y_0/t_crop_custom/q_62%2Cf_auto/3079375783baa46bc058e3710c856651698670f5 2x" data-pb-im-config="{&quot;aspectRatio&quot;:1,&quot;type&quot;:&quot;square1x1&quot;,&quot;width&quot;:96}"/><img alt="Locking your gift away inside the First Home Super Savers scheme would be a smart move for your nephew." class="_1MQMh" src="https://static.ffx.io/images/$zoom_0.1096%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_155%2C$y_0/t_crop_custom/q_86%2Cf_auto/3079375783baa46bc058e3710c856651698670f5" srcSet="https://static.ffx.io/images/$zoom_0.1096%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_155%2C$y_0/t_crop_custom/q_86%2Cf_auto/3079375783baa46bc058e3710c856651698670f5, https://static.ffx.io/images/$zoom_0.1096%2C$multiply_0.5079%2C$ratio_1%2C$width_378%2C$x_155%2C$y_0/t_crop_custom/q_62%2Cf_auto/3079375783baa46bc058e3710c856651698670f5 2x"/></picture></div></a></figure><div class="_1YzQk"><div class="_3XK8N"><h5 class="_2EuJH" data-testid="label" data-pb-type="lb">Opinion</h5><h5 class="_1XJ15" data-pb-type="tg"><a href="/topic/ask-an-expert-1qi">Ask an expert</a></h5></div><h3 class="_2XVos" data-testid="article-headline" data-pb-type="hl"><a data-testid="article-link" href="/money/investing/what-should-our-nephew-do-with-our-21-000-gift-20241025-p5klas.html">What should our nephew do with our $21,000 gift?</a></h3><ul class="_4J-LJ" data-pb-type="au"><li class="_2DPTm"><span class="_3JtGQ">by </span><span><span data-testid="byline">Paul Benson</span></span></li></ul></div></div><div class="_15r1L _1Wer5 _3TEmE _44Hw1 _3xxC7" data-an-position="5" data-testid="story-tile" data-pb-type="st"><figure class="XmCQH" data-pb-type="im"><a tabindex="-1" data-testid="article-link" href="/money/investing/why-we-need-to-make-the-asx-great-again-20240925-p5kdex.html"><div class="_1hWPs _3-Mzw _2Q3hh _1UL7U"><picture class=""><source media="(min-width: 1024px)" srcSet="https://static.ffx.io/images/$zoom_0.1143%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_0%2C$y_17/t_crop_custom/q_86%2Cf_auto/6b4bd18cb59c8e5b499698e5c4ed6efc7823f3dd, https://static.ffx.io/images/$zoom_0.1143%2C$multiply_0.5079%2C$ratio_1%2C$width_378%2C$x_0%2C$y_17/t_crop_custom/q_62%2Cf_auto/6b4bd18cb59c8e5b499698e5c4ed6efc7823f3dd 2x" data-pb-im-config="{&quot;aspectRatio&quot;:1,&quot;type&quot;:&quot;square1x1&quot;,&quot;width&quot;:96}"/><source media="(min-width: 768px)" srcSet="https://static.ffx.io/images/$zoom_0.1143%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_0%2C$y_17/t_crop_custom/q_86%2Cf_auto/6b4bd18cb59c8e5b499698e5c4ed6efc7823f3dd, https://static.ffx.io/images/$zoom_0.1143%2C$multiply_0.5079%2C$ratio_1%2C$width_378%2C$x_0%2C$y_17/t_crop_custom/q_62%2Cf_auto/6b4bd18cb59c8e5b499698e5c4ed6efc7823f3dd 2x" data-pb-im-config="{&quot;aspectRatio&quot;:1,&quot;type&quot;:&quot;square1x1&quot;,&quot;width&quot;:96}"/><img alt=" XXX" class="_1MQMh" src="https://static.ffx.io/images/$zoom_0.1143%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_0%2C$y_17/t_crop_custom/q_86%2Cf_auto/6b4bd18cb59c8e5b499698e5c4ed6efc7823f3dd" srcSet="https://static.ffx.io/images/$zoom_0.1143%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_0%2C$y_17/t_crop_custom/q_86%2Cf_auto/6b4bd18cb59c8e5b499698e5c4ed6efc7823f3dd, https://static.ffx.io/images/$zoom_0.1143%2C$multiply_0.5079%2C$ratio_1%2C$width_378%2C$x_0%2C$y_17/t_crop_custom/q_62%2Cf_auto/6b4bd18cb59c8e5b499698e5c4ed6efc7823f3dd 2x"/></picture></div></a></figure><div class="_1YzQk"><div class="_3XK8N"><h5 class="_2EuJH" data-testid="label" data-pb-type="lb">Opinion</h5><h5 class="_1XJ15" data-pb-type="tg"><a href="/topic/sharemarket-61t">Sharemarket</a></h5></div><h3 class="_2XVos" data-testid="article-headline" data-pb-type="hl"><a data-testid="article-link" href="/money/investing/why-we-need-to-make-the-asx-great-again-20240925-p5kdex.html">Why we need to make the ASX great again</a></h3><ul class="_4J-LJ" data-pb-type="au"><li class="_2DPTm"><span class="_3JtGQ">by </span><span><span data-testid="byline">William Bennett</span></span></li></ul></div></div></div></div></div></div></section><div class="container"><div class="adWrapper _2UMq- _2emtx noPrint" data-testid="ad"><small class="_3ToRr">Advertisement</small><div class="" id="adspot-160x600_300x250_300x600-pos3-desktop"></div></div></div><div class="_26mvh _3wLK8"><section class="_3HIxc _297xI _3U0Iv cMu-d" data-an-name="Borrowing &amp; saving" data-pb-type="cu" data-contentunit-id="290" data-testid="borrowing-&amp;-saving-strap"><header class="iBWLf"><h2 class="_1F8c8" data-pb-type="hi">Borrowing &amp; saving</h2></header><div class=""><div class="_1beOO"><div class="_15r1L _1Wer5 _3TEmE _3FJrM _1ixpy _1Cu9V" data-an-position="1" data-testid="story-tile" data-pb-type="st"><figure class="XmCQH" data-pb-type="im"><a tabindex="-1" data-testid="article-link" href="/money/saving/are-you-a-financial-late-starter-here-s-how-to-catch-up-20241120-p5ks8v.html"><div class="_1hWPs _2f0dW _2Q3hh _1UL7U"><picture class=""><source media="(min-width: 1024px)" srcSet="https://static.ffx.io/images/$zoom_0.42675698560541914%2C$multiply_0.1905%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/626cc2ab335bc9b0dd26b59cd89be98725585aac, https://static.ffx.io/images/$zoom_0.42675698560541914%2C$multiply_0.381%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_62%2Cf_auto/626cc2ab335bc9b0dd26b59cd89be98725585aac 2x" data-pb-im-config="{&quot;aspectRatio&quot;:1.5,&quot;type&quot;:&quot;landscape3x2&quot;,&quot;width&quot;:144}"/><source media="(min-width: 768px)" srcSet="https://static.ffx.io/images/$zoom_0.3201%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_2%2C$y_0/t_crop_custom/q_86%2Cf_auto/626cc2ab335bc9b0dd26b59cd89be98725585aac, https://static.ffx.io/images/$zoom_0.3201%2C$multiply_0.5079%2C$ratio_1%2C$width_378%2C$x_2%2C$y_0/t_crop_custom/q_62%2Cf_auto/626cc2ab335bc9b0dd26b59cd89be98725585aac 2x" data-pb-im-config="{&quot;aspectRatio&quot;:1,&quot;type&quot;:&quot;square1x1&quot;,&quot;width&quot;:96}"/><img alt="If you’ve hit your 30s and still don’t have a solid financial foundation, fear not." class="_1MQMh" src="https://static.ffx.io/images/$zoom_0.3201%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_2%2C$y_0/t_crop_custom/q_86%2Cf_auto/626cc2ab335bc9b0dd26b59cd89be98725585aac" srcSet="https://static.ffx.io/images/$zoom_0.3201%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_2%2C$y_0/t_crop_custom/q_86%2Cf_auto/626cc2ab335bc9b0dd26b59cd89be98725585aac, https://static.ffx.io/images/$zoom_0.3201%2C$multiply_0.5079%2C$ratio_1%2C$width_378%2C$x_2%2C$y_0/t_crop_custom/q_62%2Cf_auto/626cc2ab335bc9b0dd26b59cd89be98725585aac 2x"/></picture></div></a></figure><div class="_1YzQk"><div class="_3XK8N"><h5 class="_2EuJH" data-testid="label" data-pb-type="lb">Opinion</h5><h5 class="_1XJ15" data-pb-type="tg"><a href="/topic/hip-pocket-1mrl">Hip pocket</a></h5></div><h3 class="_2XVos" data-testid="article-headline" data-pb-type="hl"><a data-testid="article-link" href="/money/saving/are-you-a-financial-late-starter-here-s-how-to-catch-up-20241120-p5ks8v.html">Are you a financial late starter? 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class="_1XJ15" data-pb-type="tg"><a href="/topic/hip-pocket-1mrl">Hip pocket</a></h5></div><h3 class="_2XVos" data-testid="article-headline" data-pb-type="hl"><a data-testid="article-link" href="/money/saving/all-present-and-accounted-for-how-to-cut-the-cost-of-christmas-gifts-20241114-p5kqr1.html">All present and accounted for: How to cut the cost of Christmas gifts</a></h3><ul class="_4J-LJ" data-pb-type="au"><li class="_2DPTm"><span class="_3JtGQ">by </span><span><span data-testid="byline">Dominic Powell</span></span></li></ul></div></div></div></div></section><section class="_3HIxc _297xI _3U0Iv cMu-d" data-an-name="Also in Money" data-pb-type="cu" data-contentunit-id="291" data-testid="also-in-money-strap"><header class="iBWLf"><h2 class="_1F8c8" data-pb-type="hi">Also in Money</h2></header><div class=""><div class="_1beOO"><div class="_15r1L _1Wer5 _3TEmE _3FJrM _1ixpy _1Cu9V" data-an-position="1" data-testid="story-tile" data-pb-type="st"><figure class="XmCQH" 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