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href="/business/your-money/sarah-wells-financial-burnout-is-real-and-its-a-growing-problem-heres-how-to-spot-signs-and-fight-back-c-17791500"><div class="css-suds4x-CardTextContainer e1i4kfgp3"><div class="e1i4kfgp0 css-vuciei-StyledText-StyledHeroCardText e1w8lw9x10"><h2 class="Card-Headline css-vx14m1-StyledHeadline e1w8lw9x9"><span class="css-1lc8609-StyledKicker e1jes824"><span class="css-1p6fa63-StyledKickerText e1jes823">Your Money</span><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 55 49" class="StyledCommentsIcon css-101fbvt-StyledCommentsIcon e1jes821"><title>Comments</title><path d="M54 24.5v-11C54 6.4 48.4 1 41.4 1H13.6C6.6 1 1 6.6 1 13.4v11.1c0 6.9 5.6 12.4 12.6 12.4h1.3v9.7c0 1.2 1.6 1.9 2.4 1l10.8-10.7h13.3c7 0 12.6-5.5 12.6-12.4"></path></svg><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 260 260" class="css-14uybzh-StyledPremiumIcon e1jes822" role="img"><title>Premium</title><defs><linearGradient id="f1-ico-prem" x1="83.6%" x2="15.9%" y1="16.4%" y2="84.1%"><stop offset="0%" stop-color="#043DE2"></stop><stop offset="100%" stop-color="#1257E0"></stop></linearGradient><linearGradient id="f2-ico-prem" x1="104.4%" x2="3.3%" y1="4.3%" y2="104.9%"><stop offset="0%" stop-color="#F400AB"></stop><stop offset="100%" stop-color="#AA01E1"></stop></linearGradient></defs><path fill="url(#f1-ico-prem)" d="M216.6 124.8c-.7-15.5-7.4-20.4-12.4-23.4s-11-5.2-31.8-5.2c-12.4 0-16-12.3-16-22.2 0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.3 20.3 12.3 23.3 5 3 11.1 5.2 31.8 5.2 12.5 0 16 12.3 16 22.2 0 10-1.2 18 6 26.5a33 33 0 0 0 23.7 10.5h1s14-.3 22.6-10.5c7.3-8.6 6-16.6 6-26.5 0-9.9 3.6-22.2 16-22.2 20.7 0 26.8-2.2 31.8-5.2s11.7-7.9 12.4-23.3v-2-1.8z"></path><path fill="url(#f2-ico-prem)" d="M156.4 74c0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.2 20.2 12.3 23.3 5.8 3.5 14.4 5.4 31.8 5.2 29.5-.3 75.3-48.4 75.3-83.1z"></path></svg></span><span class="css-249bft-StyledHeadlineText e1w8lw9x7"><span>Financial burnout is real, and it’s a growing problem</span></span></h2><p class="css-pb0uo2-StyledTeaser e1w8lw9x6">In an era defined by relentless pressures and the demand to achieve more with diminishing resources, a subtle yet pervasive phenomenon is taking hold: financial burnout. Here’s how to fight back.</p></div><div class="CardByline css-15y6luw-StyledByline ebzp2e48"><p class="CardByline-Text css-102194g-StyledBylineText ebzp2e47">Sarah Wells</p></div></div><div class="StyledSierraHeroCard e1i4kfgp2 Card-Media css-x5agld-StyledMedia-StyledHeroCardMedia e1m2h3dd6"><div class="Card-Media-Content css-1gbeyhl-StyledMediaContent e1m2h3dd8"><picture class="image css-sbuqo5-PictureWithIntrinsicRatio eosncpx0"><source data-ratio="16:9" media="(min-width: 0px)" srcSet="https://images.thewest.com.au/publication/C-17791500/531b2f99ff77709beb9b78d8ecfc9b4e97292db8-16x9-x0y209w4000h2250.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-17791500/531b2f99ff77709beb9b78d8ecfc9b4e97292db8-16x9-x0y209w4000h2250.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-17791500/531b2f99ff77709beb9b78d8ecfc9b4e97292db8-16x9-x0y209w4000h2250.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-17791500/531b2f99ff77709beb9b78d8ecfc9b4e97292db8-16x9-x0y209w4000h2250.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-17791500/531b2f99ff77709beb9b78d8ecfc9b4e97292db8-16x9-x0y209w4000h2250.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-17791500/531b2f99ff77709beb9b78d8ecfc9b4e97292db8-16x9-x0y209w4000h2250.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-17791500/531b2f99ff77709beb9b78d8ecfc9b4e97292db8-16x9-x0y209w4000h2250.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-17791500/531b2f99ff77709beb9b78d8ecfc9b4e97292db8-16x9-x0y209w4000h2250.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-17791500/531b2f99ff77709beb9b78d8ecfc9b4e97292db8-16x9-x0y209w4000h2250.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 100vw,(min-width: 768px) and (max-width: 1020px) 25vw,469px"/><img src="https://images.thewest.com.au/publication/C-17791500/531b2f99ff77709beb9b78d8ecfc9b4e97292db8-16x9-x0y209w4000h2250.jpg?imwidth=469&impolicy=wan_v3" alt="The confluence of our modern responsibilities, coupled with the escalating costs of living, creates fertile ground for the weight of bills, debts and seemingly unattainable savings goals to grow into an insurmountable burden." class="css-16r7l45-StyledImage en5ut4d0" height="2250" width="2250"/></picture></div></div></a></div></div><div class="portraitCardContainer css-8ip9zg-SierraCardContainer elqm4kc0"><div class="css-1ls5bi3-StyledPortrait ew7cd2s5" data-topic="business/your-money"><a class="css-3jr1s7-StyledLink-StyledLink ew7cd2s4" href="/business/your-money/nick-bruining-heres-how-to-make-the-most-of-the-2m-transfer-balance-cap-for-superannuation--c-17790660"><div class="ew7cd2s3 Card-Media css-dhvyq9-StyledMedia-StyledCardMedia e1m2h3dd6"><div class="Card-Media-Content css-1gbeyhl-StyledMediaContent e1m2h3dd8"><picture class="image css-q2ve4i-PictureWithIntrinsicRatio eosncpx0"><source data-ratio="16:9" media="(min-width: 768px)" srcSet="https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-16x9-x269y1268w1058h595.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-16x9-x269y1268w1058h595.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-16x9-x269y1268w1058h595.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-16x9-x269y1268w1058h595.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-16x9-x269y1268w1058h595.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-16x9-x269y1268w1058h595.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-16x9-x269y1268w1058h595.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-16x9-x269y1268w1058h595.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-16x9-x269y1268w1058h595.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 100vw,(min-width: 768px) and (max-width: 1020px) 100vw,313px"/><source data-ratio="4:3" media="(max-width: 767px)" srcSet="https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-4x3-x307y1107w985h739.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-4x3-x307y1107w985h739.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-4x3-x307y1107w985h739.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-4x3-x307y1107w985h739.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-4x3-x307y1107w985h739.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-4x3-x307y1107w985h739.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-4x3-x307y1107w985h739.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-4x3-x307y1107w985h739.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-4x3-x307y1107w985h739.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 100vw,(min-width: 768px) and (max-width: 1020px) 100vw,313px"/><img src="https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-16x9-x269y1268w1058h595.jpg?imwidth=313&impolicy=wan_v3" alt="The transfer balance cap is the amount of money that can be transferred from superannuation in the taxed accumulation phase to the tax-free retirement or pension phase. " class="css-16r7l45-StyledImage en5ut4d0" loading="lazy" height="595" width="595"/><noscript><img src="https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-16x9-x269y1268w1058h595.jpg?imwidth=313&impolicy=wan_v3" alt="The transfer balance cap is the amount of money that can be transferred from superannuation in the taxed accumulation phase to the tax-free retirement or pension phase. " class="css-tl044d-StyledNoScriptImage-StyledImage eu9mom10" /></noscript></picture></div></div><div class="ew7cd2s2 css-vra353-StyledText-StyledCardText e1w8lw9x10"><h2 class="Card-Headline css-eq0ra1-StyledHeadline e1w8lw9x9"><span class="css-1lc8609-StyledKicker e1jes824"><span class="css-1p6fa63-StyledKickerText e1jes823">Your Money</span><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 55 49" class="StyledCommentsIcon css-101fbvt-StyledCommentsIcon e1jes821"><title>Comments</title><path d="M54 24.5v-11C54 6.4 48.4 1 41.4 1H13.6C6.6 1 1 6.6 1 13.4v11.1c0 6.9 5.6 12.4 12.6 12.4h1.3v9.7c0 1.2 1.6 1.9 2.4 1l10.8-10.7h13.3c7 0 12.6-5.5 12.6-12.4"></path></svg><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 260 260" class="css-14uybzh-StyledPremiumIcon e1jes822" role="img"><title>Premium</title><defs><linearGradient id="f1-ico-prem" x1="83.6%" x2="15.9%" y1="16.4%" y2="84.1%"><stop offset="0%" stop-color="#043DE2"></stop><stop offset="100%" stop-color="#1257E0"></stop></linearGradient><linearGradient id="f2-ico-prem" x1="104.4%" x2="3.3%" y1="4.3%" y2="104.9%"><stop offset="0%" stop-color="#F400AB"></stop><stop offset="100%" stop-color="#AA01E1"></stop></linearGradient></defs><path fill="url(#f1-ico-prem)" d="M216.6 124.8c-.7-15.5-7.4-20.4-12.4-23.4s-11-5.2-31.8-5.2c-12.4 0-16-12.3-16-22.2 0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.3 20.3 12.3 23.3 5 3 11.1 5.2 31.8 5.2 12.5 0 16 12.3 16 22.2 0 10-1.2 18 6 26.5a33 33 0 0 0 23.7 10.5h1s14-.3 22.6-10.5c7.3-8.6 6-16.6 6-26.5 0-9.9 3.6-22.2 16-22.2 20.7 0 26.8-2.2 31.8-5.2s11.7-7.9 12.4-23.3v-2-1.8z"></path><path fill="url(#f2-ico-prem)" d="M156.4 74c0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.2 20.2 12.3 23.3 5.8 3.5 14.4 5.4 31.8 5.2 29.5-.3 75.3-48.4 75.3-83.1z"></path></svg></span><span class="css-249bft-StyledHeadlineText e1w8lw9x7"><span>Two million reasons to celebrate if you’re near retirement</span></span></h2><p class="css-titsrd-StyledTeaser e1w8lw9x6">It’s been all but confirmed — Australians are set to see a $100,000 increase in the amount of money they can invest in an environment that’s completely tax-free. Here’s how to take advantage of the new limit.</p></div><div class="ew7cd2s1 CardByline css-19jihdr-StyledByline-StyledCardByline ebzp2e48"><p class="CardByline-Text css-102194g-StyledBylineText ebzp2e47">Nick Bruining</p></div></a></div></div></div></div><div class="css-1n5cxhf-StyledLima elndtzg4"><div class="css-hzanzy-StyledGridItem elndtzg1"><div class="css-1ls5bi3-StyledPortrait ew7cd2s5" data-topic="business/your-money"><a class="css-4yofy7-StyledLink-StyledLink ew7cd2s4" href="/business/your-money/nick-bruining-the-magic-loan-to-value-number-that-could-get-you-a-super-refinancing-deal-on-your-mortgage-c-17789612"><div class="ew7cd2s3 Card-Media css-1icnwod-StyledMedia-StyledCardMedia e1m2h3dd6"><div class="Card-Media-Content css-1gbeyhl-StyledMediaContent e1m2h3dd8"><picture class="image css-q2ve4i-PictureWithIntrinsicRatio eosncpx0"><source data-ratio="16:9" media="(min-width: 768px)" srcSet="https://images.thewest.com.au/publication/C-17789612/a15bfcc9ef861c1f656ed8d3b7e682323affcbec-16x9-x203y712w6048h3402.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-17789612/a15bfcc9ef861c1f656ed8d3b7e682323affcbec-16x9-x203y712w6048h3402.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-17789612/a15bfcc9ef861c1f656ed8d3b7e682323affcbec-16x9-x203y712w6048h3402.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-17789612/a15bfcc9ef861c1f656ed8d3b7e682323affcbec-16x9-x203y712w6048h3402.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-17789612/a15bfcc9ef861c1f656ed8d3b7e682323affcbec-16x9-x203y712w6048h3402.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-17789612/a15bfcc9ef861c1f656ed8d3b7e682323affcbec-16x9-x203y712w6048h3402.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-17789612/a15bfcc9ef861c1f656ed8d3b7e682323affcbec-16x9-x203y712w6048h3402.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-17789612/a15bfcc9ef861c1f656ed8d3b7e682323affcbec-16x9-x203y712w6048h3402.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-17789612/a15bfcc9ef861c1f656ed8d3b7e682323affcbec-16x9-x203y712w6048h3402.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 100vw,(min-width: 768px) and (max-width: 1020px) 50vw,313px"/><source data-ratio="4:3" media="(max-width: 767px)" srcSet="https://images.thewest.com.au/publication/C-17789612/a15bfcc9ef861c1f656ed8d3b7e682323affcbec-4x3-x1094y782w4412h3309.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-17789612/a15bfcc9ef861c1f656ed8d3b7e682323affcbec-4x3-x1094y782w4412h3309.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-17789612/a15bfcc9ef861c1f656ed8d3b7e682323affcbec-4x3-x1094y782w4412h3309.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-17789612/a15bfcc9ef861c1f656ed8d3b7e682323affcbec-4x3-x1094y782w4412h3309.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-17789612/a15bfcc9ef861c1f656ed8d3b7e682323affcbec-4x3-x1094y782w4412h3309.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-17789612/a15bfcc9ef861c1f656ed8d3b7e682323affcbec-4x3-x1094y782w4412h3309.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-17789612/a15bfcc9ef861c1f656ed8d3b7e682323affcbec-4x3-x1094y782w4412h3309.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-17789612/a15bfcc9ef861c1f656ed8d3b7e682323affcbec-4x3-x1094y782w4412h3309.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-17789612/a15bfcc9ef861c1f656ed8d3b7e682323affcbec-4x3-x1094y782w4412h3309.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 100vw,(min-width: 768px) and (max-width: 1020px) 50vw,313px"/><img src="https://images.thewest.com.au/publication/C-17789612/a15bfcc9ef861c1f656ed8d3b7e682323affcbec-16x9-x203y712w6048h3402.jpg?imwidth=313&impolicy=wan_v3" alt="The RBA has finally cut interest rates, and now is the time to hassle your bank for a better home loan deal. And there’s one magic number they want to hear that could get you a cracking new rate. " class="css-16r7l45-StyledImage en5ut4d0" loading="lazy" height="3402" width="3402"/><noscript><img src="https://images.thewest.com.au/publication/C-17789612/a15bfcc9ef861c1f656ed8d3b7e682323affcbec-16x9-x203y712w6048h3402.jpg?imwidth=313&impolicy=wan_v3" alt="The RBA has finally cut interest rates, and now is the time to hassle your bank for a better home loan deal. And there’s one magic number they want to hear that could get you a cracking new rate. " class="css-tl044d-StyledNoScriptImage-StyledImage eu9mom10" /></noscript></picture></div></div><div class="ew7cd2s2 css-5s3171-StyledText-StyledCardText e1w8lw9x10"><h2 class="Card-Headline css-5u59ij-StyledHeadline e1w8lw9x9"><span class="css-1lc8609-StyledKicker e1jes824"><span class="css-1p6fa63-StyledKickerText e1jes823">Your Money</span><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 55 49" class="StyledCommentsIcon css-101fbvt-StyledCommentsIcon e1jes821"><title>Comments</title><path d="M54 24.5v-11C54 6.4 48.4 1 41.4 1H13.6C6.6 1 1 6.6 1 13.4v11.1c0 6.9 5.6 12.4 12.6 12.4h1.3v9.7c0 1.2 1.6 1.9 2.4 1l10.8-10.7h13.3c7 0 12.6-5.5 12.6-12.4"></path></svg><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 260 260" class="css-14uybzh-StyledPremiumIcon e1jes822" role="img"><title>Premium</title><defs><linearGradient id="f1-ico-prem" x1="83.6%" x2="15.9%" y1="16.4%" y2="84.1%"><stop offset="0%" stop-color="#043DE2"></stop><stop offset="100%" stop-color="#1257E0"></stop></linearGradient><linearGradient id="f2-ico-prem" x1="104.4%" x2="3.3%" y1="4.3%" y2="104.9%"><stop offset="0%" stop-color="#F400AB"></stop><stop offset="100%" stop-color="#AA01E1"></stop></linearGradient></defs><path fill="url(#f1-ico-prem)" d="M216.6 124.8c-.7-15.5-7.4-20.4-12.4-23.4s-11-5.2-31.8-5.2c-12.4 0-16-12.3-16-22.2 0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.3 20.3 12.3 23.3 5 3 11.1 5.2 31.8 5.2 12.5 0 16 12.3 16 22.2 0 10-1.2 18 6 26.5a33 33 0 0 0 23.7 10.5h1s14-.3 22.6-10.5c7.3-8.6 6-16.6 6-26.5 0-9.9 3.6-22.2 16-22.2 20.7 0 26.8-2.2 31.8-5.2s11.7-7.9 12.4-23.3v-2-1.8z"></path><path fill="url(#f2-ico-prem)" d="M156.4 74c0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.2 20.2 12.3 23.3 5.8 3.5 14.4 5.4 31.8 5.2 29.5-.3 75.3-48.4 75.3-83.1z"></path></svg></span><span class="css-249bft-StyledHeadlineText e1w8lw9x7"><span>This magic number will get you a super home loan rate </span></span></h2><p class="css-pb0uo2-StyledTeaser e1w8lw9x6">The RBA has finally cut interest rates and now is the time to hassle your bank for a better home loan deal. And there’s one magic number they want to hear that could get you a cracking new rate. </p></div><div class="ew7cd2s1 CardByline css-8ail66-StyledByline-StyledCardByline ebzp2e48"><p class="CardByline-Text css-102194g-StyledBylineText ebzp2e47">Nick Bruining</p></div></a></div></div><div class="css-hzanzy-StyledGridItem elndtzg1"><div class="css-1ls5bi3-StyledPortrait ew7cd2s5" data-topic="business/your-money"><a class="css-4yofy7-StyledLink-StyledLink ew7cd2s4" href="/business/your-money/nick-bruining-qa-was-goldstate-superannuation-is-safe-as-houses-so-be-careful-before-you-shake-it-up-c-17777868"><div class="ew7cd2s3 Card-Media css-1icnwod-StyledMedia-StyledCardMedia e1m2h3dd6"><div class="Card-Media-Content css-1gbeyhl-StyledMediaContent e1m2h3dd8"><picture class="image css-q2ve4i-PictureWithIntrinsicRatio eosncpx0"><source data-ratio="16:9" media="(min-width: 768px)" srcSet="https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-16x9-x39y2187w1174h661.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-16x9-x39y2187w1174h661.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-16x9-x39y2187w1174h661.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-16x9-x39y2187w1174h661.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-16x9-x39y2187w1174h661.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-16x9-x39y2187w1174h661.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-16x9-x39y2187w1174h661.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-16x9-x39y2187w1174h661.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-16x9-x39y2187w1174h661.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 100vw,(min-width: 768px) and (max-width: 1020px) 50vw,313px"/><source data-ratio="4:3" media="(max-width: 767px)" srcSet="https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-4x3-x169y2113w979h735.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-4x3-x169y2113w979h735.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-4x3-x169y2113w979h735.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-4x3-x169y2113w979h735.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-4x3-x169y2113w979h735.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-4x3-x169y2113w979h735.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-4x3-x169y2113w979h735.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-4x3-x169y2113w979h735.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-4x3-x169y2113w979h735.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 100vw,(min-width: 768px) and (max-width: 1020px) 50vw,313px"/><img src="https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-16x9-x39y2187w1174h661.jpg?imwidth=313&impolicy=wan_v3" alt="WA’s coveted GoldState superannuation scheme for public sector workers offers government-backed returns. But an adviser’s suggestion for shift the bulk of a former teacher’s savings seems a risky strategy." class="css-16r7l45-StyledImage en5ut4d0" loading="lazy" height="661" width="661"/><noscript><img src="https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-16x9-x39y2187w1174h661.jpg?imwidth=313&impolicy=wan_v3" alt="WA’s coveted GoldState superannuation scheme for public sector workers offers government-backed returns. But an adviser’s suggestion for shift the bulk of a former teacher’s savings seems a risky strategy." class="css-tl044d-StyledNoScriptImage-StyledImage eu9mom10" /></noscript></picture></div></div><div class="ew7cd2s2 css-5s3171-StyledText-StyledCardText e1w8lw9x10"><h2 class="Card-Headline css-5u59ij-StyledHeadline e1w8lw9x9"><span class="css-1lc8609-StyledKicker e1jes824"><span class="css-1p6fa63-StyledKickerText e1jes823">Bruining Q+A</span><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 55 49" class="StyledCommentsIcon css-101fbvt-StyledCommentsIcon e1jes821"><title>Comments</title><path d="M54 24.5v-11C54 6.4 48.4 1 41.4 1H13.6C6.6 1 1 6.6 1 13.4v11.1c0 6.9 5.6 12.4 12.6 12.4h1.3v9.7c0 1.2 1.6 1.9 2.4 1l10.8-10.7h13.3c7 0 12.6-5.5 12.6-12.4"></path></svg><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 260 260" class="css-14uybzh-StyledPremiumIcon e1jes822" role="img"><title>Premium</title><defs><linearGradient id="f1-ico-prem" x1="83.6%" x2="15.9%" y1="16.4%" y2="84.1%"><stop offset="0%" stop-color="#043DE2"></stop><stop offset="100%" stop-color="#1257E0"></stop></linearGradient><linearGradient id="f2-ico-prem" x1="104.4%" x2="3.3%" y1="4.3%" y2="104.9%"><stop offset="0%" stop-color="#F400AB"></stop><stop offset="100%" stop-color="#AA01E1"></stop></linearGradient></defs><path fill="url(#f1-ico-prem)" d="M216.6 124.8c-.7-15.5-7.4-20.4-12.4-23.4s-11-5.2-31.8-5.2c-12.4 0-16-12.3-16-22.2 0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.3 20.3 12.3 23.3 5 3 11.1 5.2 31.8 5.2 12.5 0 16 12.3 16 22.2 0 10-1.2 18 6 26.5a33 33 0 0 0 23.7 10.5h1s14-.3 22.6-10.5c7.3-8.6 6-16.6 6-26.5 0-9.9 3.6-22.2 16-22.2 20.7 0 26.8-2.2 31.8-5.2s11.7-7.9 12.4-23.3v-2-1.8z"></path><path fill="url(#f2-ico-prem)" d="M156.4 74c0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.2 20.2 12.3 23.3 5.8 3.5 14.4 5.4 31.8 5.2 29.5-.3 75.3-48.4 75.3-83.1z"></path></svg></span><span class="css-249bft-StyledHeadlineText e1w8lw9x7"><span>Stop! Do not let that money adviser touch your life savings</span></span></h2><p class="css-pb0uo2-StyledTeaser e1w8lw9x6">Q+A: WA’s coveted GoldState superannuation scheme for public sector workers offers government-backed returns. But an adviser’s suggestion to shift the bulk of a former teacher’s savings seems a risky strategy.</p></div><div class="ew7cd2s1 CardByline css-8ail66-StyledByline-StyledCardByline ebzp2e48"><p class="CardByline-Text css-102194g-StyledBylineText ebzp2e47">Nick Bruining</p></div></a></div></div><div class="css-hzanzy-StyledGridItem elndtzg1"><div class="css-1ls5bi3-StyledPortrait ew7cd2s5" data-topic="business/your-money"><a class="css-4yofy7-StyledLink-StyledLink ew7cd2s4" href="/business/your-money/why-a-rising-number-of-singles-are-counting-the-cost-of-going-it-alone-and-how-we-can-ease-the-burden-c-17710879"><div class="ew7cd2s3 Card-Media css-1icnwod-StyledMedia-StyledCardMedia e1m2h3dd6"><div class="Card-Media-Content css-1gbeyhl-StyledMediaContent e1m2h3dd8"><picture class="image css-q2ve4i-PictureWithIntrinsicRatio eosncpx0"><source data-ratio="16:9" media="(min-width: 768px)" srcSet="https://images.thewest.com.au/publication/C-17710879/d059af02006503c89b118253f3f8082361da1ab5-16x9-x0y745w7154h4024.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-17710879/d059af02006503c89b118253f3f8082361da1ab5-16x9-x0y745w7154h4024.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-17710879/d059af02006503c89b118253f3f8082361da1ab5-16x9-x0y745w7154h4024.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-17710879/d059af02006503c89b118253f3f8082361da1ab5-16x9-x0y745w7154h4024.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-17710879/d059af02006503c89b118253f3f8082361da1ab5-16x9-x0y745w7154h4024.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-17710879/d059af02006503c89b118253f3f8082361da1ab5-16x9-x0y745w7154h4024.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-17710879/d059af02006503c89b118253f3f8082361da1ab5-16x9-x0y745w7154h4024.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-17710879/d059af02006503c89b118253f3f8082361da1ab5-16x9-x0y745w7154h4024.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-17710879/d059af02006503c89b118253f3f8082361da1ab5-16x9-x0y745w7154h4024.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 100vw,(min-width: 768px) and (max-width: 1020px) 50vw,313px"/><source data-ratio="4:3" media="(max-width: 767px)" srcSet="https://images.thewest.com.au/publication/C-17710879/d059af02006503c89b118253f3f8082361da1ab5-4x3-x866y718w5401h4051.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-17710879/d059af02006503c89b118253f3f8082361da1ab5-4x3-x866y718w5401h4051.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-17710879/d059af02006503c89b118253f3f8082361da1ab5-4x3-x866y718w5401h4051.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-17710879/d059af02006503c89b118253f3f8082361da1ab5-4x3-x866y718w5401h4051.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-17710879/d059af02006503c89b118253f3f8082361da1ab5-4x3-x866y718w5401h4051.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-17710879/d059af02006503c89b118253f3f8082361da1ab5-4x3-x866y718w5401h4051.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-17710879/d059af02006503c89b118253f3f8082361da1ab5-4x3-x866y718w5401h4051.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-17710879/d059af02006503c89b118253f3f8082361da1ab5-4x3-x866y718w5401h4051.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-17710879/d059af02006503c89b118253f3f8082361da1ab5-4x3-x866y718w5401h4051.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 100vw,(min-width: 768px) and (max-width: 1020px) 50vw,313px"/><img src="https://images.thewest.com.au/publication/C-17710879/d059af02006503c89b118253f3f8082361da1ab5-16x9-x0y745w7154h4024.jpg?imwidth=313&impolicy=wan_v3" alt="The economies of scale from being in a couple don’t just help when it comes to travelling. With the number of one-person households on the rise, the ‘singles tax’ is staring to hurt, particularly solo parents." class="css-16r7l45-StyledImage en5ut4d0" loading="lazy" height="4024" width="4024"/><noscript><img src="https://images.thewest.com.au/publication/C-17710879/d059af02006503c89b118253f3f8082361da1ab5-16x9-x0y745w7154h4024.jpg?imwidth=313&impolicy=wan_v3" alt="The economies of scale from being in a couple don’t just help when it comes to travelling. With the number of one-person households on the rise, the ‘singles tax’ is staring to hurt, particularly solo parents." class="css-tl044d-StyledNoScriptImage-StyledImage eu9mom10" /></noscript></picture></div></div><div class="ew7cd2s2 css-5s3171-StyledText-StyledCardText e1w8lw9x10"><h2 class="Card-Headline css-5u59ij-StyledHeadline e1w8lw9x9"><span class="css-1lc8609-StyledKicker e1jes824"><span class="css-1p6fa63-StyledKickerText e1jes823">Flying solo</span><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 55 49" class="StyledCommentsIcon css-101fbvt-StyledCommentsIcon e1jes821"><title>Comments</title><path d="M54 24.5v-11C54 6.4 48.4 1 41.4 1H13.6C6.6 1 1 6.6 1 13.4v11.1c0 6.9 5.6 12.4 12.6 12.4h1.3v9.7c0 1.2 1.6 1.9 2.4 1l10.8-10.7h13.3c7 0 12.6-5.5 12.6-12.4"></path></svg><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 260 260" class="css-14uybzh-StyledPremiumIcon e1jes822" role="img"><title>Premium</title><defs><linearGradient id="f1-ico-prem" x1="83.6%" x2="15.9%" y1="16.4%" y2="84.1%"><stop offset="0%" stop-color="#043DE2"></stop><stop offset="100%" stop-color="#1257E0"></stop></linearGradient><linearGradient id="f2-ico-prem" x1="104.4%" x2="3.3%" y1="4.3%" y2="104.9%"><stop offset="0%" stop-color="#F400AB"></stop><stop offset="100%" stop-color="#AA01E1"></stop></linearGradient></defs><path fill="url(#f1-ico-prem)" d="M216.6 124.8c-.7-15.5-7.4-20.4-12.4-23.4s-11-5.2-31.8-5.2c-12.4 0-16-12.3-16-22.2 0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.3 20.3 12.3 23.3 5 3 11.1 5.2 31.8 5.2 12.5 0 16 12.3 16 22.2 0 10-1.2 18 6 26.5a33 33 0 0 0 23.7 10.5h1s14-.3 22.6-10.5c7.3-8.6 6-16.6 6-26.5 0-9.9 3.6-22.2 16-22.2 20.7 0 26.8-2.2 31.8-5.2s11.7-7.9 12.4-23.3v-2-1.8z"></path><path fill="url(#f2-ico-prem)" d="M156.4 74c0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.2 20.2 12.3 23.3 5.8 3.5 14.4 5.4 31.8 5.2 29.5-.3 75.3-48.4 75.3-83.1z"></path></svg></span><span class="css-249bft-StyledHeadlineText e1w8lw9x7"><span>Rising number of singles counting the cost of going it alone</span></span></h2><p class="css-pb0uo2-StyledTeaser e1w8lw9x6">The economies of scale from being in a couple don’t just help when it comes to travelling. With the number of one-person households on the rise, the ‘singles tax’ is staring to hurt, particularly solo parents.</p></div><div class="ew7cd2s1 CardByline css-8ail66-StyledByline-StyledCardByline ebzp2e48"><p class="CardByline-Text css-102194g-StyledBylineText ebzp2e47">Alicia Bubb and Sarah Sinclair</p></div></a></div></div><div class="css-hzanzy-StyledGridItem elndtzg1"><div class="css-1ls5bi3-StyledPortrait ew7cd2s5" data-topic="business/rba"><a class="css-4yofy7-StyledLink-StyledLink ew7cd2s4" href="/business/rba/rba-interest-rates-live-updates-reserve-bank-expected-to-offer-relief-and-make-first-cut-at-february-meeting-c-17749476"><div class="ew7cd2s3 Card-Media css-1icnwod-StyledMedia-StyledCardMedia e1m2h3dd6"><div class="Card-Media-Content css-1gbeyhl-StyledMediaContent e1m2h3dd8"><picture class="image css-q2ve4i-PictureWithIntrinsicRatio eosncpx0"><source data-ratio="16:9" media="(min-width: 768px)" srcSet="https://images.thewest.com.au/publication/C-17749476/ba84a78e65cf21b0f2093f93e0c70889414d436e-16x9-x41y76w2851h1604.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-17749476/ba84a78e65cf21b0f2093f93e0c70889414d436e-16x9-x41y76w2851h1604.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-17749476/ba84a78e65cf21b0f2093f93e0c70889414d436e-16x9-x41y76w2851h1604.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-17749476/ba84a78e65cf21b0f2093f93e0c70889414d436e-16x9-x41y76w2851h1604.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-17749476/ba84a78e65cf21b0f2093f93e0c70889414d436e-16x9-x41y76w2851h1604.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-17749476/ba84a78e65cf21b0f2093f93e0c70889414d436e-16x9-x41y76w2851h1604.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-17749476/ba84a78e65cf21b0f2093f93e0c70889414d436e-16x9-x41y76w2851h1604.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-17749476/ba84a78e65cf21b0f2093f93e0c70889414d436e-16x9-x41y76w2851h1604.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-17749476/ba84a78e65cf21b0f2093f93e0c70889414d436e-16x9-x41y76w2851h1604.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 100vw,(min-width: 768px) and (max-width: 1020px) 50vw,313px"/><source data-ratio="4:3" media="(max-width: 767px)" srcSet="https://images.thewest.com.au/publication/C-17749476/ba84a78e65cf21b0f2093f93e0c70889414d436e-4x3-x272y68w2470h1853.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-17749476/ba84a78e65cf21b0f2093f93e0c70889414d436e-4x3-x272y68w2470h1853.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-17749476/ba84a78e65cf21b0f2093f93e0c70889414d436e-4x3-x272y68w2470h1853.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-17749476/ba84a78e65cf21b0f2093f93e0c70889414d436e-4x3-x272y68w2470h1853.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-17749476/ba84a78e65cf21b0f2093f93e0c70889414d436e-4x3-x272y68w2470h1853.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-17749476/ba84a78e65cf21b0f2093f93e0c70889414d436e-4x3-x272y68w2470h1853.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-17749476/ba84a78e65cf21b0f2093f93e0c70889414d436e-4x3-x272y68w2470h1853.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-17749476/ba84a78e65cf21b0f2093f93e0c70889414d436e-4x3-x272y68w2470h1853.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-17749476/ba84a78e65cf21b0f2093f93e0c70889414d436e-4x3-x272y68w2470h1853.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 100vw,(min-width: 768px) and (max-width: 1020px) 50vw,313px"/><img src="https://images.thewest.com.au/publication/C-17749476/ba84a78e65cf21b0f2093f93e0c70889414d436e-16x9-x41y76w2851h1604.jpg?imwidth=313&impolicy=wan_v3" alt="RBA governor Michele Bullock is about to hand downthe board’s decision on interest rates." class="css-16r7l45-StyledImage en5ut4d0" loading="lazy" height="1604" width="1604"/><noscript><img src="https://images.thewest.com.au/publication/C-17749476/ba84a78e65cf21b0f2093f93e0c70889414d436e-16x9-x41y76w2851h1604.jpg?imwidth=313&impolicy=wan_v3" alt="RBA governor Michele Bullock is about to hand downthe board’s decision on interest rates." class="css-tl044d-StyledNoScriptImage-StyledImage eu9mom10" /></noscript></picture></div></div><div class="ew7cd2s2 css-5s3171-StyledText-StyledCardText e1w8lw9x10"><h2 class="Card-Headline css-5u59ij-StyledHeadline e1w8lw9x9"><span class="css-1lc8609-StyledKicker e1jes824"><span class="css-1p6fa63-StyledKickerText e1jes823">RBA</span><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 55 49" class="StyledCommentsIcon css-101fbvt-StyledCommentsIcon e1jes821"><title>Comments</title><path d="M54 24.5v-11C54 6.4 48.4 1 41.4 1H13.6C6.6 1 1 6.6 1 13.4v11.1c0 6.9 5.6 12.4 12.6 12.4h1.3v9.7c0 1.2 1.6 1.9 2.4 1l10.8-10.7h13.3c7 0 12.6-5.5 12.6-12.4"></path></svg></span><span class="css-249bft-StyledHeadlineText e1w8lw9x7"><span>RECAP: Everything you need to know about today’s RBA cut</span></span></h2><p class="css-pb0uo2-StyledTeaser e1w8lw9x6">The Reserve Bank has handed out a long-awaited interest rate cut for Aussie homeowners.</p></div><div class="ew7cd2s1 CardByline css-8ail66-StyledByline-StyledCardByline ebzp2e48"><p class="CardByline-Text css-102194g-StyledBylineText ebzp2e47">Daniel Newell</p></div></a></div></div></div><div class="hide-print ad-no-notice css-svlwa0-StyledAdUnitWrapper ezkyf1c0"><div class="css-pkrrfy-StyledCenter ezkyf1c3"><div class="css-75thsc-StyledNotice ezkyf1c2"><div class="ad-mrec-parrallax css-1u74liy-StyledAdUnit ezkyf1c4"></div></div></div></div><div class="hide-print ad-no-notice css-svlwa0-StyledAdUnitWrapper ezkyf1c0"><div class="css-54rauv-StyledCenter ezkyf1c3"><div class="css-75thsc-StyledNotice ezkyf1c2"><div class="ad-billboard-leaderboard-parrallax css-1oizywe-StyledAdUnit ezkyf1c4"></div></div></div></div><div class="css-5l1g3y-StyledHeader elndtzg3"><div class="css-1ayvvco-SectionHeaderContainer e1fp214b13"><a class="css-13q0ohs-HeadingLink e1fp214b7" href="/lifestyle/personal-finance"><div class="css-5k0trs-HeadingWrapper e1fp214b8"><h2 class="css-64qlae-Heading e1fp214b10">Personal Finance</h2><span class="css-10596bk-Divider e1fp214b9"></span></div></a></div></div><div class="css-1n5cxhf-StyledLima elndtzg4"><div class="css-hzanzy-StyledGridItem elndtzg1"><div class="css-1ls5bi3-StyledPortrait ew7cd2s5" data-topic="business/your-money"><a class="css-4yofy7-StyledLink-StyledLink ew7cd2s4" href="/business/your-money/nick-bruining-wash-your-superannuation-of-tax-with-this-simple-recontribution-hack--c-16817418"><div class="ew7cd2s3 Card-Media css-1icnwod-StyledMedia-StyledCardMedia e1m2h3dd6"><div class="Card-Media-Content css-1gbeyhl-StyledMediaContent e1m2h3dd8"><picture class="image css-q2ve4i-PictureWithIntrinsicRatio eosncpx0"><source data-ratio="16:9" media="(min-width: 768px)" srcSet="https://images.thewest.com.au/publication/C-16817418/e8b885d600f527e76c6ac49ec1d82c3df90c62e9-16x9-x0y2285w3744h2106.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-16817418/e8b885d600f527e76c6ac49ec1d82c3df90c62e9-16x9-x0y2285w3744h2106.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-16817418/e8b885d600f527e76c6ac49ec1d82c3df90c62e9-16x9-x0y2285w3744h2106.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-16817418/e8b885d600f527e76c6ac49ec1d82c3df90c62e9-16x9-x0y2285w3744h2106.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-16817418/e8b885d600f527e76c6ac49ec1d82c3df90c62e9-16x9-x0y2285w3744h2106.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-16817418/e8b885d600f527e76c6ac49ec1d82c3df90c62e9-16x9-x0y2285w3744h2106.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-16817418/e8b885d600f527e76c6ac49ec1d82c3df90c62e9-16x9-x0y2285w3744h2106.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-16817418/e8b885d600f527e76c6ac49ec1d82c3df90c62e9-16x9-x0y2285w3744h2106.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-16817418/e8b885d600f527e76c6ac49ec1d82c3df90c62e9-16x9-x0y2285w3744h2106.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 100vw,(min-width: 768px) and (max-width: 1020px) 50vw,313px"/><source data-ratio="4:3" media="(max-width: 767px)" srcSet="https://images.thewest.com.au/publication/C-16817418/e8b885d600f527e76c6ac49ec1d82c3df90c62e9-4x3-x0y2022w3744h2808.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-16817418/e8b885d600f527e76c6ac49ec1d82c3df90c62e9-4x3-x0y2022w3744h2808.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-16817418/e8b885d600f527e76c6ac49ec1d82c3df90c62e9-4x3-x0y2022w3744h2808.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-16817418/e8b885d600f527e76c6ac49ec1d82c3df90c62e9-4x3-x0y2022w3744h2808.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-16817418/e8b885d600f527e76c6ac49ec1d82c3df90c62e9-4x3-x0y2022w3744h2808.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-16817418/e8b885d600f527e76c6ac49ec1d82c3df90c62e9-4x3-x0y2022w3744h2808.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-16817418/e8b885d600f527e76c6ac49ec1d82c3df90c62e9-4x3-x0y2022w3744h2808.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-16817418/e8b885d600f527e76c6ac49ec1d82c3df90c62e9-4x3-x0y2022w3744h2808.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-16817418/e8b885d600f527e76c6ac49ec1d82c3df90c62e9-4x3-x0y2022w3744h2808.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 100vw,(min-width: 768px) and (max-width: 1020px) 50vw,313px"/><img src="https://images.thewest.com.au/publication/C-16817418/e8b885d600f527e76c6ac49ec1d82c3df90c62e9-16x9-x0y2285w3744h2106.jpg?imwidth=313&impolicy=wan_v3" alt="‘Washing’ your superannuation with this easy-to-follow hack could spare your loved ones a more than $60,000 tax bill when your money passes to them." class="css-16r7l45-StyledImage en5ut4d0" loading="lazy" height="2106" width="2106"/><noscript><img src="https://images.thewest.com.au/publication/C-16817418/e8b885d600f527e76c6ac49ec1d82c3df90c62e9-16x9-x0y2285w3744h2106.jpg?imwidth=313&impolicy=wan_v3" alt="‘Washing’ your superannuation with this easy-to-follow hack could spare your loved ones a more than $60,000 tax bill when your money passes to them." class="css-tl044d-StyledNoScriptImage-StyledImage eu9mom10" /></noscript></picture></div></div><div class="ew7cd2s2 css-5s3171-StyledText-StyledCardText e1w8lw9x10"><h2 class="Card-Headline css-eq0ra1-StyledHeadline e1w8lw9x9"><span class="css-1lc8609-StyledKicker e1jes824"><span class="css-1p6fa63-StyledKickerText e1jes823">Your Money</span><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 55 49" class="StyledCommentsIcon css-101fbvt-StyledCommentsIcon e1jes821"><title>Comments</title><path d="M54 24.5v-11C54 6.4 48.4 1 41.4 1H13.6C6.6 1 1 6.6 1 13.4v11.1c0 6.9 5.6 12.4 12.6 12.4h1.3v9.7c0 1.2 1.6 1.9 2.4 1l10.8-10.7h13.3c7 0 12.6-5.5 12.6-12.4"></path></svg><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 260 260" class="css-14uybzh-StyledPremiumIcon e1jes822" role="img"><title>Premium</title><defs><linearGradient id="f1-ico-prem" x1="83.6%" x2="15.9%" y1="16.4%" y2="84.1%"><stop offset="0%" stop-color="#043DE2"></stop><stop offset="100%" stop-color="#1257E0"></stop></linearGradient><linearGradient id="f2-ico-prem" x1="104.4%" x2="3.3%" y1="4.3%" y2="104.9%"><stop offset="0%" stop-color="#F400AB"></stop><stop offset="100%" stop-color="#AA01E1"></stop></linearGradient></defs><path fill="url(#f1-ico-prem)" d="M216.6 124.8c-.7-15.5-7.4-20.4-12.4-23.4s-11-5.2-31.8-5.2c-12.4 0-16-12.3-16-22.2 0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.3 20.3 12.3 23.3 5 3 11.1 5.2 31.8 5.2 12.5 0 16 12.3 16 22.2 0 10-1.2 18 6 26.5a33 33 0 0 0 23.7 10.5h1s14-.3 22.6-10.5c7.3-8.6 6-16.6 6-26.5 0-9.9 3.6-22.2 16-22.2 20.7 0 26.8-2.2 31.8-5.2s11.7-7.9 12.4-23.3v-2-1.8z"></path><path fill="url(#f2-ico-prem)" d="M156.4 74c0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.2 20.2 12.3 23.3 5.8 3.5 14.4 5.4 31.8 5.2 29.5-.3 75.3-48.4 75.3-83.1z"></path></svg></span><span class="css-249bft-StyledHeadlineText e1w8lw9x7"><span>Here’s how to scrub a $61,200 tax bill from your super</span></span></h2><p class="css-pb0uo2-StyledTeaser e1w8lw9x6">‘Washing’ your superannuation with this easy-to-follow hack could spare your loved ones a more than $60,000 tax bill when your money passes to them.</p></div><div class="ew7cd2s1 CardByline css-8ail66-StyledByline-StyledCardByline ebzp2e48"><p class="CardByline-Text css-102194g-StyledBylineText ebzp2e47">Nick Bruining</p></div></a></div></div><div class="css-hzanzy-StyledGridItem elndtzg1"><div class="css-1ls5bi3-StyledPortrait ew7cd2s5" data-topic="business/your-money"><a class="css-4yofy7-StyledLink-StyledLink ew7cd2s4" href="/business/your-money/nick-bruining-qa-how-division-293-tax-liabilities-work-and-how-you-can-avoid-them-c-16816616"><div class="ew7cd2s3 Card-Media css-1icnwod-StyledMedia-StyledCardMedia e1m2h3dd6"><div class="Card-Media-Content css-1gbeyhl-StyledMediaContent e1m2h3dd8"><picture class="image css-q2ve4i-PictureWithIntrinsicRatio eosncpx0"><source data-ratio="16:9" media="(min-width: 768px)" srcSet="https://images.thewest.com.au/publication/C-16816616/7bc5aa8e201b34cc2e8965de4f980c6a86d9ca14-16x9-x144y647w5268h2963.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-16816616/7bc5aa8e201b34cc2e8965de4f980c6a86d9ca14-16x9-x144y647w5268h2963.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-16816616/7bc5aa8e201b34cc2e8965de4f980c6a86d9ca14-16x9-x144y647w5268h2963.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-16816616/7bc5aa8e201b34cc2e8965de4f980c6a86d9ca14-16x9-x144y647w5268h2963.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-16816616/7bc5aa8e201b34cc2e8965de4f980c6a86d9ca14-16x9-x144y647w5268h2963.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-16816616/7bc5aa8e201b34cc2e8965de4f980c6a86d9ca14-16x9-x144y647w5268h2963.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-16816616/7bc5aa8e201b34cc2e8965de4f980c6a86d9ca14-16x9-x144y647w5268h2963.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-16816616/7bc5aa8e201b34cc2e8965de4f980c6a86d9ca14-16x9-x144y647w5268h2963.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-16816616/7bc5aa8e201b34cc2e8965de4f980c6a86d9ca14-16x9-x144y647w5268h2963.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 100vw,(min-width: 768px) and (max-width: 1020px) 50vw,313px"/><source data-ratio="4:3" media="(max-width: 767px)" srcSet="https://images.thewest.com.au/publication/C-16816616/7bc5aa8e201b34cc2e8965de4f980c6a86d9ca14-4x3-x421y453w4751h3563.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-16816616/7bc5aa8e201b34cc2e8965de4f980c6a86d9ca14-4x3-x421y453w4751h3563.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-16816616/7bc5aa8e201b34cc2e8965de4f980c6a86d9ca14-4x3-x421y453w4751h3563.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-16816616/7bc5aa8e201b34cc2e8965de4f980c6a86d9ca14-4x3-x421y453w4751h3563.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-16816616/7bc5aa8e201b34cc2e8965de4f980c6a86d9ca14-4x3-x421y453w4751h3563.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-16816616/7bc5aa8e201b34cc2e8965de4f980c6a86d9ca14-4x3-x421y453w4751h3563.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-16816616/7bc5aa8e201b34cc2e8965de4f980c6a86d9ca14-4x3-x421y453w4751h3563.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-16816616/7bc5aa8e201b34cc2e8965de4f980c6a86d9ca14-4x3-x421y453w4751h3563.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-16816616/7bc5aa8e201b34cc2e8965de4f980c6a86d9ca14-4x3-x421y453w4751h3563.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 100vw,(min-width: 768px) and (max-width: 1020px) 50vw,313px"/><img src="https://images.thewest.com.au/publication/C-16816616/7bc5aa8e201b34cc2e8965de4f980c6a86d9ca14-16x9-x144y647w5268h2963.jpg?imwidth=313&impolicy=wan_v3" alt="How did someone with an income of $56,000 cope an extra $3900 tax bill that is supposed to be just for big earners? This super silly mistake could have been easily avoided. Here’s how ..." class="css-16r7l45-StyledImage en5ut4d0" loading="lazy" height="2963" width="2963"/><noscript><img src="https://images.thewest.com.au/publication/C-16816616/7bc5aa8e201b34cc2e8965de4f980c6a86d9ca14-16x9-x144y647w5268h2963.jpg?imwidth=313&impolicy=wan_v3" alt="How did someone with an income of $56,000 cope an extra $3900 tax bill that is supposed to be just for big earners? This super silly mistake could have been easily avoided. Here’s how ..." class="css-tl044d-StyledNoScriptImage-StyledImage eu9mom10" /></noscript></picture></div></div><div class="ew7cd2s2 css-5s3171-StyledText-StyledCardText e1w8lw9x10"><h2 class="Card-Headline css-eq0ra1-StyledHeadline e1w8lw9x9"><span class="css-1lc8609-StyledKicker e1jes824"><span class="css-1p6fa63-StyledKickerText e1jes823">Bruining Q+A</span><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 55 49" class="StyledCommentsIcon css-101fbvt-StyledCommentsIcon e1jes821"><title>Comments</title><path d="M54 24.5v-11C54 6.4 48.4 1 41.4 1H13.6C6.6 1 1 6.6 1 13.4v11.1c0 6.9 5.6 12.4 12.6 12.4h1.3v9.7c0 1.2 1.6 1.9 2.4 1l10.8-10.7h13.3c7 0 12.6-5.5 12.6-12.4"></path></svg><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 260 260" class="css-14uybzh-StyledPremiumIcon e1jes822" role="img"><title>Premium</title><defs><linearGradient id="f1-ico-prem" x1="83.6%" x2="15.9%" y1="16.4%" y2="84.1%"><stop offset="0%" stop-color="#043DE2"></stop><stop offset="100%" stop-color="#1257E0"></stop></linearGradient><linearGradient id="f2-ico-prem" x1="104.4%" x2="3.3%" y1="4.3%" y2="104.9%"><stop offset="0%" stop-color="#F400AB"></stop><stop offset="100%" stop-color="#AA01E1"></stop></linearGradient></defs><path fill="url(#f1-ico-prem)" d="M216.6 124.8c-.7-15.5-7.4-20.4-12.4-23.4s-11-5.2-31.8-5.2c-12.4 0-16-12.3-16-22.2 0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.3 20.3 12.3 23.3 5 3 11.1 5.2 31.8 5.2 12.5 0 16 12.3 16 22.2 0 10-1.2 18 6 26.5a33 33 0 0 0 23.7 10.5h1s14-.3 22.6-10.5c7.3-8.6 6-16.6 6-26.5 0-9.9 3.6-22.2 16-22.2 20.7 0 26.8-2.2 31.8-5.2s11.7-7.9 12.4-23.3v-2-1.8z"></path><path fill="url(#f2-ico-prem)" d="M156.4 74c0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.2 20.2 12.3 23.3 5.8 3.5 14.4 5.4 31.8 5.2 29.5-.3 75.3-48.4 75.3-83.1z"></path></svg></span><span class="css-249bft-StyledHeadlineText e1w8lw9x7"><span>One simple super move that could have wiped out big tax bill</span></span></h2><p class="css-pb0uo2-StyledTeaser e1w8lw9x6">Q+A: How did someone with an income of $56,000 cope with an extra $3900 tax bill that is supposed to be just for uber-earners? This super-silly mistake could have been easily avoided. Here’s how ...</p></div><div class="ew7cd2s1 CardByline css-8ail66-StyledByline-StyledCardByline ebzp2e48"><p class="CardByline-Text css-102194g-StyledBylineText ebzp2e47">Nick Bruining </p></div></a></div></div><div class="css-hzanzy-StyledGridItem elndtzg1"><div class="css-1ls5bi3-StyledPortrait ew7cd2s5" data-topic="business/your-money"><a class="css-4yofy7-StyledLink-StyledLink ew7cd2s4" href="/business/your-money/nick-bruining-refundable-accommodation-deposit-ceiling-for-aged-care-rooms-to-rise-to-750000-on-january-1-c-16817355"><div class="ew7cd2s3 Card-Media css-1icnwod-StyledMedia-StyledCardMedia e1m2h3dd6"><div class="Card-Media-Content css-1gbeyhl-StyledMediaContent e1m2h3dd8"><picture class="image css-q2ve4i-PictureWithIntrinsicRatio eosncpx0"><source data-ratio="16:9" media="(min-width: 768px)" srcSet="https://images.thewest.com.au/publication/C-16817355/d41ac3f5bc9b7d6bdfca52f4570ed03b80ef34ce-16x9-x0y0w3840h2160.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-16817355/d41ac3f5bc9b7d6bdfca52f4570ed03b80ef34ce-16x9-x0y0w3840h2160.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-16817355/d41ac3f5bc9b7d6bdfca52f4570ed03b80ef34ce-16x9-x0y0w3840h2160.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-16817355/d41ac3f5bc9b7d6bdfca52f4570ed03b80ef34ce-16x9-x0y0w3840h2160.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-16817355/d41ac3f5bc9b7d6bdfca52f4570ed03b80ef34ce-16x9-x0y0w3840h2160.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-16817355/d41ac3f5bc9b7d6bdfca52f4570ed03b80ef34ce-16x9-x0y0w3840h2160.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-16817355/d41ac3f5bc9b7d6bdfca52f4570ed03b80ef34ce-16x9-x0y0w3840h2160.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-16817355/d41ac3f5bc9b7d6bdfca52f4570ed03b80ef34ce-16x9-x0y0w3840h2160.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-16817355/d41ac3f5bc9b7d6bdfca52f4570ed03b80ef34ce-16x9-x0y0w3840h2160.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 100vw,(min-width: 768px) and (max-width: 1020px) 50vw,313px"/><source data-ratio="4:3" media="(max-width: 767px)" srcSet="https://images.thewest.com.au/publication/C-16817355/d41ac3f5bc9b7d6bdfca52f4570ed03b80ef34ce-4x3-x480y0w2880h2160.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-16817355/d41ac3f5bc9b7d6bdfca52f4570ed03b80ef34ce-4x3-x480y0w2880h2160.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-16817355/d41ac3f5bc9b7d6bdfca52f4570ed03b80ef34ce-4x3-x480y0w2880h2160.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-16817355/d41ac3f5bc9b7d6bdfca52f4570ed03b80ef34ce-4x3-x480y0w2880h2160.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-16817355/d41ac3f5bc9b7d6bdfca52f4570ed03b80ef34ce-4x3-x480y0w2880h2160.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-16817355/d41ac3f5bc9b7d6bdfca52f4570ed03b80ef34ce-4x3-x480y0w2880h2160.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-16817355/d41ac3f5bc9b7d6bdfca52f4570ed03b80ef34ce-4x3-x480y0w2880h2160.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-16817355/d41ac3f5bc9b7d6bdfca52f4570ed03b80ef34ce-4x3-x480y0w2880h2160.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-16817355/d41ac3f5bc9b7d6bdfca52f4570ed03b80ef34ce-4x3-x480y0w2880h2160.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 100vw,(min-width: 768px) and (max-width: 1020px) 50vw,313px"/><img src="https://images.thewest.com.au/publication/C-16817355/d41ac3f5bc9b7d6bdfca52f4570ed03b80ef34ce-16x9-x0y0w3840h2160.jpg?imwidth=313&impolicy=wan_v3" alt="The price of an aged care room for Mum or Dad is about to increase by a whopping $200,000. And that’s not the only big change coming to the system." class="css-16r7l45-StyledImage en5ut4d0" loading="lazy" height="2160" width="2160"/><noscript><img src="https://images.thewest.com.au/publication/C-16817355/d41ac3f5bc9b7d6bdfca52f4570ed03b80ef34ce-16x9-x0y0w3840h2160.jpg?imwidth=313&impolicy=wan_v3" alt="The price of an aged care room for Mum or Dad is about to increase by a whopping $200,000. And that’s not the only big change coming to the system." class="css-tl044d-StyledNoScriptImage-StyledImage eu9mom10" /></noscript></picture></div></div><div class="ew7cd2s2 css-5s3171-StyledText-StyledCardText e1w8lw9x10"><h2 class="Card-Headline css-eq0ra1-StyledHeadline e1w8lw9x9"><span class="css-1lc8609-StyledKicker e1jes824"><span class="css-1p6fa63-StyledKickerText e1jes823">Your Money</span><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 55 49" class="StyledCommentsIcon css-101fbvt-StyledCommentsIcon e1jes821"><title>Comments</title><path d="M54 24.5v-11C54 6.4 48.4 1 41.4 1H13.6C6.6 1 1 6.6 1 13.4v11.1c0 6.9 5.6 12.4 12.6 12.4h1.3v9.7c0 1.2 1.6 1.9 2.4 1l10.8-10.7h13.3c7 0 12.6-5.5 12.6-12.4"></path></svg><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 260 260" class="css-14uybzh-StyledPremiumIcon e1jes822" role="img"><title>Premium</title><defs><linearGradient id="f1-ico-prem" x1="83.6%" x2="15.9%" y1="16.4%" y2="84.1%"><stop offset="0%" stop-color="#043DE2"></stop><stop offset="100%" stop-color="#1257E0"></stop></linearGradient><linearGradient id="f2-ico-prem" x1="104.4%" x2="3.3%" y1="4.3%" y2="104.9%"><stop offset="0%" stop-color="#F400AB"></stop><stop offset="100%" stop-color="#AA01E1"></stop></linearGradient></defs><path fill="url(#f1-ico-prem)" d="M216.6 124.8c-.7-15.5-7.4-20.4-12.4-23.4s-11-5.2-31.8-5.2c-12.4 0-16-12.3-16-22.2 0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.3 20.3 12.3 23.3 5 3 11.1 5.2 31.8 5.2 12.5 0 16 12.3 16 22.2 0 10-1.2 18 6 26.5a33 33 0 0 0 23.7 10.5h1s14-.3 22.6-10.5c7.3-8.6 6-16.6 6-26.5 0-9.9 3.6-22.2 16-22.2 20.7 0 26.8-2.2 31.8-5.2s11.7-7.9 12.4-23.3v-2-1.8z"></path><path fill="url(#f2-ico-prem)" d="M156.4 74c0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.2 20.2 12.3 23.3 5.8 3.5 14.4 5.4 31.8 5.2 29.5-.3 75.3-48.4 75.3-83.1z"></path></svg></span><span class="css-249bft-StyledHeadlineText e1w8lw9x7"><span>Why the cost of an aged care room is about to jump by $200k</span></span></h2><p class="css-pb0uo2-StyledTeaser e1w8lw9x6">The price of an aged care room for Mum or Dad is about to increase by a whopping $200,000. And that’s not the only big change coming to the system.</p></div><div class="ew7cd2s1 CardByline css-8ail66-StyledByline-StyledCardByline ebzp2e48"><p class="CardByline-Text css-102194g-StyledBylineText ebzp2e47">Nick Bruining </p></div></a></div></div><div class="css-hzanzy-StyledGridItem elndtzg1"><div class="LandscapeCard css-z1zgmr-getLandscapeWrapperTag e1smopwg9" data-topic="business/your-money"><a class="css-1k4mfjg-StyledLink-StyledLandscapeLink e1smopwg8" href="/business/your-money/nick-bruining-give-away-some-cash-and-centrelink-could-deliver-you-a-very-merry-christmas-c-16748824"><div class="e1smopwg4 Card-Media css-3dstgt-StyledMedia-StyledMedia e1m2h3dd6"><div class="Card-Media-Content css-1gbeyhl-StyledMediaContent e1m2h3dd8"><picture class="image css-pqz47z-PictureWithIntrinsicRatio eosncpx0"><source data-ratio="4:3" media="(min-width: 0px)" srcSet="https://images.thewest.com.au/publication/C-16748824/fda2c93f5ab903a255baa64647e986518d496d24-4x3-x1603y610w4316h3237.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-16748824/fda2c93f5ab903a255baa64647e986518d496d24-4x3-x1603y610w4316h3237.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-16748824/fda2c93f5ab903a255baa64647e986518d496d24-4x3-x1603y610w4316h3237.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-16748824/fda2c93f5ab903a255baa64647e986518d496d24-4x3-x1603y610w4316h3237.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-16748824/fda2c93f5ab903a255baa64647e986518d496d24-4x3-x1603y610w4316h3237.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-16748824/fda2c93f5ab903a255baa64647e986518d496d24-4x3-x1603y610w4316h3237.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-16748824/fda2c93f5ab903a255baa64647e986518d496d24-4x3-x1603y610w4316h3237.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-16748824/fda2c93f5ab903a255baa64647e986518d496d24-4x3-x1603y610w4316h3237.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-16748824/fda2c93f5ab903a255baa64647e986518d496d24-4x3-x1603y610w4316h3237.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 110px,(min-width: 768px) and (max-width: 1020px) 95px,140px"/><img src="https://images.thewest.com.au/publication/C-16748824/fda2c93f5ab903a255baa64647e986518d496d24-4x3-x1603y610w4316h3237.jpg?imwidth=140&impolicy=wan_v3" alt="Part-pensioners with account-based pension funds might want to use the silly season to spread the wealth and share some of their recent gains ... and boost their pension." class="css-16r7l45-StyledImage en5ut4d0" loading="lazy" height="3375" width="3375"/><noscript><img src="https://images.thewest.com.au/publication/C-16748824/fda2c93f5ab903a255baa64647e986518d496d24-4x3-x1603y610w4316h3237.jpg?imwidth=140&impolicy=wan_v3" alt="Part-pensioners with account-based pension funds might want to use the silly season to spread the wealth and share some of their recent gains ... and boost their pension." class="css-tl044d-StyledNoScriptImage-StyledImage eu9mom10" /></noscript></picture></div></div><div class="css-1ph55xy-StyledHeader e1smopwg7"><h2 class="e1smopwg6 Card-Headline css-3p030j-StyledHeadline-StyledHeadline e1w8lw9x9"><span class="css-u7n7hy-StyledKicker e1jes824"><span class="css-1p6fa63-StyledKickerText e1jes823">Your Money</span><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 55 49" class="StyledCommentsIcon css-101fbvt-StyledCommentsIcon e1jes821"><title>Comments</title><path d="M54 24.5v-11C54 6.4 48.4 1 41.4 1H13.6C6.6 1 1 6.6 1 13.4v11.1c0 6.9 5.6 12.4 12.6 12.4h1.3v9.7c0 1.2 1.6 1.9 2.4 1l10.8-10.7h13.3c7 0 12.6-5.5 12.6-12.4"></path></svg><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 260 260" class="css-14uybzh-StyledPremiumIcon e1jes822" role="img"><title>Premium</title><defs><linearGradient id="f1-ico-prem" x1="83.6%" x2="15.9%" y1="16.4%" y2="84.1%"><stop offset="0%" stop-color="#043DE2"></stop><stop offset="100%" stop-color="#1257E0"></stop></linearGradient><linearGradient id="f2-ico-prem" x1="104.4%" x2="3.3%" y1="4.3%" y2="104.9%"><stop offset="0%" stop-color="#F400AB"></stop><stop offset="100%" stop-color="#AA01E1"></stop></linearGradient></defs><path fill="url(#f1-ico-prem)" d="M216.6 124.8c-.7-15.5-7.4-20.4-12.4-23.4s-11-5.2-31.8-5.2c-12.4 0-16-12.3-16-22.2 0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.3 20.3 12.3 23.3 5 3 11.1 5.2 31.8 5.2 12.5 0 16 12.3 16 22.2 0 10-1.2 18 6 26.5a33 33 0 0 0 23.7 10.5h1s14-.3 22.6-10.5c7.3-8.6 6-16.6 6-26.5 0-9.9 3.6-22.2 16-22.2 20.7 0 26.8-2.2 31.8-5.2s11.7-7.9 12.4-23.3v-2-1.8z"></path><path fill="url(#f2-ico-prem)" d="M156.4 74c0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.2 20.2 12.3 23.3 5.8 3.5 14.4 5.4 31.8 5.2 29.5-.3 75.3-48.4 75.3-83.1z"></path></svg></span><span class="e1smopwg6 css-tnw37f-StyledHeadlineText-StyledHeadline e1w8lw9x7"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 55 49" class="e1w8lw9x3 StyledCommentsIcon css-i91420-StyledCommentsIcon-StyledCommentsIcon e1jes821"><title>Comments</title><path d="M54 24.5v-11C54 6.4 48.4 1 41.4 1H13.6C6.6 1 1 6.6 1 13.4v11.1c0 6.9 5.6 12.4 12.6 12.4h1.3v9.7c0 1.2 1.6 1.9 2.4 1l10.8-10.7h13.3c7 0 12.6-5.5 12.6-12.4"></path></svg><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 260 260" class="css-nxh6zq-StyledPremiumIcon e1w8lw9x4" role="img"><title>Premium</title><defs><linearGradient id="f1-ico-prem" x1="83.6%" x2="15.9%" y1="16.4%" y2="84.1%"><stop offset="0%" stop-color="#043DE2"></stop><stop offset="100%" stop-color="#1257E0"></stop></linearGradient><linearGradient id="f2-ico-prem" x1="104.4%" x2="3.3%" y1="4.3%" y2="104.9%"><stop offset="0%" stop-color="#F400AB"></stop><stop offset="100%" stop-color="#AA01E1"></stop></linearGradient></defs><path fill="url(#f1-ico-prem)" d="M216.6 124.8c-.7-15.5-7.4-20.4-12.4-23.4s-11-5.2-31.8-5.2c-12.4 0-16-12.3-16-22.2 0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.3 20.3 12.3 23.3 5 3 11.1 5.2 31.8 5.2 12.5 0 16 12.3 16 22.2 0 10-1.2 18 6 26.5a33 33 0 0 0 23.7 10.5h1s14-.3 22.6-10.5c7.3-8.6 6-16.6 6-26.5 0-9.9 3.6-22.2 16-22.2 20.7 0 26.8-2.2 31.8-5.2s11.7-7.9 12.4-23.3v-2-1.8z"></path><path fill="url(#f2-ico-prem)" d="M156.4 74c0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.2 20.2 12.3 23.3 5.8 3.5 14.4 5.4 31.8 5.2 29.5-.3 75.3-48.4 75.3-83.1z"></path></svg><span>Give away cash and Centrelink can give you a merry Christmas</span></span></h2><p class="e1smopwg3 css-1j4td8d-StyledTeaser-StyledTeaser e1w8lw9x6">Part-pensioners with account-based pension funds might want to use the silly season to spread the wealth and share some of their recent gains ... and boost their pension.</p><div class="css-1t57q22-StyledInlineWrapper e1smopwg0"></div></div></a></div><div class="LandscapeCard css-z1zgmr-getLandscapeWrapperTag e1smopwg9" data-topic="business/your-money"><a class="css-1k4mfjg-StyledLink-StyledLandscapeLink e1smopwg8" href="/business/your-money/nick-bruining-qa-your-younger-husbands-income-reducing-your-centrelink-age-pension-get-a-job-c-16738496"><div class="e1smopwg4 Card-Media css-3dstgt-StyledMedia-StyledMedia e1m2h3dd6"><div class="Card-Media-Content css-1gbeyhl-StyledMediaContent e1m2h3dd8"><picture class="image css-pqz47z-PictureWithIntrinsicRatio eosncpx0"><source data-ratio="4:3" media="(min-width: 0px)" srcSet="https://images.thewest.com.au/publication/C-16738496/1626654e5626a4a1fdffdf67964cb3c7102d339f-4x3-x188y0w2033h1525.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-16738496/1626654e5626a4a1fdffdf67964cb3c7102d339f-4x3-x188y0w2033h1525.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-16738496/1626654e5626a4a1fdffdf67964cb3c7102d339f-4x3-x188y0w2033h1525.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-16738496/1626654e5626a4a1fdffdf67964cb3c7102d339f-4x3-x188y0w2033h1525.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-16738496/1626654e5626a4a1fdffdf67964cb3c7102d339f-4x3-x188y0w2033h1525.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-16738496/1626654e5626a4a1fdffdf67964cb3c7102d339f-4x3-x188y0w2033h1525.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-16738496/1626654e5626a4a1fdffdf67964cb3c7102d339f-4x3-x188y0w2033h1525.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-16738496/1626654e5626a4a1fdffdf67964cb3c7102d339f-4x3-x188y0w2033h1525.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-16738496/1626654e5626a4a1fdffdf67964cb3c7102d339f-4x3-x188y0w2033h1525.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 110px,(min-width: 768px) and (max-width: 1020px) 95px,140px"/><img src="https://images.thewest.com.au/publication/C-16738496/1626654e5626a4a1fdffdf67964cb3c7102d339f-4x3-x188y0w2033h1525.jpg?imwidth=140&impolicy=wan_v3" alt="What happens if one half of a couple is eligible for an age pension but the other is still working? It’s not good news for the retiree, but there might be a way to ease the financial pain. Here’s how . . . " class="css-16r7l45-StyledImage en5ut4d0" loading="lazy" height="1126" width="1126"/><noscript><img src="https://images.thewest.com.au/publication/C-16738496/1626654e5626a4a1fdffdf67964cb3c7102d339f-4x3-x188y0w2033h1525.jpg?imwidth=140&impolicy=wan_v3" alt="What happens if one half of a couple is eligible for an age pension but the other is still working? It’s not good news for the retiree, but there might be a way to ease the financial pain. Here’s how . . . " class="css-tl044d-StyledNoScriptImage-StyledImage eu9mom10" /></noscript></picture></div></div><div class="css-1ph55xy-StyledHeader e1smopwg7"><h2 class="e1smopwg6 Card-Headline css-3p030j-StyledHeadline-StyledHeadline e1w8lw9x9"><span class="css-u7n7hy-StyledKicker e1jes824"><span class="css-1p6fa63-StyledKickerText e1jes823">Bruining Q+A</span><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 55 49" class="StyledCommentsIcon css-101fbvt-StyledCommentsIcon e1jes821"><title>Comments</title><path d="M54 24.5v-11C54 6.4 48.4 1 41.4 1H13.6C6.6 1 1 6.6 1 13.4v11.1c0 6.9 5.6 12.4 12.6 12.4h1.3v9.7c0 1.2 1.6 1.9 2.4 1l10.8-10.7h13.3c7 0 12.6-5.5 12.6-12.4"></path></svg><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 260 260" class="css-14uybzh-StyledPremiumIcon e1jes822" role="img"><title>Premium</title><defs><linearGradient id="f1-ico-prem" x1="83.6%" x2="15.9%" y1="16.4%" y2="84.1%"><stop offset="0%" stop-color="#043DE2"></stop><stop offset="100%" stop-color="#1257E0"></stop></linearGradient><linearGradient id="f2-ico-prem" x1="104.4%" x2="3.3%" y1="4.3%" y2="104.9%"><stop offset="0%" stop-color="#F400AB"></stop><stop offset="100%" stop-color="#AA01E1"></stop></linearGradient></defs><path fill="url(#f1-ico-prem)" d="M216.6 124.8c-.7-15.5-7.4-20.4-12.4-23.4s-11-5.2-31.8-5.2c-12.4 0-16-12.3-16-22.2 0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.3 20.3 12.3 23.3 5 3 11.1 5.2 31.8 5.2 12.5 0 16 12.3 16 22.2 0 10-1.2 18 6 26.5a33 33 0 0 0 23.7 10.5h1s14-.3 22.6-10.5c7.3-8.6 6-16.6 6-26.5 0-9.9 3.6-22.2 16-22.2 20.7 0 26.8-2.2 31.8-5.2s11.7-7.9 12.4-23.3v-2-1.8z"></path><path fill="url(#f2-ico-prem)" d="M156.4 74c0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.2 20.2 12.3 23.3 5.8 3.5 14.4 5.4 31.8 5.2 29.5-.3 75.3-48.4 75.3-83.1z"></path></svg></span><span class="e1smopwg6 css-tnw37f-StyledHeadlineText-StyledHeadline e1w8lw9x7"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 55 49" class="e1w8lw9x3 StyledCommentsIcon css-i91420-StyledCommentsIcon-StyledCommentsIcon e1jes821"><title>Comments</title><path d="M54 24.5v-11C54 6.4 48.4 1 41.4 1H13.6C6.6 1 1 6.6 1 13.4v11.1c0 6.9 5.6 12.4 12.6 12.4h1.3v9.7c0 1.2 1.6 1.9 2.4 1l10.8-10.7h13.3c7 0 12.6-5.5 12.6-12.4"></path></svg><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 260 260" class="css-nxh6zq-StyledPremiumIcon e1w8lw9x4" role="img"><title>Premium</title><defs><linearGradient id="f1-ico-prem" x1="83.6%" x2="15.9%" y1="16.4%" y2="84.1%"><stop offset="0%" stop-color="#043DE2"></stop><stop offset="100%" stop-color="#1257E0"></stop></linearGradient><linearGradient id="f2-ico-prem" x1="104.4%" x2="3.3%" y1="4.3%" y2="104.9%"><stop offset="0%" stop-color="#F400AB"></stop><stop offset="100%" stop-color="#AA01E1"></stop></linearGradient></defs><path fill="url(#f1-ico-prem)" d="M216.6 124.8c-.7-15.5-7.4-20.4-12.4-23.4s-11-5.2-31.8-5.2c-12.4 0-16-12.3-16-22.2 0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.3 20.3 12.3 23.3 5 3 11.1 5.2 31.8 5.2 12.5 0 16 12.3 16 22.2 0 10-1.2 18 6 26.5a33 33 0 0 0 23.7 10.5h1s14-.3 22.6-10.5c7.3-8.6 6-16.6 6-26.5 0-9.9 3.6-22.2 16-22.2 20.7 0 26.8-2.2 31.8-5.2s11.7-7.9 12.4-23.3v-2-1.8z"></path><path fill="url(#f2-ico-prem)" d="M156.4 74c0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.2 20.2 12.3 23.3 5.8 3.5 14.4 5.4 31.8 5.2 29.5-.3 75.3-48.4 75.3-83.1z"></path></svg><span>Help! My younger husband is draining my age pension!</span></span></h2><p class="e1smopwg3 css-1j4td8d-StyledTeaser-StyledTeaser e1w8lw9x6">Q+A: What happens if one half of a couple is eligible for an age pension but the other is still working? It’s not good news for the retiree, but there might be a way to ease the financial pain. Here’s how . . .</p><div class="css-1t57q22-StyledInlineWrapper e1smopwg0"></div></div></a></div><div class="LandscapeCard css-z1zgmr-getLandscapeWrapperTag e1smopwg9" data-topic="business/rba"><a class="css-1k4mfjg-StyledLink-StyledLandscapeLink e1smopwg8" href="/business/rba/reserve-bank-of-australia-interest-rate-on-hold-due-to-spending-labour-productivity-and-the-global-economy-c-16799587"><div class="e1smopwg4 Card-Media css-3dstgt-StyledMedia-StyledMedia e1m2h3dd6"><div class="Card-Media-Content css-1gbeyhl-StyledMediaContent e1m2h3dd8"><picture class="image css-pqz47z-PictureWithIntrinsicRatio eosncpx0"><source data-ratio="4:3" media="(min-width: 0px)" srcSet="https://images.thewest.com.au/publication/C-16799587/ad2d29223aa04ff18fc3001f55a57f294b5d7194-4x3-x463y0w2880h2160.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-16799587/ad2d29223aa04ff18fc3001f55a57f294b5d7194-4x3-x463y0w2880h2160.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-16799587/ad2d29223aa04ff18fc3001f55a57f294b5d7194-4x3-x463y0w2880h2160.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-16799587/ad2d29223aa04ff18fc3001f55a57f294b5d7194-4x3-x463y0w2880h2160.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-16799587/ad2d29223aa04ff18fc3001f55a57f294b5d7194-4x3-x463y0w2880h2160.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-16799587/ad2d29223aa04ff18fc3001f55a57f294b5d7194-4x3-x463y0w2880h2160.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-16799587/ad2d29223aa04ff18fc3001f55a57f294b5d7194-4x3-x463y0w2880h2160.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-16799587/ad2d29223aa04ff18fc3001f55a57f294b5d7194-4x3-x463y0w2880h2160.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-16799587/ad2d29223aa04ff18fc3001f55a57f294b5d7194-4x3-x463y0w2880h2160.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 110px,(min-width: 768px) and (max-width: 1020px) 95px,140px"/><img src="https://images.thewest.com.au/publication/C-16799587/ad2d29223aa04ff18fc3001f55a57f294b5d7194-4x3-x463y0w2880h2160.jpg?imwidth=140&impolicy=wan_v3" alt="The RBA disappointed punters when it left rates on hold at 4.35 per cent shortly before the Melbourne Cup was run, making it a full year since rate relief." class="css-16r7l45-StyledImage en5ut4d0" loading="lazy" height="2160" width="2160"/><noscript><img src="https://images.thewest.com.au/publication/C-16799587/ad2d29223aa04ff18fc3001f55a57f294b5d7194-4x3-x463y0w2880h2160.jpg?imwidth=140&impolicy=wan_v3" alt="The RBA disappointed punters when it left rates on hold at 4.35 per cent shortly before the Melbourne Cup was run, making it a full year since rate relief." class="css-tl044d-StyledNoScriptImage-StyledImage eu9mom10" /></noscript></picture></div></div><div class="css-1ph55xy-StyledHeader e1smopwg7"><h2 class="e1smopwg6 Card-Headline css-3p030j-StyledHeadline-StyledHeadline e1w8lw9x9"><span class="css-u7n7hy-StyledKicker e1jes824"><span class="css-1p6fa63-StyledKickerText e1jes823">RBA</span><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 55 49" class="StyledCommentsIcon css-101fbvt-StyledCommentsIcon e1jes821"><title>Comments</title><path d="M54 24.5v-11C54 6.4 48.4 1 41.4 1H13.6C6.6 1 1 6.6 1 13.4v11.1c0 6.9 5.6 12.4 12.6 12.4h1.3v9.7c0 1.2 1.6 1.9 2.4 1l10.8-10.7h13.3c7 0 12.6-5.5 12.6-12.4"></path></svg></span><span class="e1smopwg6 css-tnw37f-StyledHeadlineText-StyledHeadline e1w8lw9x7"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 55 49" class="e1w8lw9x3 StyledCommentsIcon css-i91420-StyledCommentsIcon-StyledCommentsIcon e1jes821"><title>Comments</title><path d="M54 24.5v-11C54 6.4 48.4 1 41.4 1H13.6C6.6 1 1 6.6 1 13.4v11.1c0 6.9 5.6 12.4 12.6 12.4h1.3v9.7c0 1.2 1.6 1.9 2.4 1l10.8-10.7h13.3c7 0 12.6-5.5 12.6-12.4"></path></svg><span>RBA minutes reveal why there’s no rate cut on the cards</span></span></h2><p class="e1smopwg3 css-1j4td8d-StyledTeaser-StyledTeaser e1w8lw9x6">Minutes from the most recent interest rate meeting of the Reserve Bank have revealed the three key triggers the board will be watching to bring about long-awaited rate relief.</p><div class="css-1t57q22-StyledInlineWrapper e1smopwg0"></div></div></a></div></div></div><div class="css-5l1g3y-StyledHeader elndtzg3"><div class="css-1ayvvco-SectionHeaderContainer e1fp214b13"><a class="css-13q0ohs-HeadingLink e1fp214b7" href="/lifestyle/pensions"><div class="css-5k0trs-HeadingWrapper e1fp214b8"><h2 class="css-64qlae-Heading e1fp214b10">Pensions</h2><span class="css-10596bk-Divider e1fp214b9"></span></div></a></div></div><div class="css-1n5cxhf-StyledLima elndtzg4"><div class="css-hzanzy-StyledGridItem elndtzg1"><div class="css-1ls5bi3-StyledPortrait ew7cd2s5" data-topic="business/your-money"><a class="css-4yofy7-StyledLink-StyledLink ew7cd2s4" href="/business/your-money/nick-bruining-qa-pensioners-are-pooling-resources-but-centrelink-might-see-you-and-a-housemate-as-a-couple-c-17697793"><div class="ew7cd2s3 Card-Media css-1icnwod-StyledMedia-StyledCardMedia e1m2h3dd6"><div class="Card-Media-Content css-1gbeyhl-StyledMediaContent e1m2h3dd8"><picture class="image css-q2ve4i-PictureWithIntrinsicRatio eosncpx0"><source data-ratio="16:9" media="(min-width: 768px)" srcSet="https://images.thewest.com.au/publication/C-17697793/514c9af5f13825312a44ddc8d46eb6553c7785af-16x9-x0y530w2158h1214.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-17697793/514c9af5f13825312a44ddc8d46eb6553c7785af-16x9-x0y530w2158h1214.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-17697793/514c9af5f13825312a44ddc8d46eb6553c7785af-16x9-x0y530w2158h1214.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-17697793/514c9af5f13825312a44ddc8d46eb6553c7785af-16x9-x0y530w2158h1214.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-17697793/514c9af5f13825312a44ddc8d46eb6553c7785af-16x9-x0y530w2158h1214.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-17697793/514c9af5f13825312a44ddc8d46eb6553c7785af-16x9-x0y530w2158h1214.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-17697793/514c9af5f13825312a44ddc8d46eb6553c7785af-16x9-x0y530w2158h1214.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-17697793/514c9af5f13825312a44ddc8d46eb6553c7785af-16x9-x0y530w2158h1214.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-17697793/514c9af5f13825312a44ddc8d46eb6553c7785af-16x9-x0y530w2158h1214.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 100vw,(min-width: 768px) and (max-width: 1020px) 50vw,313px"/><source data-ratio="4:3" media="(max-width: 767px)" srcSet="https://images.thewest.com.au/publication/C-17697793/514c9af5f13825312a44ddc8d46eb6553c7785af-4x3-x0y349w2158h1618.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-17697793/514c9af5f13825312a44ddc8d46eb6553c7785af-4x3-x0y349w2158h1618.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-17697793/514c9af5f13825312a44ddc8d46eb6553c7785af-4x3-x0y349w2158h1618.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-17697793/514c9af5f13825312a44ddc8d46eb6553c7785af-4x3-x0y349w2158h1618.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-17697793/514c9af5f13825312a44ddc8d46eb6553c7785af-4x3-x0y349w2158h1618.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-17697793/514c9af5f13825312a44ddc8d46eb6553c7785af-4x3-x0y349w2158h1618.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-17697793/514c9af5f13825312a44ddc8d46eb6553c7785af-4x3-x0y349w2158h1618.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-17697793/514c9af5f13825312a44ddc8d46eb6553c7785af-4x3-x0y349w2158h1618.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-17697793/514c9af5f13825312a44ddc8d46eb6553c7785af-4x3-x0y349w2158h1618.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 100vw,(min-width: 768px) and (max-width: 1020px) 50vw,313px"/><img src="https://images.thewest.com.au/publication/C-17697793/514c9af5f13825312a44ddc8d46eb6553c7785af-16x9-x0y530w2158h1214.jpg?imwidth=313&impolicy=wan_v3" alt="With the cost of rent so high, some retirees are pooling resources and moving in together to share the burden. But there’s a danger Centrelink can, and will, treat you as a couple and cut your pensions. " class="css-16r7l45-StyledImage en5ut4d0" loading="lazy" height="1214" width="1214"/><noscript><img src="https://images.thewest.com.au/publication/C-17697793/514c9af5f13825312a44ddc8d46eb6553c7785af-16x9-x0y530w2158h1214.jpg?imwidth=313&impolicy=wan_v3" alt="With the cost of rent so high, some retirees are pooling resources and moving in together to share the burden. But there’s a danger Centrelink can, and will, treat you as a couple and cut your pensions. " class="css-tl044d-StyledNoScriptImage-StyledImage eu9mom10" /></noscript></picture></div></div><div class="ew7cd2s2 css-5s3171-StyledText-StyledCardText e1w8lw9x10"><h2 class="Card-Headline css-eq0ra1-StyledHeadline e1w8lw9x9"><span class="css-1lc8609-StyledKicker e1jes824"><span class="css-1p6fa63-StyledKickerText e1jes823">Bruining Q+A</span><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 55 49" class="StyledCommentsIcon css-101fbvt-StyledCommentsIcon e1jes821"><title>Comments</title><path d="M54 24.5v-11C54 6.4 48.4 1 41.4 1H13.6C6.6 1 1 6.6 1 13.4v11.1c0 6.9 5.6 12.4 12.6 12.4h1.3v9.7c0 1.2 1.6 1.9 2.4 1l10.8-10.7h13.3c7 0 12.6-5.5 12.6-12.4"></path></svg><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 260 260" class="css-14uybzh-StyledPremiumIcon e1jes822" role="img"><title>Premium</title><defs><linearGradient id="f1-ico-prem" x1="83.6%" x2="15.9%" y1="16.4%" y2="84.1%"><stop offset="0%" stop-color="#043DE2"></stop><stop offset="100%" stop-color="#1257E0"></stop></linearGradient><linearGradient id="f2-ico-prem" x1="104.4%" x2="3.3%" y1="4.3%" y2="104.9%"><stop offset="0%" stop-color="#F400AB"></stop><stop offset="100%" stop-color="#AA01E1"></stop></linearGradient></defs><path fill="url(#f1-ico-prem)" d="M216.6 124.8c-.7-15.5-7.4-20.4-12.4-23.4s-11-5.2-31.8-5.2c-12.4 0-16-12.3-16-22.2 0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.3 20.3 12.3 23.3 5 3 11.1 5.2 31.8 5.2 12.5 0 16 12.3 16 22.2 0 10-1.2 18 6 26.5a33 33 0 0 0 23.7 10.5h1s14-.3 22.6-10.5c7.3-8.6 6-16.6 6-26.5 0-9.9 3.6-22.2 16-22.2 20.7 0 26.8-2.2 31.8-5.2s11.7-7.9 12.4-23.3v-2-1.8z"></path><path fill="url(#f2-ico-prem)" d="M156.4 74c0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.2 20.2 12.3 23.3 5.8 3.5 14.4 5.4 31.8 5.2 29.5-.3 75.3-48.4 75.3-83.1z"></path></svg></span><span class="css-249bft-StyledHeadlineText e1w8lw9x7"><span>Can Centrelink treat you and your housemate as a couple?</span></span></h2><p class="css-pb0uo2-StyledTeaser e1w8lw9x6">Q+A: With the cost of rent so high, some retirees are pooling resources and moving in together to share the burden. But there’s a danger Centrelink can — and will — treat you as a couple and cut your pensions. </p></div><div class="ew7cd2s1 CardByline css-8ail66-StyledByline-StyledCardByline ebzp2e48"><p class="CardByline-Text css-102194g-StyledBylineText ebzp2e47">Nick Bruining</p></div></a></div></div><div class="css-hzanzy-StyledGridItem elndtzg1"><div class="css-1ls5bi3-StyledPortrait ew7cd2s5" data-topic="business/your-money"><a class="css-4yofy7-StyledLink-StyledLink ew7cd2s4" href="/business/your-money/nick-bruining-qa-dont-get-sucked-in-heres-the-proper-way-to-put-a-super-funds-performance-to-the-test-c-17046719"><div class="ew7cd2s3 Card-Media css-1icnwod-StyledMedia-StyledCardMedia e1m2h3dd6"><div class="Card-Media-Content css-1gbeyhl-StyledMediaContent e1m2h3dd8"><picture class="image css-q2ve4i-PictureWithIntrinsicRatio eosncpx0"><source data-ratio="16:9" media="(min-width: 768px)" srcSet="https://images.thewest.com.au/publication/C-17046719/f80f31b3f15ad913419dd1b193f532a17f4d4c4b-16x9-x207y205w895h503.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-17046719/f80f31b3f15ad913419dd1b193f532a17f4d4c4b-16x9-x207y205w895h503.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-17046719/f80f31b3f15ad913419dd1b193f532a17f4d4c4b-16x9-x207y205w895h503.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-17046719/f80f31b3f15ad913419dd1b193f532a17f4d4c4b-16x9-x207y205w895h503.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-17046719/f80f31b3f15ad913419dd1b193f532a17f4d4c4b-16x9-x207y205w895h503.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-17046719/f80f31b3f15ad913419dd1b193f532a17f4d4c4b-16x9-x207y205w895h503.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-17046719/f80f31b3f15ad913419dd1b193f532a17f4d4c4b-16x9-x207y205w895h503.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-17046719/f80f31b3f15ad913419dd1b193f532a17f4d4c4b-16x9-x207y205w895h503.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-17046719/f80f31b3f15ad913419dd1b193f532a17f4d4c4b-16x9-x207y205w895h503.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 100vw,(min-width: 768px) and (max-width: 1020px) 50vw,313px"/><source data-ratio="4:3" media="(max-width: 767px)" srcSet="https://images.thewest.com.au/publication/C-17046719/f80f31b3f15ad913419dd1b193f532a17f4d4c4b-4x3-x213y133w873h655.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-17046719/f80f31b3f15ad913419dd1b193f532a17f4d4c4b-4x3-x213y133w873h655.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-17046719/f80f31b3f15ad913419dd1b193f532a17f4d4c4b-4x3-x213y133w873h655.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-17046719/f80f31b3f15ad913419dd1b193f532a17f4d4c4b-4x3-x213y133w873h655.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-17046719/f80f31b3f15ad913419dd1b193f532a17f4d4c4b-4x3-x213y133w873h655.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-17046719/f80f31b3f15ad913419dd1b193f532a17f4d4c4b-4x3-x213y133w873h655.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-17046719/f80f31b3f15ad913419dd1b193f532a17f4d4c4b-4x3-x213y133w873h655.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-17046719/f80f31b3f15ad913419dd1b193f532a17f4d4c4b-4x3-x213y133w873h655.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-17046719/f80f31b3f15ad913419dd1b193f532a17f4d4c4b-4x3-x213y133w873h655.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 100vw,(min-width: 768px) and (max-width: 1020px) 50vw,313px"/><img src="https://images.thewest.com.au/publication/C-17046719/f80f31b3f15ad913419dd1b193f532a17f4d4c4b-16x9-x207y205w895h503.jpg?imwidth=313&impolicy=wan_v3" alt="Bombarded by quirky and colourful ads, it’s easy to think the grass is greener on the other side of the super fence. But before you switch, here’s the proper way to put a fund’s performance to the test." class="css-16r7l45-StyledImage en5ut4d0" loading="lazy" height="503" width="503"/><noscript><img src="https://images.thewest.com.au/publication/C-17046719/f80f31b3f15ad913419dd1b193f532a17f4d4c4b-16x9-x207y205w895h503.jpg?imwidth=313&impolicy=wan_v3" alt="Bombarded by quirky and colourful ads, it’s easy to think the grass is greener on the other side of the super fence. But before you switch, here’s the proper way to put a fund’s performance to the test." class="css-tl044d-StyledNoScriptImage-StyledImage eu9mom10" /></noscript></picture></div></div><div class="ew7cd2s2 css-5s3171-StyledText-StyledCardText e1w8lw9x10"><h2 class="Card-Headline css-eq0ra1-StyledHeadline e1w8lw9x9"><span class="css-1lc8609-StyledKicker e1jes824"><span class="css-1p6fa63-StyledKickerText e1jes823">Bruining Q+A</span><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 55 49" class="StyledCommentsIcon css-101fbvt-StyledCommentsIcon e1jes821"><title>Comments</title><path d="M54 24.5v-11C54 6.4 48.4 1 41.4 1H13.6C6.6 1 1 6.6 1 13.4v11.1c0 6.9 5.6 12.4 12.6 12.4h1.3v9.7c0 1.2 1.6 1.9 2.4 1l10.8-10.7h13.3c7 0 12.6-5.5 12.6-12.4"></path></svg><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 260 260" class="css-14uybzh-StyledPremiumIcon e1jes822" role="img"><title>Premium</title><defs><linearGradient id="f1-ico-prem" x1="83.6%" x2="15.9%" y1="16.4%" y2="84.1%"><stop offset="0%" stop-color="#043DE2"></stop><stop offset="100%" stop-color="#1257E0"></stop></linearGradient><linearGradient id="f2-ico-prem" x1="104.4%" x2="3.3%" y1="4.3%" y2="104.9%"><stop offset="0%" stop-color="#F400AB"></stop><stop offset="100%" stop-color="#AA01E1"></stop></linearGradient></defs><path fill="url(#f1-ico-prem)" d="M216.6 124.8c-.7-15.5-7.4-20.4-12.4-23.4s-11-5.2-31.8-5.2c-12.4 0-16-12.3-16-22.2 0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.3 20.3 12.3 23.3 5 3 11.1 5.2 31.8 5.2 12.5 0 16 12.3 16 22.2 0 10-1.2 18 6 26.5a33 33 0 0 0 23.7 10.5h1s14-.3 22.6-10.5c7.3-8.6 6-16.6 6-26.5 0-9.9 3.6-22.2 16-22.2 20.7 0 26.8-2.2 31.8-5.2s11.7-7.9 12.4-23.3v-2-1.8z"></path><path fill="url(#f2-ico-prem)" d="M156.4 74c0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.2 20.2 12.3 23.3 5.8 3.5 14.4 5.4 31.8 5.2 29.5-.3 75.3-48.4 75.3-83.1z"></path></svg></span><span class="css-249bft-StyledHeadlineText e1w8lw9x7"><span>Why the super funds you think are the best probably aren’t</span></span></h2><p class="css-pb0uo2-StyledTeaser e1w8lw9x6">Q+A: Bombarded by quirky and colourful ads, it’s easy to think the grass is greener on the other side of the super fence. But before you switch, here’s the proper way to put a fund’s performance to the test.</p></div><div class="ew7cd2s1 CardByline css-8ail66-StyledByline-StyledCardByline ebzp2e48"><p class="CardByline-Text css-102194g-StyledBylineText ebzp2e47">Nick Bruining</p></div></a></div></div><div class="css-hzanzy-StyledGridItem elndtzg1"><div class="css-1ls5bi3-StyledPortrait ew7cd2s5" data-topic="business/your-money"><a class="css-4yofy7-StyledLink-StyledLink ew7cd2s4" href="/business/your-money/nick-bruining-centrelink-tells-welfare-recipients-how-to-avoid-becoming-a-victim-of-scammers-c-16983514"><div class="ew7cd2s3 Card-Media css-1icnwod-StyledMedia-StyledCardMedia e1m2h3dd6"><div class="Card-Media-Content css-1gbeyhl-StyledMediaContent e1m2h3dd8"><picture class="image css-q2ve4i-PictureWithIntrinsicRatio eosncpx0"><source data-ratio="16:9" media="(min-width: 768px)" srcSet="https://images.thewest.com.au/publication/C-16983514/b7f3b695e028db00956ff614646b181ab3bc4c9b-16x9-x22y234w1151h648.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-16983514/b7f3b695e028db00956ff614646b181ab3bc4c9b-16x9-x22y234w1151h648.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-16983514/b7f3b695e028db00956ff614646b181ab3bc4c9b-16x9-x22y234w1151h648.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-16983514/b7f3b695e028db00956ff614646b181ab3bc4c9b-16x9-x22y234w1151h648.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-16983514/b7f3b695e028db00956ff614646b181ab3bc4c9b-16x9-x22y234w1151h648.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-16983514/b7f3b695e028db00956ff614646b181ab3bc4c9b-16x9-x22y234w1151h648.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-16983514/b7f3b695e028db00956ff614646b181ab3bc4c9b-16x9-x22y234w1151h648.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-16983514/b7f3b695e028db00956ff614646b181ab3bc4c9b-16x9-x22y234w1151h648.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-16983514/b7f3b695e028db00956ff614646b181ab3bc4c9b-16x9-x22y234w1151h648.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 100vw,(min-width: 768px) and (max-width: 1020px) 50vw,313px"/><source data-ratio="4:3" media="(max-width: 767px)" srcSet="https://images.thewest.com.au/publication/C-16983514/b7f3b695e028db00956ff614646b181ab3bc4c9b-4x3-x26y239w857h643.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-16983514/b7f3b695e028db00956ff614646b181ab3bc4c9b-4x3-x26y239w857h643.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-16983514/b7f3b695e028db00956ff614646b181ab3bc4c9b-4x3-x26y239w857h643.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-16983514/b7f3b695e028db00956ff614646b181ab3bc4c9b-4x3-x26y239w857h643.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-16983514/b7f3b695e028db00956ff614646b181ab3bc4c9b-4x3-x26y239w857h643.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-16983514/b7f3b695e028db00956ff614646b181ab3bc4c9b-4x3-x26y239w857h643.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-16983514/b7f3b695e028db00956ff614646b181ab3bc4c9b-4x3-x26y239w857h643.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-16983514/b7f3b695e028db00956ff614646b181ab3bc4c9b-4x3-x26y239w857h643.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-16983514/b7f3b695e028db00956ff614646b181ab3bc4c9b-4x3-x26y239w857h643.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 100vw,(min-width: 768px) and (max-width: 1020px) 50vw,313px"/><img src="https://images.thewest.com.au/publication/C-16983514/b7f3b695e028db00956ff614646b181ab3bc4c9b-16x9-x22y234w1151h648.jpg?imwidth=313&impolicy=wan_v3" alt="Services Australia general manager Hank Jongen said phishing sites were the most common way for scammers to steal identification data." class="css-16r7l45-StyledImage en5ut4d0" loading="lazy" height="648" width="648"/><noscript><img src="https://images.thewest.com.au/publication/C-16983514/b7f3b695e028db00956ff614646b181ab3bc4c9b-16x9-x22y234w1151h648.jpg?imwidth=313&impolicy=wan_v3" alt="Services Australia general manager Hank Jongen said phishing sites were the most common way for scammers to steal identification data." class="css-tl044d-StyledNoScriptImage-StyledImage eu9mom10" /></noscript></picture></div></div><div class="ew7cd2s2 css-5s3171-StyledText-StyledCardText e1w8lw9x10"><h2 class="Card-Headline css-eq0ra1-StyledHeadline e1w8lw9x9"><span class="css-1lc8609-StyledKicker e1jes824"><span class="css-1p6fa63-StyledKickerText e1jes823">Your Money</span><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 55 49" class="StyledCommentsIcon css-101fbvt-StyledCommentsIcon e1jes821"><title>Comments</title><path d="M54 24.5v-11C54 6.4 48.4 1 41.4 1H13.6C6.6 1 1 6.6 1 13.4v11.1c0 6.9 5.6 12.4 12.6 12.4h1.3v9.7c0 1.2 1.6 1.9 2.4 1l10.8-10.7h13.3c7 0 12.6-5.5 12.6-12.4"></path></svg><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 260 260" class="css-14uybzh-StyledPremiumIcon e1jes822" role="img"><title>Premium</title><defs><linearGradient id="f1-ico-prem" x1="83.6%" x2="15.9%" y1="16.4%" y2="84.1%"><stop offset="0%" stop-color="#043DE2"></stop><stop offset="100%" stop-color="#1257E0"></stop></linearGradient><linearGradient id="f2-ico-prem" x1="104.4%" x2="3.3%" y1="4.3%" y2="104.9%"><stop offset="0%" stop-color="#F400AB"></stop><stop offset="100%" stop-color="#AA01E1"></stop></linearGradient></defs><path fill="url(#f1-ico-prem)" d="M216.6 124.8c-.7-15.5-7.4-20.4-12.4-23.4s-11-5.2-31.8-5.2c-12.4 0-16-12.3-16-22.2 0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.3 20.3 12.3 23.3 5 3 11.1 5.2 31.8 5.2 12.5 0 16 12.3 16 22.2 0 10-1.2 18 6 26.5a33 33 0 0 0 23.7 10.5h1s14-.3 22.6-10.5c7.3-8.6 6-16.6 6-26.5 0-9.9 3.6-22.2 16-22.2 20.7 0 26.8-2.2 31.8-5.2s11.7-7.9 12.4-23.3v-2-1.8z"></path><path fill="url(#f2-ico-prem)" d="M156.4 74c0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.2 20.2 12.3 23.3 5.8 3.5 14.4 5.4 31.8 5.2 29.5-.3 75.3-48.4 75.3-83.1z"></path></svg></span><span class="css-249bft-StyledHeadlineText e1w8lw9x7"><span>Centrelink shares how to avoid becoming victim of scams</span></span></h2><p class="css-pb0uo2-StyledTeaser e1w8lw9x6">West Australians using the myGov service have been warned to remain alert following a sharp rise in identity theft, with the data pinched being used to redirect pension payments to scammers’ accounts.</p></div><div class="ew7cd2s1 CardByline css-8ail66-StyledByline-StyledCardByline ebzp2e48"><p class="CardByline-Text css-102194g-StyledBylineText ebzp2e47">Nick Bruining</p></div></a></div></div><div class="css-hzanzy-StyledGridItem elndtzg1"><div class="css-1ls5bi3-StyledPortrait ew7cd2s5" data-topic="business/your-money"><a class="css-4yofy7-StyledLink-StyledLink ew7cd2s4" href="/business/your-money/nick-bruining-the-cunning-tricks-hackers-used-to-steal-perth-man-jeff-pollards-centrelink-age-pension-c-16958526"><div class="ew7cd2s3 Card-Media css-1icnwod-StyledMedia-StyledCardMedia e1m2h3dd6"><div class="Card-Media-Content css-1gbeyhl-StyledMediaContent e1m2h3dd8"><picture class="image css-q2ve4i-PictureWithIntrinsicRatio eosncpx0"><source data-ratio="16:9" media="(min-width: 768px)" srcSet="https://images.thewest.com.au/publication/C-16958526/6366854424e2329caa51547aafa87bd13858f43e-16x9-x0y113w3031h1705.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-16958526/6366854424e2329caa51547aafa87bd13858f43e-16x9-x0y113w3031h1705.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-16958526/6366854424e2329caa51547aafa87bd13858f43e-16x9-x0y113w3031h1705.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-16958526/6366854424e2329caa51547aafa87bd13858f43e-16x9-x0y113w3031h1705.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-16958526/6366854424e2329caa51547aafa87bd13858f43e-16x9-x0y113w3031h1705.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-16958526/6366854424e2329caa51547aafa87bd13858f43e-16x9-x0y113w3031h1705.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-16958526/6366854424e2329caa51547aafa87bd13858f43e-16x9-x0y113w3031h1705.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-16958526/6366854424e2329caa51547aafa87bd13858f43e-16x9-x0y113w3031h1705.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-16958526/6366854424e2329caa51547aafa87bd13858f43e-16x9-x0y113w3031h1705.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 100vw,(min-width: 768px) and (max-width: 1020px) 50vw,313px"/><source data-ratio="4:3" media="(max-width: 767px)" srcSet="https://images.thewest.com.au/publication/C-16958526/6366854424e2329caa51547aafa87bd13858f43e-4x3-x136y0w2695h2021.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-16958526/6366854424e2329caa51547aafa87bd13858f43e-4x3-x136y0w2695h2021.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-16958526/6366854424e2329caa51547aafa87bd13858f43e-4x3-x136y0w2695h2021.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-16958526/6366854424e2329caa51547aafa87bd13858f43e-4x3-x136y0w2695h2021.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-16958526/6366854424e2329caa51547aafa87bd13858f43e-4x3-x136y0w2695h2021.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-16958526/6366854424e2329caa51547aafa87bd13858f43e-4x3-x136y0w2695h2021.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-16958526/6366854424e2329caa51547aafa87bd13858f43e-4x3-x136y0w2695h2021.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-16958526/6366854424e2329caa51547aafa87bd13858f43e-4x3-x136y0w2695h2021.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-16958526/6366854424e2329caa51547aafa87bd13858f43e-4x3-x136y0w2695h2021.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 100vw,(min-width: 768px) and (max-width: 1020px) 50vw,313px"/><img src="https://images.thewest.com.au/publication/C-16958526/6366854424e2329caa51547aafa87bd13858f43e-16x9-x0y113w3031h1705.jpg?imwidth=313&impolicy=wan_v3" alt="Jeff Pollard was the victim of a myGov link scam that redirected his pension to a scammer’s own bank account." class="css-16r7l45-StyledImage en5ut4d0" loading="lazy" height="1705" width="1705"/><noscript><img src="https://images.thewest.com.au/publication/C-16958526/6366854424e2329caa51547aafa87bd13858f43e-16x9-x0y113w3031h1705.jpg?imwidth=313&impolicy=wan_v3" alt="Jeff Pollard was the victim of a myGov link scam that redirected his pension to a scammer’s own bank account." class="css-tl044d-StyledNoScriptImage-StyledImage eu9mom10" /></noscript></picture></div></div><div class="ew7cd2s2 css-5s3171-StyledText-StyledCardText e1w8lw9x10"><h2 class="Card-Headline css-eq0ra1-StyledHeadline e1w8lw9x9"><span class="css-1lc8609-StyledKicker e1jes824"><span class="css-1p6fa63-StyledKickerText e1jes823">Your Money</span><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 55 49" class="StyledCommentsIcon css-101fbvt-StyledCommentsIcon e1jes821"><title>Comments</title><path d="M54 24.5v-11C54 6.4 48.4 1 41.4 1H13.6C6.6 1 1 6.6 1 13.4v11.1c0 6.9 5.6 12.4 12.6 12.4h1.3v9.7c0 1.2 1.6 1.9 2.4 1l10.8-10.7h13.3c7 0 12.6-5.5 12.6-12.4"></path></svg><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 260 260" class="css-14uybzh-StyledPremiumIcon e1jes822" role="img"><title>Premium</title><defs><linearGradient id="f1-ico-prem" x1="83.6%" x2="15.9%" y1="16.4%" y2="84.1%"><stop offset="0%" stop-color="#043DE2"></stop><stop offset="100%" stop-color="#1257E0"></stop></linearGradient><linearGradient id="f2-ico-prem" x1="104.4%" x2="3.3%" y1="4.3%" y2="104.9%"><stop offset="0%" stop-color="#F400AB"></stop><stop offset="100%" stop-color="#AA01E1"></stop></linearGradient></defs><path fill="url(#f1-ico-prem)" d="M216.6 124.8c-.7-15.5-7.4-20.4-12.4-23.4s-11-5.2-31.8-5.2c-12.4 0-16-12.3-16-22.2 0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.3 20.3 12.3 23.3 5 3 11.1 5.2 31.8 5.2 12.5 0 16 12.3 16 22.2 0 10-1.2 18 6 26.5a33 33 0 0 0 23.7 10.5h1s14-.3 22.6-10.5c7.3-8.6 6-16.6 6-26.5 0-9.9 3.6-22.2 16-22.2 20.7 0 26.8-2.2 31.8-5.2s11.7-7.9 12.4-23.3v-2-1.8z"></path><path fill="url(#f2-ico-prem)" d="M156.4 74c0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.2 20.2 12.3 23.3 5.8 3.5 14.4 5.4 31.8 5.2 29.5-.3 75.3-48.4 75.3-83.1z"></path></svg></span><span class="css-249bft-StyledHeadlineText e1w8lw9x7"><span>Cunning tricks used by hackers to steal Perth man’s pension</span></span></h2><p class="css-pb0uo2-StyledTeaser e1w8lw9x6">Jeff Pollard is no fool when it comes to online safety. But his ordeal proves even the security-savvy can get caught out. Here’s how the scammers did it and why you need to remain vigilant.</p></div><div class="ew7cd2s1 CardByline css-8ail66-StyledByline-StyledCardByline ebzp2e48"><p class="CardByline-Text css-102194g-StyledBylineText ebzp2e47">Nick Bruining</p></div></a></div></div></div><div class="hide-print ad-no-notice css-svlwa0-StyledAdUnitWrapper ezkyf1c0"><div class="css-pkrrfy-StyledCenter ezkyf1c3"><div class="css-75thsc-StyledNotice ezkyf1c2"><div class="ad-mrec-one css-1u74liy-StyledAdUnit ezkyf1c4"></div></div></div></div><div class="hide-print ad-no-notice css-svlwa0-StyledAdUnitWrapper ezkyf1c0"><div class="css-54rauv-StyledCenter ezkyf1c3"><div class="css-75thsc-StyledNotice ezkyf1c2"><div class="ad-billboard-leaderboard-one css-1oizywe-StyledAdUnit ezkyf1c4"></div></div></div></div><div class="css-5l1g3y-StyledHeader elndtzg3"><div class="css-1ayvvco-SectionHeaderContainer e1fp214b13"><a class="css-13q0ohs-HeadingLink e1fp214b7" href="/lifestyle/superannuation"><div class="css-5k0trs-HeadingWrapper e1fp214b8"><h2 class="css-64qlae-Heading e1fp214b10">Superannuation</h2><span class="css-10596bk-Divider e1fp214b9"></span></div></a></div></div><div class="css-1n5cxhf-StyledLima elndtzg4"><div class="css-hzanzy-StyledGridItem elndtzg1"><div class="css-1ls5bi3-StyledPortrait ew7cd2s5" data-topic="politics/federal-politics"><a class="css-4yofy7-StyledLink-StyledLink ew7cd2s4" href="/politics/federal-politics/treasurer-jim-chalmers-in-washington-dc-on-charm-offensive-in-bid-to-avoid-us-tariffs-c-17841808"><div class="ew7cd2s3 Card-Media css-1icnwod-StyledMedia-StyledCardMedia e1m2h3dd6"><div class="Card-Media-Content css-1gbeyhl-StyledMediaContent e1m2h3dd8"><picture class="image css-q2ve4i-PictureWithIntrinsicRatio eosncpx0"><source data-ratio="16:9" media="(min-width: 768px)" srcSet="https://images.thewest.com.au/publication/C-17841808/bd830dbd30957cbcc537d99a6a0f51c97eff821a-16x9-x0y0w4167h2344.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-17841808/bd830dbd30957cbcc537d99a6a0f51c97eff821a-16x9-x0y0w4167h2344.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-17841808/bd830dbd30957cbcc537d99a6a0f51c97eff821a-16x9-x0y0w4167h2344.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-17841808/bd830dbd30957cbcc537d99a6a0f51c97eff821a-16x9-x0y0w4167h2344.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-17841808/bd830dbd30957cbcc537d99a6a0f51c97eff821a-16x9-x0y0w4167h2344.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-17841808/bd830dbd30957cbcc537d99a6a0f51c97eff821a-16x9-x0y0w4167h2344.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-17841808/bd830dbd30957cbcc537d99a6a0f51c97eff821a-16x9-x0y0w4167h2344.jpg?imwidth=640&impolicy=wan_v3 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250w,https://images.thewest.com.au/publication/C-17841808/bd830dbd30957cbcc537d99a6a0f51c97eff821a-4x3-x158y0w3704h2778.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-17841808/bd830dbd30957cbcc537d99a6a0f51c97eff821a-4x3-x158y0w3704h2778.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-17841808/bd830dbd30957cbcc537d99a6a0f51c97eff821a-4x3-x158y0w3704h2778.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-17841808/bd830dbd30957cbcc537d99a6a0f51c97eff821a-4x3-x158y0w3704h2778.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-17841808/bd830dbd30957cbcc537d99a6a0f51c97eff821a-4x3-x158y0w3704h2778.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-17841808/bd830dbd30957cbcc537d99a6a0f51c97eff821a-4x3-x158y0w3704h2778.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 100vw,(min-width: 768px) and (max-width: 1020px) 50vw,313px"/><img src="https://images.thewest.com.au/publication/C-17841808/bd830dbd30957cbcc537d99a6a0f51c97eff821a-16x9-x0y0w4167h2344.jpg?imwidth=313&impolicy=wan_v3" alt="Treasurer Jim Chalmers’ trip to a superannuation summit has evolved into a public relations exercise." class="css-16r7l45-StyledImage en5ut4d0" loading="lazy" height="2344" width="2344"/><noscript><img src="https://images.thewest.com.au/publication/C-17841808/bd830dbd30957cbcc537d99a6a0f51c97eff821a-16x9-x0y0w4167h2344.jpg?imwidth=313&impolicy=wan_v3" alt="Treasurer Jim Chalmers’ trip to a superannuation summit has evolved into a public relations exercise." class="css-tl044d-StyledNoScriptImage-StyledImage eu9mom10" /></noscript></picture></div></div><div class="ew7cd2s2 css-5s3171-StyledText-StyledCardText e1w8lw9x10"><h2 class="Card-Headline css-eq0ra1-StyledHeadline e1w8lw9x9"><span class="css-1lc8609-StyledKicker e1jes824"><span class="css-1p6fa63-StyledKickerText e1jes823">Federal Politics</span><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 55 49" class="StyledCommentsIcon css-101fbvt-StyledCommentsIcon e1jes821"><title>Comments</title><path d="M54 24.5v-11C54 6.4 48.4 1 41.4 1H13.6C6.6 1 1 6.6 1 13.4v11.1c0 6.9 5.6 12.4 12.6 12.4h1.3v9.7c0 1.2 1.6 1.9 2.4 1l10.8-10.7h13.3c7 0 12.6-5.5 12.6-12.4"></path></svg></span><span class="css-249bft-StyledHeadlineText e1w8lw9x7"><span>Chalmers hits Washington DC in critical bid to avoid tariffs</span></span></h2><p class="css-pb0uo2-StyledTeaser e1w8lw9x6">Treasurer Jim Chalmers has used the first day of his charm offensive in Washington DC to highlight Australia’s financial contribution to the US economy, as he attempts to gain a carve-out from US tariffs.</p></div><div class="ew7cd2s1 CardByline css-8ail66-StyledByline-StyledCardByline ebzp2e48"><p class="CardByline-Text css-102194g-StyledBylineText ebzp2e47">Jackson Hewett</p></div></a></div></div><div class="css-hzanzy-StyledGridItem elndtzg1"><div class="css-1ls5bi3-StyledPortrait ew7cd2s5" data-topic="business"><a class="css-4yofy7-StyledLink-StyledLink ew7cd2s4" href="/business/retirement-savings-crisis-aussies-forced-to-work-longer-due-to-cost-of-living-c-17830673"><div class="ew7cd2s3 Card-Media css-1icnwod-StyledMedia-StyledCardMedia e1m2h3dd6"><div class="Card-Media-Content css-1gbeyhl-StyledMediaContent e1m2h3dd8"><picture class="image css-q2ve4i-PictureWithIntrinsicRatio eosncpx0"><source data-ratio="16:9" media="(min-width: 768px)" srcSet="https://images.thewest.com.au/publication/C-17830673/fd48fb7fb43e049292dfdf798f4e1a166cc1f48e-16x9-x0y0w2048h1152.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-17830673/fd48fb7fb43e049292dfdf798f4e1a166cc1f48e-16x9-x0y0w2048h1152.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-17830673/fd48fb7fb43e049292dfdf798f4e1a166cc1f48e-16x9-x0y0w2048h1152.jpg?imwidth=250&impolicy=wan_v3 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50vw,313px"/><source data-ratio="4:3" media="(max-width: 767px)" srcSet="https://images.thewest.com.au/publication/C-17830673/fd48fb7fb43e049292dfdf798f4e1a166cc1f48e-4x3-x256y0w1536h1152.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-17830673/fd48fb7fb43e049292dfdf798f4e1a166cc1f48e-4x3-x256y0w1536h1152.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-17830673/fd48fb7fb43e049292dfdf798f4e1a166cc1f48e-4x3-x256y0w1536h1152.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-17830673/fd48fb7fb43e049292dfdf798f4e1a166cc1f48e-4x3-x256y0w1536h1152.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-17830673/fd48fb7fb43e049292dfdf798f4e1a166cc1f48e-4x3-x256y0w1536h1152.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-17830673/fd48fb7fb43e049292dfdf798f4e1a166cc1f48e-4x3-x256y0w1536h1152.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-17830673/fd48fb7fb43e049292dfdf798f4e1a166cc1f48e-4x3-x256y0w1536h1152.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-17830673/fd48fb7fb43e049292dfdf798f4e1a166cc1f48e-4x3-x256y0w1536h1152.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-17830673/fd48fb7fb43e049292dfdf798f4e1a166cc1f48e-4x3-x256y0w1536h1152.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 100vw,(min-width: 768px) and (max-width: 1020px) 50vw,313px"/><img src="https://images.thewest.com.au/publication/C-17830673/fd48fb7fb43e049292dfdf798f4e1a166cc1f48e-16x9-x0y0w2048h1152.jpg?imwidth=313&impolicy=wan_v3" alt="Australians are staying in the workforce longer, due to the high cost of living NewsWire / John Gass" class="css-16r7l45-StyledImage en5ut4d0" loading="lazy" height="1152" width="1152"/><noscript><img src="https://images.thewest.com.au/publication/C-17830673/fd48fb7fb43e049292dfdf798f4e1a166cc1f48e-16x9-x0y0w2048h1152.jpg?imwidth=313&impolicy=wan_v3" alt="Australians are staying in the workforce longer, due to the high cost of living NewsWire / John Gass" class="css-tl044d-StyledNoScriptImage-StyledImage eu9mom10" /></noscript></picture></div></div><div class="ew7cd2s2 css-5s3171-StyledText-StyledCardText e1w8lw9x10"><h2 class="Card-Headline css-eq0ra1-StyledHeadline e1w8lw9x9"><span class="css-1lc8609-StyledKicker e1jes824"><span class="css-1p6fa63-StyledKickerText e1jes823">Business</span><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 260 260" class="css-14uybzh-StyledPremiumIcon e1jes822" role="img"><title>Premium</title><defs><linearGradient id="f1-ico-prem" x1="83.6%" x2="15.9%" y1="16.4%" y2="84.1%"><stop offset="0%" stop-color="#043DE2"></stop><stop offset="100%" stop-color="#1257E0"></stop></linearGradient><linearGradient id="f2-ico-prem" x1="104.4%" x2="3.3%" 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class="css-249bft-StyledHeadlineText e1w8lw9x7"><span>‘No option’: Aussies grim retirement call</span></span></h2><p class="css-pb0uo2-StyledTeaser e1w8lw9x6">Australians are set to work longer as rising cost-of-living sees them put off their retirement.</p></div><div class="ew7cd2s1 CardByline css-8ail66-StyledByline-StyledCardByline ebzp2e48"><p class="CardByline-Text css-102194g-StyledBylineText ebzp2e47">Cameron Micallef</p></div></a></div></div><div class="css-hzanzy-StyledGridItem elndtzg1"><div class="css-1ls5bi3-StyledPortrait ew7cd2s5" data-topic="business/your-money"><a class="css-4yofy7-StyledLink-StyledLink ew7cd2s4" href="/business/your-money/nick-bruining-heres-how-to-make-the-most-of-the-2m-transfer-balance-cap-for-superannuation--c-17790660"><div class="ew7cd2s3 Card-Media css-1icnwod-StyledMedia-StyledCardMedia e1m2h3dd6"><div class="Card-Media-Content css-1gbeyhl-StyledMediaContent e1m2h3dd8"><picture class="image css-q2ve4i-PictureWithIntrinsicRatio eosncpx0"><source data-ratio="16:9" media="(min-width: 768px)" srcSet="https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-16x9-x269y1268w1058h595.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-16x9-x269y1268w1058h595.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-16x9-x269y1268w1058h595.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-16x9-x269y1268w1058h595.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-16x9-x269y1268w1058h595.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-16x9-x269y1268w1058h595.jpg?imwidth=500&impolicy=wan_v3 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150w,https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-4x3-x307y1107w985h739.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-4x3-x307y1107w985h739.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-4x3-x307y1107w985h739.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-4x3-x307y1107w985h739.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-4x3-x307y1107w985h739.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-4x3-x307y1107w985h739.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-4x3-x307y1107w985h739.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 100vw,(min-width: 768px) and (max-width: 1020px) 50vw,313px"/><img src="https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-16x9-x269y1268w1058h595.jpg?imwidth=313&impolicy=wan_v3" alt="The transfer balance cap is the amount of money that can be transferred from superannuation in the taxed accumulation phase to the tax-free retirement or pension phase. " class="css-16r7l45-StyledImage en5ut4d0" loading="lazy" height="595" width="595"/><noscript><img src="https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-16x9-x269y1268w1058h595.jpg?imwidth=313&impolicy=wan_v3" alt="The transfer balance cap is the amount of money that can be transferred from superannuation in the taxed accumulation phase to the tax-free retirement or pension phase. " class="css-tl044d-StyledNoScriptImage-StyledImage eu9mom10" /></noscript></picture></div></div><div class="ew7cd2s2 css-5s3171-StyledText-StyledCardText e1w8lw9x10"><h2 class="Card-Headline css-eq0ra1-StyledHeadline e1w8lw9x9"><span class="css-1lc8609-StyledKicker e1jes824"><span class="css-1p6fa63-StyledKickerText e1jes823">Your Money</span><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 55 49" class="StyledCommentsIcon css-101fbvt-StyledCommentsIcon e1jes821"><title>Comments</title><path d="M54 24.5v-11C54 6.4 48.4 1 41.4 1H13.6C6.6 1 1 6.6 1 13.4v11.1c0 6.9 5.6 12.4 12.6 12.4h1.3v9.7c0 1.2 1.6 1.9 2.4 1l10.8-10.7h13.3c7 0 12.6-5.5 12.6-12.4"></path></svg><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 260 260" class="css-14uybzh-StyledPremiumIcon e1jes822" role="img"><title>Premium</title><defs><linearGradient id="f1-ico-prem" x1="83.6%" x2="15.9%" y1="16.4%" y2="84.1%"><stop offset="0%" stop-color="#043DE2"></stop><stop offset="100%" stop-color="#1257E0"></stop></linearGradient><linearGradient id="f2-ico-prem" x1="104.4%" x2="3.3%" y1="4.3%" y2="104.9%"><stop offset="0%" stop-color="#F400AB"></stop><stop offset="100%" stop-color="#AA01E1"></stop></linearGradient></defs><path fill="url(#f1-ico-prem)" d="M216.6 124.8c-.7-15.5-7.4-20.4-12.4-23.4s-11-5.2-31.8-5.2c-12.4 0-16-12.3-16-22.2 0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.3 20.3 12.3 23.3 5 3 11.1 5.2 31.8 5.2 12.5 0 16 12.3 16 22.2 0 10-1.2 18 6 26.5a33 33 0 0 0 23.7 10.5h1s14-.3 22.6-10.5c7.3-8.6 6-16.6 6-26.5 0-9.9 3.6-22.2 16-22.2 20.7 0 26.8-2.2 31.8-5.2s11.7-7.9 12.4-23.3v-2-1.8z"></path><path fill="url(#f2-ico-prem)" d="M156.4 74c0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.2 20.2 12.3 23.3 5.8 3.5 14.4 5.4 31.8 5.2 29.5-.3 75.3-48.4 75.3-83.1z"></path></svg></span><span class="css-249bft-StyledHeadlineText e1w8lw9x7"><span>Two million reasons to celebrate if you’re near retirement</span></span></h2><p class="css-pb0uo2-StyledTeaser e1w8lw9x6">It’s been all but confirmed — Australians are set to see a $100,000 increase in the amount of money they can invest in an environment that’s completely tax-free. Here’s how to take advantage of the new limit.</p></div><div class="ew7cd2s1 CardByline css-8ail66-StyledByline-StyledCardByline ebzp2e48"><p class="CardByline-Text css-102194g-StyledBylineText ebzp2e47">Nick Bruining</p></div></a></div></div><div class="css-hzanzy-StyledGridItem elndtzg1"><div class="css-1ls5bi3-StyledPortrait ew7cd2s5" data-topic="business/your-money"><a class="css-4yofy7-StyledLink-StyledLink ew7cd2s4" href="/business/your-money/nick-bruining-qa-was-goldstate-superannuation-is-safe-as-houses-so-be-careful-before-you-shake-it-up-c-17777868"><div class="ew7cd2s3 Card-Media css-1icnwod-StyledMedia-StyledCardMedia e1m2h3dd6"><div class="Card-Media-Content css-1gbeyhl-StyledMediaContent e1m2h3dd8"><picture class="image css-q2ve4i-PictureWithIntrinsicRatio eosncpx0"><source data-ratio="16:9" media="(min-width: 768px)" srcSet="https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-16x9-x39y2187w1174h661.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-16x9-x39y2187w1174h661.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-16x9-x39y2187w1174h661.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-16x9-x39y2187w1174h661.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-16x9-x39y2187w1174h661.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-16x9-x39y2187w1174h661.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-16x9-x39y2187w1174h661.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-16x9-x39y2187w1174h661.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-16x9-x39y2187w1174h661.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 100vw,(min-width: 768px) and (max-width: 1020px) 50vw,313px"/><source data-ratio="4:3" media="(max-width: 767px)" srcSet="https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-4x3-x169y2113w979h735.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-4x3-x169y2113w979h735.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-4x3-x169y2113w979h735.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-4x3-x169y2113w979h735.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-4x3-x169y2113w979h735.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-4x3-x169y2113w979h735.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-4x3-x169y2113w979h735.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-4x3-x169y2113w979h735.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-4x3-x169y2113w979h735.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 100vw,(min-width: 768px) and (max-width: 1020px) 50vw,313px"/><img src="https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-16x9-x39y2187w1174h661.jpg?imwidth=313&impolicy=wan_v3" alt="WA’s coveted GoldState superannuation scheme for public sector workers offers government-backed returns. But an adviser’s suggestion for shift the bulk of a former teacher’s savings seems a risky strategy." class="css-16r7l45-StyledImage en5ut4d0" loading="lazy" height="661" width="661"/><noscript><img src="https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-16x9-x39y2187w1174h661.jpg?imwidth=313&impolicy=wan_v3" alt="WA’s coveted GoldState superannuation scheme for public sector workers offers government-backed returns. But an adviser’s suggestion for shift the bulk of a former teacher’s savings seems a risky strategy." class="css-tl044d-StyledNoScriptImage-StyledImage eu9mom10" /></noscript></picture></div></div><div class="ew7cd2s2 css-5s3171-StyledText-StyledCardText e1w8lw9x10"><h2 class="Card-Headline css-eq0ra1-StyledHeadline e1w8lw9x9"><span class="css-1lc8609-StyledKicker e1jes824"><span class="css-1p6fa63-StyledKickerText e1jes823">Bruining Q+A</span><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 55 49" class="StyledCommentsIcon css-101fbvt-StyledCommentsIcon e1jes821"><title>Comments</title><path d="M54 24.5v-11C54 6.4 48.4 1 41.4 1H13.6C6.6 1 1 6.6 1 13.4v11.1c0 6.9 5.6 12.4 12.6 12.4h1.3v9.7c0 1.2 1.6 1.9 2.4 1l10.8-10.7h13.3c7 0 12.6-5.5 12.6-12.4"></path></svg><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 260 260" class="css-14uybzh-StyledPremiumIcon e1jes822" role="img"><title>Premium</title><defs><linearGradient id="f1-ico-prem" x1="83.6%" x2="15.9%" y1="16.4%" y2="84.1%"><stop offset="0%" stop-color="#043DE2"></stop><stop offset="100%" stop-color="#1257E0"></stop></linearGradient><linearGradient id="f2-ico-prem" x1="104.4%" x2="3.3%" y1="4.3%" y2="104.9%"><stop offset="0%" stop-color="#F400AB"></stop><stop offset="100%" stop-color="#AA01E1"></stop></linearGradient></defs><path fill="url(#f1-ico-prem)" d="M216.6 124.8c-.7-15.5-7.4-20.4-12.4-23.4s-11-5.2-31.8-5.2c-12.4 0-16-12.3-16-22.2 0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.3 20.3 12.3 23.3 5 3 11.1 5.2 31.8 5.2 12.5 0 16 12.3 16 22.2 0 10-1.2 18 6 26.5a33 33 0 0 0 23.7 10.5h1s14-.3 22.6-10.5c7.3-8.6 6-16.6 6-26.5 0-9.9 3.6-22.2 16-22.2 20.7 0 26.8-2.2 31.8-5.2s11.7-7.9 12.4-23.3v-2-1.8z"></path><path fill="url(#f2-ico-prem)" d="M156.4 74c0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.2 20.2 12.3 23.3 5.8 3.5 14.4 5.4 31.8 5.2 29.5-.3 75.3-48.4 75.3-83.1z"></path></svg></span><span class="css-249bft-StyledHeadlineText e1w8lw9x7"><span>Stop! Do not let that money adviser touch your life savings</span></span></h2><p class="css-pb0uo2-StyledTeaser e1w8lw9x6">Q+A: WA’s coveted GoldState superannuation scheme for public sector workers offers government-backed returns. But an adviser’s suggestion to shift the bulk of a former teacher’s savings seems a risky strategy.</p></div><div class="ew7cd2s1 CardByline css-8ail66-StyledByline-StyledCardByline ebzp2e48"><p class="CardByline-Text css-102194g-StyledBylineText ebzp2e47">Nick Bruining</p></div></a></div></div></div><div class="js-content-area css-1yaevca-StyledContentWrapper e14i4kh30"><div class="css-1ew5nh1-StyledJanus eghimj81"><div class="css-ourhek-StyledGridItem eghimj80"><div class="css-5l1g3y-StyledHeader elndtzg3"><div class="css-1ayvvco-SectionHeaderContainer e1fp214b13"><a class="css-13q0ohs-HeadingLink e1fp214b7" href="/lifestyle/retirement-villages-downsizing"><div class="css-5k0trs-HeadingWrapper e1fp214b8"><h2 class="css-64qlae-Heading e1fp214b10">Retirement Living</h2><span class="css-10596bk-Divider e1fp214b9"></span></div></a></div></div><div class="css-1jyn119-StyledLima elndtzg4"><div class="css-m9dmo1-StyledGridItem elndtzg1"><div class="css-1ls5bi3-StyledPortrait ew7cd2s5" data-topic="business/your-money"><a class="css-4yofy7-StyledLink-StyledLink ew7cd2s4" href="/business/your-money/nick-bruining-qa-beware-the-massive-exit-fees-and-costs-of-selling-up-after-living-in-a-retirement-village-c-15383326"><div class="ew7cd2s3 Card-Media css-1icnwod-StyledMedia-StyledCardMedia e1m2h3dd6"><div class="Card-Media-Content css-1gbeyhl-StyledMediaContent e1m2h3dd8"><picture class="image css-q2ve4i-PictureWithIntrinsicRatio eosncpx0"><source data-ratio="16:9" media="(min-width: 768px)" srcSet="https://images.thewest.com.au/publication/C-15383326/b9726ab8654b8fb66e2d2689d353c6ea411b8f0e-16x9-x0y247w4750h2672.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-15383326/b9726ab8654b8fb66e2d2689d353c6ea411b8f0e-16x9-x0y247w4750h2672.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-15383326/b9726ab8654b8fb66e2d2689d353c6ea411b8f0e-16x9-x0y247w4750h2672.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-15383326/b9726ab8654b8fb66e2d2689d353c6ea411b8f0e-16x9-x0y247w4750h2672.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-15383326/b9726ab8654b8fb66e2d2689d353c6ea411b8f0e-16x9-x0y247w4750h2672.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-15383326/b9726ab8654b8fb66e2d2689d353c6ea411b8f0e-16x9-x0y247w4750h2672.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-15383326/b9726ab8654b8fb66e2d2689d353c6ea411b8f0e-16x9-x0y247w4750h2672.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-15383326/b9726ab8654b8fb66e2d2689d353c6ea411b8f0e-16x9-x0y247w4750h2672.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-15383326/b9726ab8654b8fb66e2d2689d353c6ea411b8f0e-16x9-x0y247w4750h2672.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 100vw,(min-width: 768px) and (max-width: 1020px) 13vw,313px"/><source data-ratio="4:3" media="(max-width: 767px)" srcSet="https://images.thewest.com.au/publication/C-15383326/b9726ab8654b8fb66e2d2689d353c6ea411b8f0e-4x3-x264y0w4221h3166.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-15383326/b9726ab8654b8fb66e2d2689d353c6ea411b8f0e-4x3-x264y0w4221h3166.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-15383326/b9726ab8654b8fb66e2d2689d353c6ea411b8f0e-4x3-x264y0w4221h3166.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-15383326/b9726ab8654b8fb66e2d2689d353c6ea411b8f0e-4x3-x264y0w4221h3166.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-15383326/b9726ab8654b8fb66e2d2689d353c6ea411b8f0e-4x3-x264y0w4221h3166.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-15383326/b9726ab8654b8fb66e2d2689d353c6ea411b8f0e-4x3-x264y0w4221h3166.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-15383326/b9726ab8654b8fb66e2d2689d353c6ea411b8f0e-4x3-x264y0w4221h3166.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-15383326/b9726ab8654b8fb66e2d2689d353c6ea411b8f0e-4x3-x264y0w4221h3166.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-15383326/b9726ab8654b8fb66e2d2689d353c6ea411b8f0e-4x3-x264y0w4221h3166.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 100vw,(min-width: 768px) and (max-width: 1020px) 13vw,313px"/><img src="https://images.thewest.com.au/publication/C-15383326/b9726ab8654b8fb66e2d2689d353c6ea411b8f0e-16x9-x0y247w4750h2672.jpg?imwidth=313&impolicy=wan_v3" alt="A man’s retirement village unit was sold for $910,000 but only $600,000 was returned by the operator. It’s not an uncommon story. Here’s why you’ll get stung when it comes time to sell." class="css-16r7l45-StyledImage en5ut4d0" loading="lazy" height="2672" width="2672"/><noscript><img src="https://images.thewest.com.au/publication/C-15383326/b9726ab8654b8fb66e2d2689d353c6ea411b8f0e-16x9-x0y247w4750h2672.jpg?imwidth=313&impolicy=wan_v3" alt="A man’s retirement village unit was sold for $910,000 but only $600,000 was returned by the operator. It’s not an uncommon story. Here’s why you’ll get stung when it comes time to sell." class="css-tl044d-StyledNoScriptImage-StyledImage eu9mom10" /></noscript></picture></div></div><div class="ew7cd2s2 css-5s3171-StyledText-StyledCardText e1w8lw9x10"><h2 class="Card-Headline css-eq0ra1-StyledHeadline e1w8lw9x9"><span class="css-1lc8609-StyledKicker e1jes824"><span class="css-1p6fa63-StyledKickerText e1jes823">Retirement Villages</span><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 55 49" class="StyledCommentsIcon css-101fbvt-StyledCommentsIcon e1jes821"><title>Comments</title><path d="M54 24.5v-11C54 6.4 48.4 1 41.4 1H13.6C6.6 1 1 6.6 1 13.4v11.1c0 6.9 5.6 12.4 12.6 12.4h1.3v9.7c0 1.2 1.6 1.9 2.4 1l10.8-10.7h13.3c7 0 12.6-5.5 12.6-12.4"></path></svg><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 260 260" class="css-14uybzh-StyledPremiumIcon e1jes822" role="img"><title>Premium</title><defs><linearGradient id="f1-ico-prem" x1="83.6%" x2="15.9%" y1="16.4%" y2="84.1%"><stop offset="0%" stop-color="#043DE2"></stop><stop offset="100%" stop-color="#1257E0"></stop></linearGradient><linearGradient id="f2-ico-prem" x1="104.4%" x2="3.3%" y1="4.3%" y2="104.9%"><stop offset="0%" stop-color="#F400AB"></stop><stop offset="100%" stop-color="#AA01E1"></stop></linearGradient></defs><path fill="url(#f1-ico-prem)" d="M216.6 124.8c-.7-15.5-7.4-20.4-12.4-23.4s-11-5.2-31.8-5.2c-12.4 0-16-12.3-16-22.2 0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.3 20.3 12.3 23.3 5 3 11.1 5.2 31.8 5.2 12.5 0 16 12.3 16 22.2 0 10-1.2 18 6 26.5a33 33 0 0 0 23.7 10.5h1s14-.3 22.6-10.5c7.3-8.6 6-16.6 6-26.5 0-9.9 3.6-22.2 16-22.2 20.7 0 26.8-2.2 31.8-5.2s11.7-7.9 12.4-23.3v-2-1.8z"></path><path fill="url(#f2-ico-prem)" d="M156.4 74c0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.2 20.2 12.3 23.3 5.8 3.5 14.4 5.4 31.8 5.2 29.5-.3 75.3-48.4 75.3-83.1z"></path></svg></span><span class="css-249bft-StyledHeadlineText e1w8lw9x7"><span>$310K to sell a retirement village unit? Is that even legal?</span></span></h2><p class="css-pb0uo2-StyledTeaser e1w8lw9x6">Q+A: A man’s retirement village unit was sold for $910,000 but only $600,000 was returned by the operator. It’s not an uncommon story. Here’s why you’ll get stung when it comes time to sell.</p></div><div class="ew7cd2s1 CardByline css-8ail66-StyledByline-StyledCardByline ebzp2e48"><p class="CardByline-Text css-102194g-StyledBylineText ebzp2e47">Nick Bruining</p></div></a></div></div><div class="css-m9dmo1-StyledGridItem elndtzg1"><div class="LandscapeCard css-z1zgmr-getLandscapeWrapperTag e1smopwg9" data-topic="business/your-money"><a class="css-1k4mfjg-StyledLink-StyledLandscapeLink e1smopwg8" href="/business/your-money/nick-bruining-qa-consider-the-centrelink-benefits-of-renting-in-a-retirement-village-instead-of-buying--c-15062232"><div class="e1smopwg4 Card-Media css-3dstgt-StyledMedia-StyledMedia e1m2h3dd6"><div class="Card-Media-Content css-1gbeyhl-StyledMediaContent e1m2h3dd8"><picture class="image css-pqz47z-PictureWithIntrinsicRatio eosncpx0"><source data-ratio="4:3" media="(min-width: 0px)" srcSet="https://images.thewest.com.au/publication/C-15062232/a4396aa0f4d83a9c5202349953e0a66454fc0af6-4x3-x1120y626w3716h2787.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-15062232/a4396aa0f4d83a9c5202349953e0a66454fc0af6-4x3-x1120y626w3716h2787.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-15062232/a4396aa0f4d83a9c5202349953e0a66454fc0af6-4x3-x1120y626w3716h2787.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-15062232/a4396aa0f4d83a9c5202349953e0a66454fc0af6-4x3-x1120y626w3716h2787.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-15062232/a4396aa0f4d83a9c5202349953e0a66454fc0af6-4x3-x1120y626w3716h2787.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-15062232/a4396aa0f4d83a9c5202349953e0a66454fc0af6-4x3-x1120y626w3716h2787.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-15062232/a4396aa0f4d83a9c5202349953e0a66454fc0af6-4x3-x1120y626w3716h2787.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-15062232/a4396aa0f4d83a9c5202349953e0a66454fc0af6-4x3-x1120y626w3716h2787.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-15062232/a4396aa0f4d83a9c5202349953e0a66454fc0af6-4x3-x1120y626w3716h2787.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 110px,(min-width: 768px) and (max-width: 1020px) 95px,140px"/><img src="https://images.thewest.com.au/publication/C-15062232/a4396aa0f4d83a9c5202349953e0a66454fc0af6-4x3-x1120y626w3716h2787.jpg?imwidth=140&impolicy=wan_v3" alt="So you’ve sold up the family home and making the move to a retirement village. But should you choose to rent instead of buying a unit outright? Here’s the hints and tricks to consider before deciding." class="css-16r7l45-StyledImage en5ut4d0" loading="lazy" height="2359" width="2359"/><noscript><img src="https://images.thewest.com.au/publication/C-15062232/a4396aa0f4d83a9c5202349953e0a66454fc0af6-4x3-x1120y626w3716h2787.jpg?imwidth=140&impolicy=wan_v3" alt="So you’ve sold up the family home and making the move to a retirement village. But should you choose to rent instead of buying a unit outright? Here’s the hints and tricks to consider before deciding." class="css-tl044d-StyledNoScriptImage-StyledImage eu9mom10" /></noscript></picture></div></div><div class="css-1ph55xy-StyledHeader e1smopwg7"><h2 class="e1smopwg6 Card-Headline css-3p030j-StyledHeadline-StyledHeadline e1w8lw9x9"><span class="css-u7n7hy-StyledKicker e1jes824"><span class="css-1p6fa63-StyledKickerText e1jes823">Your Money</span><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 55 49" class="StyledCommentsIcon css-101fbvt-StyledCommentsIcon e1jes821"><title>Comments</title><path d="M54 24.5v-11C54 6.4 48.4 1 41.4 1H13.6C6.6 1 1 6.6 1 13.4v11.1c0 6.9 5.6 12.4 12.6 12.4h1.3v9.7c0 1.2 1.6 1.9 2.4 1l10.8-10.7h13.3c7 0 12.6-5.5 12.6-12.4"></path></svg><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 260 260" class="css-14uybzh-StyledPremiumIcon e1jes822" role="img"><title>Premium</title><defs><linearGradient id="f1-ico-prem" x1="83.6%" x2="15.9%" y1="16.4%" y2="84.1%"><stop offset="0%" stop-color="#043DE2"></stop><stop offset="100%" stop-color="#1257E0"></stop></linearGradient><linearGradient id="f2-ico-prem" x1="104.4%" x2="3.3%" y1="4.3%" y2="104.9%"><stop offset="0%" stop-color="#F400AB"></stop><stop offset="100%" stop-color="#AA01E1"></stop></linearGradient></defs><path fill="url(#f1-ico-prem)" d="M216.6 124.8c-.7-15.5-7.4-20.4-12.4-23.4s-11-5.2-31.8-5.2c-12.4 0-16-12.3-16-22.2 0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.3 20.3 12.3 23.3 5 3 11.1 5.2 31.8 5.2 12.5 0 16 12.3 16 22.2 0 10-1.2 18 6 26.5a33 33 0 0 0 23.7 10.5h1s14-.3 22.6-10.5c7.3-8.6 6-16.6 6-26.5 0-9.9 3.6-22.2 16-22.2 20.7 0 26.8-2.2 31.8-5.2s11.7-7.9 12.4-23.3v-2-1.8z"></path><path fill="url(#f2-ico-prem)" d="M156.4 74c0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.2 20.2 12.3 23.3 5.8 3.5 14.4 5.4 31.8 5.2 29.5-.3 75.3-48.4 75.3-83.1z"></path></svg></span><span class="e1smopwg6 css-tnw37f-StyledHeadlineText-StyledHeadline e1w8lw9x7"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 55 49" class="e1w8lw9x3 StyledCommentsIcon css-i91420-StyledCommentsIcon-StyledCommentsIcon e1jes821"><title>Comments</title><path d="M54 24.5v-11C54 6.4 48.4 1 41.4 1H13.6C6.6 1 1 6.6 1 13.4v11.1c0 6.9 5.6 12.4 12.6 12.4h1.3v9.7c0 1.2 1.6 1.9 2.4 1l10.8-10.7h13.3c7 0 12.6-5.5 12.6-12.4"></path></svg><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 260 260" class="css-nxh6zq-StyledPremiumIcon e1w8lw9x4" role="img"><title>Premium</title><defs><linearGradient id="f1-ico-prem" x1="83.6%" x2="15.9%" y1="16.4%" y2="84.1%"><stop offset="0%" stop-color="#043DE2"></stop><stop offset="100%" stop-color="#1257E0"></stop></linearGradient><linearGradient id="f2-ico-prem" x1="104.4%" x2="3.3%" y1="4.3%" y2="104.9%"><stop offset="0%" stop-color="#F400AB"></stop><stop offset="100%" stop-color="#AA01E1"></stop></linearGradient></defs><path fill="url(#f1-ico-prem)" d="M216.6 124.8c-.7-15.5-7.4-20.4-12.4-23.4s-11-5.2-31.8-5.2c-12.4 0-16-12.3-16-22.2 0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.3 20.3 12.3 23.3 5 3 11.1 5.2 31.8 5.2 12.5 0 16 12.3 16 22.2 0 10-1.2 18 6 26.5a33 33 0 0 0 23.7 10.5h1s14-.3 22.6-10.5c7.3-8.6 6-16.6 6-26.5 0-9.9 3.6-22.2 16-22.2 20.7 0 26.8-2.2 31.8-5.2s11.7-7.9 12.4-23.3v-2-1.8z"></path><path fill="url(#f2-ico-prem)" d="M156.4 74c0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.2 20.2 12.3 23.3 5.8 3.5 14.4 5.4 31.8 5.2 29.5-.3 75.3-48.4 75.3-83.1z"></path></svg><span>Buy or rent in retirees village? The answer may surprise you</span></span></h2><p class="e1smopwg3 css-1j4td8d-StyledTeaser-StyledTeaser e1w8lw9x6">Q+A: So you’ve sold up the family home and making the move to a retirement village. But should you choose to rent instead of buying a unit outright? Here’s the hints and tricks to consider before deciding.</p><div class="css-1t57q22-StyledInlineWrapper e1smopwg0"></div></div></a></div><div class="LandscapeCard css-z1zgmr-getLandscapeWrapperTag e1smopwg9" data-topic="business/your-money"><a class="css-1k4mfjg-StyledLink-StyledLandscapeLink e1smopwg8" href="/business/your-money/nick-bruining-aged-care-expert-reveals-fees-and-charges-that-will-be-likely-targets-after-task-force-report-c-14035200"><div class="e1smopwg4 Card-Media css-3dstgt-StyledMedia-StyledMedia e1m2h3dd6"><div class="Card-Media-Content css-1gbeyhl-StyledMediaContent e1m2h3dd8"><picture class="image css-pqz47z-PictureWithIntrinsicRatio eosncpx0"><source data-ratio="4:3" media="(min-width: 0px)" srcSet="https://images.thewest.com.au/publication/C-14035200/bf10b0b0e5f576e41c24887a000025a9ed52af5b-4x3-x331y0w5355h4016.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-14035200/bf10b0b0e5f576e41c24887a000025a9ed52af5b-4x3-x331y0w5355h4016.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-14035200/bf10b0b0e5f576e41c24887a000025a9ed52af5b-4x3-x331y0w5355h4016.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-14035200/bf10b0b0e5f576e41c24887a000025a9ed52af5b-4x3-x331y0w5355h4016.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-14035200/bf10b0b0e5f576e41c24887a000025a9ed52af5b-4x3-x331y0w5355h4016.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-14035200/bf10b0b0e5f576e41c24887a000025a9ed52af5b-4x3-x331y0w5355h4016.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-14035200/bf10b0b0e5f576e41c24887a000025a9ed52af5b-4x3-x331y0w5355h4016.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-14035200/bf10b0b0e5f576e41c24887a000025a9ed52af5b-4x3-x331y0w5355h4016.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-14035200/bf10b0b0e5f576e41c24887a000025a9ed52af5b-4x3-x331y0w5355h4016.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 110px,(min-width: 768px) and (max-width: 1020px) 95px,140px"/><img src="https://images.thewest.com.au/publication/C-14035200/bf10b0b0e5f576e41c24887a000025a9ed52af5b-4x3-x331y0w5355h4016.jpg?imwidth=140&impolicy=wan_v3" alt="Aged care expert Louise Biti, from Aged Care Steps, has flagged some of the changes already announced in the task force report and likely to be implemented over the next few years." class="css-16r7l45-StyledImage en5ut4d0" loading="lazy" height="3384" width="3384"/><noscript><img src="https://images.thewest.com.au/publication/C-14035200/bf10b0b0e5f576e41c24887a000025a9ed52af5b-4x3-x331y0w5355h4016.jpg?imwidth=140&impolicy=wan_v3" alt="Aged care expert Louise Biti, from Aged Care Steps, has flagged some of the changes already announced in the task force report and likely to be implemented over the next few years." class="css-tl044d-StyledNoScriptImage-StyledImage eu9mom10" /></noscript></picture></div></div><div class="css-1ph55xy-StyledHeader e1smopwg7"><h2 class="e1smopwg6 Card-Headline css-3p030j-StyledHeadline-StyledHeadline e1w8lw9x9"><span class="css-u7n7hy-StyledKicker e1jes824"><span class="css-1p6fa63-StyledKickerText e1jes823">Your Money</span><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 55 49" class="StyledCommentsIcon css-101fbvt-StyledCommentsIcon e1jes821"><title>Comments</title><path d="M54 24.5v-11C54 6.4 48.4 1 41.4 1H13.6C6.6 1 1 6.6 1 13.4v11.1c0 6.9 5.6 12.4 12.6 12.4h1.3v9.7c0 1.2 1.6 1.9 2.4 1l10.8-10.7h13.3c7 0 12.6-5.5 12.6-12.4"></path></svg><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 260 260" class="css-14uybzh-StyledPremiumIcon e1jes822" role="img"><title>Premium</title><defs><linearGradient id="f1-ico-prem" x1="83.6%" x2="15.9%" y1="16.4%" y2="84.1%"><stop offset="0%" stop-color="#043DE2"></stop><stop offset="100%" stop-color="#1257E0"></stop></linearGradient><linearGradient id="f2-ico-prem" x1="104.4%" x2="3.3%" y1="4.3%" y2="104.9%"><stop offset="0%" stop-color="#F400AB"></stop><stop offset="100%" stop-color="#AA01E1"></stop></linearGradient></defs><path fill="url(#f1-ico-prem)" d="M216.6 124.8c-.7-15.5-7.4-20.4-12.4-23.4s-11-5.2-31.8-5.2c-12.4 0-16-12.3-16-22.2 0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.3 20.3 12.3 23.3 5 3 11.1 5.2 31.8 5.2 12.5 0 16 12.3 16 22.2 0 10-1.2 18 6 26.5a33 33 0 0 0 23.7 10.5h1s14-.3 22.6-10.5c7.3-8.6 6-16.6 6-26.5 0-9.9 3.6-22.2 16-22.2 20.7 0 26.8-2.2 31.8-5.2s11.7-7.9 12.4-23.3v-2-1.8z"></path><path fill="url(#f2-ico-prem)" d="M156.4 74c0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.2 20.2 12.3 23.3 5.8 3.5 14.4 5.4 31.8 5.2 29.5-.3 75.3-48.4 75.3-83.1z"></path></svg></span><span class="e1smopwg6 css-tnw37f-StyledHeadlineText-StyledHeadline e1w8lw9x7"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 55 49" class="e1w8lw9x3 StyledCommentsIcon css-i91420-StyledCommentsIcon-StyledCommentsIcon e1jes821"><title>Comments</title><path d="M54 24.5v-11C54 6.4 48.4 1 41.4 1H13.6C6.6 1 1 6.6 1 13.4v11.1c0 6.9 5.6 12.4 12.6 12.4h1.3v9.7c0 1.2 1.6 1.9 2.4 1l10.8-10.7h13.3c7 0 12.6-5.5 12.6-12.4"></path></svg><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 260 260" class="css-nxh6zq-StyledPremiumIcon e1w8lw9x4" role="img"><title>Premium</title><defs><linearGradient id="f1-ico-prem" x1="83.6%" x2="15.9%" y1="16.4%" y2="84.1%"><stop offset="0%" stop-color="#043DE2"></stop><stop offset="100%" stop-color="#1257E0"></stop></linearGradient><linearGradient id="f2-ico-prem" x1="104.4%" x2="3.3%" y1="4.3%" y2="104.9%"><stop offset="0%" stop-color="#F400AB"></stop><stop offset="100%" stop-color="#AA01E1"></stop></linearGradient></defs><path fill="url(#f1-ico-prem)" d="M216.6 124.8c-.7-15.5-7.4-20.4-12.4-23.4s-11-5.2-31.8-5.2c-12.4 0-16-12.3-16-22.2 0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.3 20.3 12.3 23.3 5 3 11.1 5.2 31.8 5.2 12.5 0 16 12.3 16 22.2 0 10-1.2 18 6 26.5a33 33 0 0 0 23.7 10.5h1s14-.3 22.6-10.5c7.3-8.6 6-16.6 6-26.5 0-9.9 3.6-22.2 16-22.2 20.7 0 26.8-2.2 31.8-5.2s11.7-7.9 12.4-23.3v-2-1.8z"></path><path fill="url(#f2-ico-prem)" d="M156.4 74c0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.2 20.2 12.3 23.3 5.8 3.5 14.4 5.4 31.8 5.2 29.5-.3 75.3-48.4 75.3-83.1z"></path></svg><span>The aged care fees and limits to be targets of shake-up</span></span></h2><p class="e1smopwg3 css-1j4td8d-StyledTeaser-StyledTeaser e1w8lw9x6">The biggest changes to come out of the Aged Care Taskforce are those surrounding residential aged care and the amount you’ll be asked to chip in. Here’s what an aged care expert says is likely to be targeted.</p><div class="css-1t57q22-StyledInlineWrapper e1smopwg0"></div></div></a></div><div class="LandscapeCard css-z1zgmr-getLandscapeWrapperTag e1smopwg9" data-topic="business/your-money"><a class="css-1k4mfjg-StyledLink-StyledLandscapeLink e1smopwg8" href="/business/your-money/nick-bruining-qa-aged-care-costs-pensions-and-the-family-home-its-complicated-so-you-need-to-get-it-right-c-12642419"><div class="e1smopwg4 Card-Media css-3dstgt-StyledMedia-StyledMedia e1m2h3dd6"><div class="Card-Media-Content css-1gbeyhl-StyledMediaContent e1m2h3dd8"><picture class="image css-pqz47z-PictureWithIntrinsicRatio eosncpx0"><source data-ratio="4:3" media="(min-width: 0px)" srcSet="https://images.thewest.com.au/publication/C-12642419/7fd07d7b3d815ef3f7b95cc0c843e2c1a413dad0-4x3-x0y0w1551h1163.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-12642419/7fd07d7b3d815ef3f7b95cc0c843e2c1a413dad0-4x3-x0y0w1551h1163.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-12642419/7fd07d7b3d815ef3f7b95cc0c843e2c1a413dad0-4x3-x0y0w1551h1163.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-12642419/7fd07d7b3d815ef3f7b95cc0c843e2c1a413dad0-4x3-x0y0w1551h1163.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-12642419/7fd07d7b3d815ef3f7b95cc0c843e2c1a413dad0-4x3-x0y0w1551h1163.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-12642419/7fd07d7b3d815ef3f7b95cc0c843e2c1a413dad0-4x3-x0y0w1551h1163.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-12642419/7fd07d7b3d815ef3f7b95cc0c843e2c1a413dad0-4x3-x0y0w1551h1163.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-12642419/7fd07d7b3d815ef3f7b95cc0c843e2c1a413dad0-4x3-x0y0w1551h1163.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-12642419/7fd07d7b3d815ef3f7b95cc0c843e2c1a413dad0-4x3-x0y0w1551h1163.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 110px,(min-width: 768px) and (max-width: 1020px) 95px,140px"/><img src="https://images.thewest.com.au/publication/C-12642419/7fd07d7b3d815ef3f7b95cc0c843e2c1a413dad0-4x3-x0y0w1551h1163.jpg?imwidth=140&impolicy=wan_v3" alt="A complex aged care system means you need to understand how it all works to ensure you’re maximising your pension and using the family home to help offset the cost burden." class="css-16r7l45-StyledImage en5ut4d0" loading="lazy" height="872" width="872"/><noscript><img src="https://images.thewest.com.au/publication/C-12642419/7fd07d7b3d815ef3f7b95cc0c843e2c1a413dad0-4x3-x0y0w1551h1163.jpg?imwidth=140&impolicy=wan_v3" alt="A complex aged care system means you need to understand how it all works to ensure you’re maximising your pension and using the family home to help offset the cost burden." class="css-tl044d-StyledNoScriptImage-StyledImage eu9mom10" /></noscript></picture></div></div><div class="css-1ph55xy-StyledHeader e1smopwg7"><h2 class="e1smopwg6 Card-Headline css-3p030j-StyledHeadline-StyledHeadline e1w8lw9x9"><span class="css-u7n7hy-StyledKicker e1jes824"><span class="css-1p6fa63-StyledKickerText e1jes823">Aged care costs are complicated</span><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 55 49" class="StyledCommentsIcon css-101fbvt-StyledCommentsIcon e1jes821"><title>Comments</title><path d="M54 24.5v-11C54 6.4 48.4 1 41.4 1H13.6C6.6 1 1 6.6 1 13.4v11.1c0 6.9 5.6 12.4 12.6 12.4h1.3v9.7c0 1.2 1.6 1.9 2.4 1l10.8-10.7h13.3c7 0 12.6-5.5 12.6-12.4"></path></svg><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 260 260" class="css-14uybzh-StyledPremiumIcon e1jes822" role="img"><title>Premium</title><defs><linearGradient id="f1-ico-prem" x1="83.6%" x2="15.9%" y1="16.4%" y2="84.1%"><stop offset="0%" stop-color="#043DE2"></stop><stop offset="100%" stop-color="#1257E0"></stop></linearGradient><linearGradient id="f2-ico-prem" x1="104.4%" x2="3.3%" y1="4.3%" y2="104.9%"><stop offset="0%" stop-color="#F400AB"></stop><stop offset="100%" stop-color="#AA01E1"></stop></linearGradient></defs><path fill="url(#f1-ico-prem)" d="M216.6 124.8c-.7-15.5-7.4-20.4-12.4-23.4s-11-5.2-31.8-5.2c-12.4 0-16-12.3-16-22.2 0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.3 20.3 12.3 23.3 5 3 11.1 5.2 31.8 5.2 12.5 0 16 12.3 16 22.2 0 10-1.2 18 6 26.5a33 33 0 0 0 23.7 10.5h1s14-.3 22.6-10.5c7.3-8.6 6-16.6 6-26.5 0-9.9 3.6-22.2 16-22.2 20.7 0 26.8-2.2 31.8-5.2s11.7-7.9 12.4-23.3v-2-1.8z"></path><path fill="url(#f2-ico-prem)" d="M156.4 74c0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.2 20.2 12.3 23.3 5.8 3.5 14.4 5.4 31.8 5.2 29.5-.3 75.3-48.4 75.3-83.1z"></path></svg></span><span class="e1smopwg6 css-tnw37f-StyledHeadlineText-StyledHeadline e1w8lw9x7"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 55 49" class="e1w8lw9x3 StyledCommentsIcon css-i91420-StyledCommentsIcon-StyledCommentsIcon e1jes821"><title>Comments</title><path d="M54 24.5v-11C54 6.4 48.4 1 41.4 1H13.6C6.6 1 1 6.6 1 13.4v11.1c0 6.9 5.6 12.4 12.6 12.4h1.3v9.7c0 1.2 1.6 1.9 2.4 1l10.8-10.7h13.3c7 0 12.6-5.5 12.6-12.4"></path></svg><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 260 260" class="css-nxh6zq-StyledPremiumIcon e1w8lw9x4" role="img"><title>Premium</title><defs><linearGradient id="f1-ico-prem" x1="83.6%" x2="15.9%" y1="16.4%" y2="84.1%"><stop offset="0%" stop-color="#043DE2"></stop><stop offset="100%" stop-color="#1257E0"></stop></linearGradient><linearGradient id="f2-ico-prem" x1="104.4%" x2="3.3%" y1="4.3%" y2="104.9%"><stop offset="0%" stop-color="#F400AB"></stop><stop offset="100%" stop-color="#AA01E1"></stop></linearGradient></defs><path fill="url(#f1-ico-prem)" d="M216.6 124.8c-.7-15.5-7.4-20.4-12.4-23.4s-11-5.2-31.8-5.2c-12.4 0-16-12.3-16-22.2 0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.3 20.3 12.3 23.3 5 3 11.1 5.2 31.8 5.2 12.5 0 16 12.3 16 22.2 0 10-1.2 18 6 26.5a33 33 0 0 0 23.7 10.5h1s14-.3 22.6-10.5c7.3-8.6 6-16.6 6-26.5 0-9.9 3.6-22.2 16-22.2 20.7 0 26.8-2.2 31.8-5.2s11.7-7.9 12.4-23.3v-2-1.8z"></path><path fill="url(#f2-ico-prem)" d="M156.4 74c0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.2 20.2 12.3 23.3 5.8 3.5 14.4 5.4 31.8 5.2 29.5-.3 75.3-48.4 75.3-83.1z"></path></svg><span>Aged care costs are complicated so you need to get it right</span></span></h2><p class="e1smopwg3 css-1j4td8d-StyledTeaser-StyledTeaser e1w8lw9x6">A complex aged care system means you need to get on top of it to ensure you’re maximising your pension and using the family home to help offset the cost burden.</p><div class="css-1t57q22-StyledInlineWrapper e1smopwg0"></div></div></a></div></div></div></div><div class="css-ourhek-StyledGridItem eghimj80"><div class="css-5l1g3y-StyledHeader elndtzg3"><div class="css-1ayvvco-SectionHeaderContainer e1fp214b13"><a class="css-13q0ohs-HeadingLink e1fp214b7" href="/lifestyle/aged-care"><div class="css-5k0trs-HeadingWrapper e1fp214b8"><h2 class="css-64qlae-Heading e1fp214b10">Aged Care</h2><span class="css-10596bk-Divider e1fp214b9"></span></div></a></div></div><div class="css-1jyn119-StyledLima elndtzg4"><div class="css-m9dmo1-StyledGridItem elndtzg1"><div class="css-1ls5bi3-StyledPortrait ew7cd2s5" data-topic="business/your-money"><a class="css-4yofy7-StyledLink-StyledLink ew7cd2s4" href="/business/your-money/nick-bruining-first-hand-lessons-ive-learnt-the-hard-way-about-our-often-sketchy-home-care-system--c-17710757"><div class="ew7cd2s3 Card-Media css-1icnwod-StyledMedia-StyledCardMedia e1m2h3dd6"><div class="Card-Media-Content css-1gbeyhl-StyledMediaContent e1m2h3dd8"><picture class="image css-q2ve4i-PictureWithIntrinsicRatio eosncpx0"><source data-ratio="16:9" media="(min-width: 768px)" srcSet="https://images.thewest.com.au/publication/C-17710757/62e65905cc467825a970332cf6b1bfec56bd7c88-16x9-x49y487w4900h2756.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-17710757/62e65905cc467825a970332cf6b1bfec56bd7c88-16x9-x49y487w4900h2756.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-17710757/62e65905cc467825a970332cf6b1bfec56bd7c88-16x9-x49y487w4900h2756.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-17710757/62e65905cc467825a970332cf6b1bfec56bd7c88-16x9-x49y487w4900h2756.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-17710757/62e65905cc467825a970332cf6b1bfec56bd7c88-16x9-x49y487w4900h2756.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-17710757/62e65905cc467825a970332cf6b1bfec56bd7c88-16x9-x49y487w4900h2756.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-17710757/62e65905cc467825a970332cf6b1bfec56bd7c88-16x9-x49y487w4900h2756.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-17710757/62e65905cc467825a970332cf6b1bfec56bd7c88-16x9-x49y487w4900h2756.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-17710757/62e65905cc467825a970332cf6b1bfec56bd7c88-16x9-x49y487w4900h2756.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 100vw,(min-width: 768px) and (max-width: 1020px) 13vw,313px"/><source data-ratio="4:3" media="(max-width: 767px)" srcSet="https://images.thewest.com.au/publication/C-17710757/62e65905cc467825a970332cf6b1bfec56bd7c88-4x3-x391y469w4069h3052.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-17710757/62e65905cc467825a970332cf6b1bfec56bd7c88-4x3-x391y469w4069h3052.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-17710757/62e65905cc467825a970332cf6b1bfec56bd7c88-4x3-x391y469w4069h3052.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-17710757/62e65905cc467825a970332cf6b1bfec56bd7c88-4x3-x391y469w4069h3052.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-17710757/62e65905cc467825a970332cf6b1bfec56bd7c88-4x3-x391y469w4069h3052.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-17710757/62e65905cc467825a970332cf6b1bfec56bd7c88-4x3-x391y469w4069h3052.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-17710757/62e65905cc467825a970332cf6b1bfec56bd7c88-4x3-x391y469w4069h3052.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-17710757/62e65905cc467825a970332cf6b1bfec56bd7c88-4x3-x391y469w4069h3052.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-17710757/62e65905cc467825a970332cf6b1bfec56bd7c88-4x3-x391y469w4069h3052.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 100vw,(min-width: 768px) and (max-width: 1020px) 13vw,313px"/><img src="https://images.thewest.com.au/publication/C-17710757/62e65905cc467825a970332cf6b1bfec56bd7c88-16x9-x49y487w4900h2756.jpg?imwidth=313&impolicy=wan_v3" alt="Your Money columnist Nick Bruining and his mum." class="css-16r7l45-StyledImage en5ut4d0" loading="lazy" height="2756" width="2756"/><noscript><img src="https://images.thewest.com.au/publication/C-17710757/62e65905cc467825a970332cf6b1bfec56bd7c88-16x9-x49y487w4900h2756.jpg?imwidth=313&impolicy=wan_v3" alt="Your Money columnist Nick Bruining and his mum." class="css-tl044d-StyledNoScriptImage-StyledImage eu9mom10" /></noscript></picture></div></div><div class="ew7cd2s2 css-5s3171-StyledText-StyledCardText e1w8lw9x10"><h2 class="Card-Headline css-eq0ra1-StyledHeadline e1w8lw9x9"><span class="css-1lc8609-StyledKicker e1jes824"><span class="css-1p6fa63-StyledKickerText e1jes823">Your Money</span><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 55 49" class="StyledCommentsIcon css-101fbvt-StyledCommentsIcon e1jes821"><title>Comments</title><path d="M54 24.5v-11C54 6.4 48.4 1 41.4 1H13.6C6.6 1 1 6.6 1 13.4v11.1c0 6.9 5.6 12.4 12.6 12.4h1.3v9.7c0 1.2 1.6 1.9 2.4 1l10.8-10.7h13.3c7 0 12.6-5.5 12.6-12.4"></path></svg></span><span class="css-249bft-StyledHeadlineText e1w8lw9x7"><span>Lessons I’ve learnt the hard way about in-home care system </span></span></h2><p class="css-pb0uo2-StyledTeaser e1w8lw9x6">As someone who has experienced the home care system through my mum, I have first-hand knowledge of the pros and cons of how it operates. Here’s what happened to us . . . </p></div><div class="ew7cd2s1 CardByline css-8ail66-StyledByline-StyledCardByline ebzp2e48"><p class="CardByline-Text css-102194g-StyledBylineText ebzp2e47">Nick Bruining</p></div></a></div></div><div class="css-m9dmo1-StyledGridItem elndtzg1"><div class="LandscapeCard css-z1zgmr-getLandscapeWrapperTag e1smopwg9" data-topic="business/your-money"><a class="css-1k4mfjg-StyledLink-StyledLandscapeLink e1smopwg8" href="/business/your-money/nick-bruining-diy-consumer-directed-aged-care-puts-seniors-in-charge-and-saves-them-thousands-c-17710352"><div class="e1smopwg4 Card-Media css-3dstgt-StyledMedia-StyledMedia e1m2h3dd6"><div class="Card-Media-Content css-1gbeyhl-StyledMediaContent e1m2h3dd8"><picture class="image css-pqz47z-PictureWithIntrinsicRatio eosncpx0"><source data-ratio="4:3" media="(min-width: 0px)" srcSet="https://images.thewest.com.au/publication/C-17710352/3f3662a5457a45d58af1d397cba705586e79c368-4x3-x0y117w4000h3000.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-17710352/3f3662a5457a45d58af1d397cba705586e79c368-4x3-x0y117w4000h3000.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-17710352/3f3662a5457a45d58af1d397cba705586e79c368-4x3-x0y117w4000h3000.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-17710352/3f3662a5457a45d58af1d397cba705586e79c368-4x3-x0y117w4000h3000.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-17710352/3f3662a5457a45d58af1d397cba705586e79c368-4x3-x0y117w4000h3000.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-17710352/3f3662a5457a45d58af1d397cba705586e79c368-4x3-x0y117w4000h3000.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-17710352/3f3662a5457a45d58af1d397cba705586e79c368-4x3-x0y117w4000h3000.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-17710352/3f3662a5457a45d58af1d397cba705586e79c368-4x3-x0y117w4000h3000.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-17710352/3f3662a5457a45d58af1d397cba705586e79c368-4x3-x0y117w4000h3000.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 110px,(min-width: 768px) and (max-width: 1020px) 95px,140px"/><img src="https://images.thewest.com.au/publication/C-17710352/3f3662a5457a45d58af1d397cba705586e79c368-4x3-x0y117w4000h3000.jpg?imwidth=140&impolicy=wan_v3" alt="With big at-home care providers charging massive administration fees and ridiculous mark-ups on basic services, it’s no wonder seniors are taking charge of their own care. Here’s how they’re saving thousands." class="css-16r7l45-StyledImage en5ut4d0" loading="lazy" height="2250" width="2250"/><noscript><img src="https://images.thewest.com.au/publication/C-17710352/3f3662a5457a45d58af1d397cba705586e79c368-4x3-x0y117w4000h3000.jpg?imwidth=140&impolicy=wan_v3" alt="With big at-home care providers charging massive administration fees and ridiculous mark-ups on basic services, it’s no wonder seniors are taking charge of their own care. Here’s how they’re saving thousands." class="css-tl044d-StyledNoScriptImage-StyledImage eu9mom10" /></noscript></picture></div></div><div class="css-1ph55xy-StyledHeader e1smopwg7"><h2 class="e1smopwg6 Card-Headline css-3p030j-StyledHeadline-StyledHeadline e1w8lw9x9"><div class="e1w8lw9x2 StyledEditorialLabelClass css-mead11-StyledEditorialLabel-StyledEditorialLabel e1a5u8qn6"><svg viewBox="0 0 74 65" xmlns="http://www.w3.org/2000/svg" class="css-1k1s4dz-StyledTheWestMark e1a5u8qn2"><title>The West Australian</title><path fill="#043de2" d="M36.28 52.4c-4.83-6.57-4.28-16.44 5.86-25.37l-.05 29.82 8.8-7.9V26.7l2-1.9 3.7 3.72v26.95c-6.5 4.2-15.7 3.35-20.4-3.02zm36.9 1.57l-2.73 2.73-4.65-4.67.1-26.42 3.43-3.4-.68-.6-2.78 2.8-7-7.1-7.9 8.1v-7.9c-1.15 1.16-3.55 2.95-6.02 2.7-3.7-.34-6.84-2.05-10.9-2.05-4.73-.05-8.05 2.55-8.05 6.4 0 3.5 1.76 5.13 5.7 5.14-3.04-1.1-3.88-1.5-3.88-3.1 0-1.5 1.55-2.2 3.62-2.2 3.24 0 5.47 1.6 10.64 1.6-15.1 12.3-19.65 22.1-13.45 30.4-6.26 2.82-14.1 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5.2 12.5 0 16 12.3 16 22.2 0 10-1.2 18 6 26.5a33 33 0 0 0 23.7 10.5h1s14-.3 22.6-10.5c7.3-8.6 6-16.6 6-26.5 0-9.9 3.6-22.2 16-22.2 20.7 0 26.8-2.2 31.8-5.2s11.7-7.9 12.4-23.3v-2-1.8z"></path><path fill="url(#f2-ico-prem)" d="M156.4 74c0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.2 20.2 12.3 23.3 5.8 3.5 14.4 5.4 31.8 5.2 29.5-.3 75.3-48.4 75.3-83.1z"></path></svg></span><span class="e1smopwg6 css-tnw37f-StyledHeadlineText-StyledHeadline e1w8lw9x7"><div class="e1w8lw9x0 StyledEditorialLabelClass css-14pmc52-StyledEditorialLabel-StyledHeadlineEditorialLabel e1a5u8qn6"><svg viewBox="0 0 74 65" xmlns="http://www.w3.org/2000/svg" class="css-1k1s4dz-StyledTheWestMark e1a5u8qn2"><title>The West Australian</title><path fill="#043de2" d="M36.28 52.4c-4.83-6.57-4.28-16.44 5.86-25.37l-.05 29.82 8.8-7.9V26.7l2-1.9 3.7 3.72v26.95c-6.5 4.2-15.7 3.35-20.4-3.02zm36.9 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24.5v-11C54 6.4 48.4 1 41.4 1H13.6C6.6 1 1 6.6 1 13.4v11.1c0 6.9 5.6 12.4 12.6 12.4h1.3v9.7c0 1.2 1.6 1.9 2.4 1l10.8-10.7h13.3c7 0 12.6-5.5 12.6-12.4"></path></svg><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 260 260" class="css-nxh6zq-StyledPremiumIcon e1w8lw9x4" role="img"><title>Premium</title><defs><linearGradient id="f1-ico-prem" x1="83.6%" x2="15.9%" y1="16.4%" y2="84.1%"><stop offset="0%" stop-color="#043DE2"></stop><stop offset="100%" stop-color="#1257E0"></stop></linearGradient><linearGradient id="f2-ico-prem" x1="104.4%" x2="3.3%" y1="4.3%" y2="104.9%"><stop offset="0%" stop-color="#F400AB"></stop><stop offset="100%" stop-color="#AA01E1"></stop></linearGradient></defs><path fill="url(#f1-ico-prem)" d="M216.6 124.8c-.7-15.5-7.4-20.4-12.4-23.4s-11-5.2-31.8-5.2c-12.4 0-16-12.3-16-22.2 0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.3 20.3 12.3 23.3 5 3 11.1 5.2 31.8 5.2 12.5 0 16 12.3 16 22.2 0 10-1.2 18 6 26.5a33 33 0 0 0 23.7 10.5h1s14-.3 22.6-10.5c7.3-8.6 6-16.6 6-26.5 0-9.9 3.6-22.2 16-22.2 20.7 0 26.8-2.2 31.8-5.2s11.7-7.9 12.4-23.3v-2-1.8z"></path><path fill="url(#f2-ico-prem)" d="M156.4 74c0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.2 20.2 12.3 23.3 5.8 3.5 14.4 5.4 31.8 5.2 29.5-.3 75.3-48.4 75.3-83.1z"></path></svg><span>The DIY aged-care trend saving seniors thousands in fees </span></span></h2><p class="e1smopwg3 css-1j4td8d-StyledTeaser-StyledTeaser e1w8lw9x6">With big at-home care providers charging massive administration fees and ridiculous mark-ups on basic services, it’s no wonder seniors are taking charge of their own care. Here’s how they’re saving thousands.</p><div class="css-1t57q22-StyledInlineWrapper e1smopwg0"></div></div></a></div><div class="LandscapeCard css-z1zgmr-getLandscapeWrapperTag e1smopwg9" data-topic="politics/wa-election-2025"><a class="css-1k4mfjg-StyledLink-StyledLandscapeLink e1smopwg8" href="/politics/wa-election-2025/premier-roger-cook-steps-in-to-fix-aged-care-shortage-with-140m-package--c-17694810"><div class="e1smopwg4 Card-Media css-3dstgt-StyledMedia-StyledMedia e1m2h3dd6"><div class="Card-Media-Content css-1gbeyhl-StyledMediaContent e1m2h3dd8"><picture class="image css-pqz47z-PictureWithIntrinsicRatio eosncpx0"><source data-ratio="4:3" media="(min-width: 0px)" srcSet="https://images.thewest.com.au/publication/C-17694810/66a77529cd87cc32e40fa88ccb1ec8bb8abd9ea0-4x3-x318y0w5088h3816.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-17694810/66a77529cd87cc32e40fa88ccb1ec8bb8abd9ea0-4x3-x318y0w5088h3816.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-17694810/66a77529cd87cc32e40fa88ccb1ec8bb8abd9ea0-4x3-x318y0w5088h3816.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-17694810/66a77529cd87cc32e40fa88ccb1ec8bb8abd9ea0-4x3-x318y0w5088h3816.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-17694810/66a77529cd87cc32e40fa88ccb1ec8bb8abd9ea0-4x3-x318y0w5088h3816.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-17694810/66a77529cd87cc32e40fa88ccb1ec8bb8abd9ea0-4x3-x318y0w5088h3816.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-17694810/66a77529cd87cc32e40fa88ccb1ec8bb8abd9ea0-4x3-x318y0w5088h3816.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-17694810/66a77529cd87cc32e40fa88ccb1ec8bb8abd9ea0-4x3-x318y0w5088h3816.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-17694810/66a77529cd87cc32e40fa88ccb1ec8bb8abd9ea0-4x3-x318y0w5088h3816.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 110px,(min-width: 768px) and (max-width: 1020px) 95px,140px"/><img src="https://images.thewest.com.au/publication/C-17694810/66a77529cd87cc32e40fa88ccb1ec8bb8abd9ea0-4x3-x318y0w5088h3816.jpg?imwidth=140&impolicy=wan_v3" alt="WA Premier Roger Cook speaks with resident Ricky Roberts at Brightwater in Kingsley. " class="css-16r7l45-StyledImage en5ut4d0" loading="lazy" height="3220" width="3220"/><noscript><img src="https://images.thewest.com.au/publication/C-17694810/66a77529cd87cc32e40fa88ccb1ec8bb8abd9ea0-4x3-x318y0w5088h3816.jpg?imwidth=140&impolicy=wan_v3" alt="WA Premier Roger Cook speaks with resident Ricky Roberts at Brightwater in Kingsley. " class="css-tl044d-StyledNoScriptImage-StyledImage eu9mom10" /></noscript></picture></div></div><div class="css-1ph55xy-StyledHeader e1smopwg7"><h2 class="e1smopwg6 Card-Headline css-3p030j-StyledHeadline-StyledHeadline e1w8lw9x9"><span class="css-u7n7hy-StyledKicker e1jes824"><span class="css-1p6fa63-StyledKickerText e1jes823">state politics</span><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 55 49" class="StyledCommentsIcon css-101fbvt-StyledCommentsIcon e1jes821"><title>Comments</title><path d="M54 24.5v-11C54 6.4 48.4 1 41.4 1H13.6C6.6 1 1 6.6 1 13.4v11.1c0 6.9 5.6 12.4 12.6 12.4h1.3v9.7c0 1.2 1.6 1.9 2.4 1l10.8-10.7h13.3c7 0 12.6-5.5 12.6-12.4"></path></svg><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 260 260" class="css-14uybzh-StyledPremiumIcon e1jes822" role="img"><title>Premium</title><defs><linearGradient id="f1-ico-prem" x1="83.6%" x2="15.9%" y1="16.4%" y2="84.1%"><stop offset="0%" stop-color="#043DE2"></stop><stop offset="100%" 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stop-color="#AA01E1"></stop></linearGradient></defs><path fill="url(#f1-ico-prem)" d="M216.6 124.8c-.7-15.5-7.4-20.4-12.4-23.4s-11-5.2-31.8-5.2c-12.4 0-16-12.3-16-22.2 0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.3 20.3 12.3 23.3 5 3 11.1 5.2 31.8 5.2 12.5 0 16 12.3 16 22.2 0 10-1.2 18 6 26.5a33 33 0 0 0 23.7 10.5h1s14-.3 22.6-10.5c7.3-8.6 6-16.6 6-26.5 0-9.9 3.6-22.2 16-22.2 20.7 0 26.8-2.2 31.8-5.2s11.7-7.9 12.4-23.3v-2-1.8z"></path><path fill="url(#f2-ico-prem)" d="M156.4 74c0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.2 20.2 12.3 23.3 5.8 3.5 14.4 5.4 31.8 5.2 29.5-.3 75.3-48.4 75.3-83.1z"></path></svg><span>WA’s ‘boomer problem’ blamed on Canberra</span></span></h2><p class="e1smopwg3 css-1j4td8d-StyledTeaser-StyledTeaser e1w8lw9x6">WA will go it alone to set up a $100 million loan facility for aged care, to fix a bed shortage that Roger Cook has blamed for the growing number of sick boomers overwhelming Perth hospitals. </p><div class="css-1t57q22-StyledInlineWrapper e1smopwg0"></div></div></a></div><div class="LandscapeCard css-z1zgmr-getLandscapeWrapperTag e1smopwg9" data-topic="business/your-money"><a class="css-1k4mfjg-StyledLink-StyledLandscapeLink e1smopwg8" href="/business/your-money/nick-bruining-qa-should-i-put-dads-house-in-my-name-to-cut-aged-care-cost-c-17621043"><div class="e1smopwg4 Card-Media css-3dstgt-StyledMedia-StyledMedia e1m2h3dd6"><div class="Card-Media-Content css-1gbeyhl-StyledMediaContent e1m2h3dd8"><picture class="image css-pqz47z-PictureWithIntrinsicRatio eosncpx0"><source data-ratio="4:3" media="(min-width: 0px)" srcSet="https://images.thewest.com.au/publication/C-17621043/a89e2f2e395b69e621c6e3c94f0daeff56d1b284-4x3-x1311y569w3588h2691.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-17621043/a89e2f2e395b69e621c6e3c94f0daeff56d1b284-4x3-x1311y569w3588h2691.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-17621043/a89e2f2e395b69e621c6e3c94f0daeff56d1b284-4x3-x1311y569w3588h2691.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-17621043/a89e2f2e395b69e621c6e3c94f0daeff56d1b284-4x3-x1311y569w3588h2691.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-17621043/a89e2f2e395b69e621c6e3c94f0daeff56d1b284-4x3-x1311y569w3588h2691.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-17621043/a89e2f2e395b69e621c6e3c94f0daeff56d1b284-4x3-x1311y569w3588h2691.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-17621043/a89e2f2e395b69e621c6e3c94f0daeff56d1b284-4x3-x1311y569w3588h2691.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-17621043/a89e2f2e395b69e621c6e3c94f0daeff56d1b284-4x3-x1311y569w3588h2691.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-17621043/a89e2f2e395b69e621c6e3c94f0daeff56d1b284-4x3-x1311y569w3588h2691.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 110px,(min-width: 768px) and (max-width: 1020px) 95px,140px"/><img src="https://images.thewest.com.au/publication/C-17621043/a89e2f2e395b69e621c6e3c94f0daeff56d1b284-4x3-x1311y569w3588h2691.jpg?imwidth=140&impolicy=wan_v3" alt="‘My dad has dementia. He lives by himself in his own home, worth about $850,000. It seems unfair he’d potentially need to give all that to get a place in a home. Should I put the house in my name?’" class="css-16r7l45-StyledImage en5ut4d0" loading="lazy" height="2879" width="2879"/><noscript><img src="https://images.thewest.com.au/publication/C-17621043/a89e2f2e395b69e621c6e3c94f0daeff56d1b284-4x3-x1311y569w3588h2691.jpg?imwidth=140&impolicy=wan_v3" alt="‘My dad has dementia. He lives by himself in his own home, worth about $850,000. It seems unfair he’d potentially need to give all that to get a place in a home. Should I put the house in my name?’" class="css-tl044d-StyledNoScriptImage-StyledImage eu9mom10" /></noscript></picture></div></div><div class="css-1ph55xy-StyledHeader e1smopwg7"><h2 class="e1smopwg6 Card-Headline css-3p030j-StyledHeadline-StyledHeadline e1w8lw9x9"><span class="css-u7n7hy-StyledKicker e1jes824"><span class="css-1p6fa63-StyledKickerText e1jes823">Bruining Q+A</span><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 55 49" class="StyledCommentsIcon css-101fbvt-StyledCommentsIcon e1jes821"><title>Comments</title><path d="M54 24.5v-11C54 6.4 48.4 1 41.4 1H13.6C6.6 1 1 6.6 1 13.4v11.1c0 6.9 5.6 12.4 12.6 12.4h1.3v9.7c0 1.2 1.6 1.9 2.4 1l10.8-10.7h13.3c7 0 12.6-5.5 12.6-12.4"></path></svg><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 260 260" class="css-14uybzh-StyledPremiumIcon e1jes822" role="img"><title>Premium</title><defs><linearGradient id="f1-ico-prem" x1="83.6%" x2="15.9%" y1="16.4%" y2="84.1%"><stop offset="0%" stop-color="#043DE2"></stop><stop offset="100%" stop-color="#1257E0"></stop></linearGradient><linearGradient id="f2-ico-prem" x1="104.4%" x2="3.3%" y1="4.3%" y2="104.9%"><stop offset="0%" stop-color="#F400AB"></stop><stop offset="100%" stop-color="#AA01E1"></stop></linearGradient></defs><path fill="url(#f1-ico-prem)" d="M216.6 124.8c-.7-15.5-7.4-20.4-12.4-23.4s-11-5.2-31.8-5.2c-12.4 0-16-12.3-16-22.2 0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.3 20.3 12.3 23.3 5 3 11.1 5.2 31.8 5.2 12.5 0 16 12.3 16 22.2 0 10-1.2 18 6 26.5a33 33 0 0 0 23.7 10.5h1s14-.3 22.6-10.5c7.3-8.6 6-16.6 6-26.5 0-9.9 3.6-22.2 16-22.2 20.7 0 26.8-2.2 31.8-5.2s11.7-7.9 12.4-23.3v-2-1.8z"></path><path fill="url(#f2-ico-prem)" d="M156.4 74c0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.2 20.2 12.3 23.3 5.8 3.5 14.4 5.4 31.8 5.2 29.5-.3 75.3-48.4 75.3-83.1z"></path></svg></span><span class="e1smopwg6 css-tnw37f-StyledHeadlineText-StyledHeadline e1w8lw9x7"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 55 49" class="e1w8lw9x3 StyledCommentsIcon css-i91420-StyledCommentsIcon-StyledCommentsIcon e1jes821"><title>Comments</title><path d="M54 24.5v-11C54 6.4 48.4 1 41.4 1H13.6C6.6 1 1 6.6 1 13.4v11.1c0 6.9 5.6 12.4 12.6 12.4h1.3v9.7c0 1.2 1.6 1.9 2.4 1l10.8-10.7h13.3c7 0 12.6-5.5 12.6-12.4"></path></svg><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 260 260" class="css-nxh6zq-StyledPremiumIcon e1w8lw9x4" role="img"><title>Premium</title><defs><linearGradient id="f1-ico-prem" x1="83.6%" x2="15.9%" y1="16.4%" y2="84.1%"><stop offset="0%" stop-color="#043DE2"></stop><stop offset="100%" stop-color="#1257E0"></stop></linearGradient><linearGradient id="f2-ico-prem" x1="104.4%" x2="3.3%" y1="4.3%" y2="104.9%"><stop offset="0%" stop-color="#F400AB"></stop><stop offset="100%" stop-color="#AA01E1"></stop></linearGradient></defs><path fill="url(#f1-ico-prem)" d="M216.6 124.8c-.7-15.5-7.4-20.4-12.4-23.4s-11-5.2-31.8-5.2c-12.4 0-16-12.3-16-22.2 0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.3 20.3 12.3 23.3 5 3 11.1 5.2 31.8 5.2 12.5 0 16 12.3 16 22.2 0 10-1.2 18 6 26.5a33 33 0 0 0 23.7 10.5h1s14-.3 22.6-10.5c7.3-8.6 6-16.6 6-26.5 0-9.9 3.6-22.2 16-22.2 20.7 0 26.8-2.2 31.8-5.2s11.7-7.9 12.4-23.3v-2-1.8z"></path><path fill="url(#f2-ico-prem)" d="M156.4 74c0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.2 20.2 12.3 23.3 5.8 3.5 14.4 5.4 31.8 5.2 29.5-.3 75.3-48.4 75.3-83.1z"></path></svg><span>Should I put Dad’s house in my name to cut aged-care cost?</span></span></h2><p class="e1smopwg3 css-1j4td8d-StyledTeaser-StyledTeaser e1w8lw9x6">Q+A: ‘My dad has dementia. He lives by himself in his own home, worth about $850,000. It seems unfair he’d potentially need to give all that to get a place in a home. Should I put the house in my name?’</p><div class="css-1t57q22-StyledInlineWrapper e1smopwg0"></div></div></a></div></div></div></div></div></div><div class="hide-print ad-no-notice css-svlwa0-StyledAdUnitWrapper ezkyf1c0"><div class="css-pkrrfy-StyledCenter ezkyf1c3"><div class="css-75thsc-StyledNotice ezkyf1c2"><div class="ad-mrec-two css-1u74liy-StyledAdUnit ezkyf1c4"></div></div></div></div><div class="hide-print ad-no-notice css-svlwa0-StyledAdUnitWrapper ezkyf1c0"><div class="css-54rauv-StyledCenter ezkyf1c3"><div class="css-75thsc-StyledNotice ezkyf1c2"><div class="ad-billboard-leaderboard-two css-1oizywe-StyledAdUnit ezkyf1c4"></div></div></div></div><div class="js-content-area css-1yaevca-StyledContentWrapper e14i4kh30"><div class="css-1ew5nh1-StyledJanus eghimj81"><div class="css-ourhek-StyledGridItem eghimj80"><div class="css-5l1g3y-StyledHeader elndtzg3"><div class="css-1ayvvco-SectionHeaderContainer e1fp214b13"><a class="css-13q0ohs-HeadingLink e1fp214b7" href="/lifestyle/retirement-investments"><div class="css-5k0trs-HeadingWrapper e1fp214b8"><h2 class="css-64qlae-Heading e1fp214b10">Retirement Investments</h2><span class="css-10596bk-Divider e1fp214b9"></span></div></a></div></div><div class="css-17wbk0j-StyledLima elndtzg4"><div class="css-m9dmo1-StyledGridItem elndtzg1"><div class="css-1ls5bi3-StyledPortrait ew7cd2s5" data-topic="business/your-money"><a class="css-4yofy7-StyledLink-StyledLink ew7cd2s4" href="/business/your-money/bruce-brammall-why-investors-should-take-the-win-this-year-as-market-positives-outweigh-the-negatives-c-17071909"><div class="ew7cd2s3 Card-Media css-1icnwod-StyledMedia-StyledCardMedia e1m2h3dd6"><div class="Card-Media-Content css-1gbeyhl-StyledMediaContent e1m2h3dd8"><picture class="image css-q2ve4i-PictureWithIntrinsicRatio eosncpx0"><source data-ratio="16:9" media="(min-width: 768px)" 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828w,https://images.thewest.com.au/publication/C-17071909/4b0ff481c2edf9a031b9290262bebd9ca0766005-4x3-x387y169w2503h1877.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 100vw,(min-width: 768px) and (max-width: 1020px) 13vw,313px"/><img src="https://images.thewest.com.au/publication/C-17071909/4b0ff481c2edf9a031b9290262bebd9ca0766005-16x9-x526y317w3074h1729.jpg?imwidth=313&impolicy=wan_v3" alt="On a pure markets perspective, most of us should have a very rare smile on our dials. If you’re not grinning from ear to ear, as they say, you must be doing it wrong. " class="css-16r7l45-StyledImage en5ut4d0" loading="lazy" height="1729" width="1729"/><noscript><img src="https://images.thewest.com.au/publication/C-17071909/4b0ff481c2edf9a031b9290262bebd9ca0766005-16x9-x526y317w3074h1729.jpg?imwidth=313&impolicy=wan_v3" alt="On a pure markets perspective, most of us should have a very rare smile on our dials. If you’re not grinning from ear to ear, as they say, you must be doing it wrong. " class="css-tl044d-StyledNoScriptImage-StyledImage eu9mom10" /></noscript></picture></div></div><div class="ew7cd2s2 css-5s3171-StyledText-StyledCardText e1w8lw9x10"><h2 class="Card-Headline css-eq0ra1-StyledHeadline e1w8lw9x9"><span class="css-1lc8609-StyledKicker e1jes824"><span class="css-1p6fa63-StyledKickerText e1jes823">DEBTMAN</span><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 55 49" class="StyledCommentsIcon css-101fbvt-StyledCommentsIcon e1jes821"><title>Comments</title><path d="M54 24.5v-11C54 6.4 48.4 1 41.4 1H13.6C6.6 1 1 6.6 1 13.4v11.1c0 6.9 5.6 12.4 12.6 12.4h1.3v9.7c0 1.2 1.6 1.9 2.4 1l10.8-10.7h13.3c7 0 12.6-5.5 12.6-12.4"></path></svg><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 260 260" class="css-14uybzh-StyledPremiumIcon e1jes822" role="img"><title>Premium</title><defs><linearGradient id="f1-ico-prem" x1="83.6%" x2="15.9%" y1="16.4%" y2="84.1%"><stop offset="0%" stop-color="#043DE2"></stop><stop offset="100%" stop-color="#1257E0"></stop></linearGradient><linearGradient id="f2-ico-prem" x1="104.4%" x2="3.3%" y1="4.3%" y2="104.9%"><stop offset="0%" stop-color="#F400AB"></stop><stop offset="100%" stop-color="#AA01E1"></stop></linearGradient></defs><path fill="url(#f1-ico-prem)" d="M216.6 124.8c-.7-15.5-7.4-20.4-12.4-23.4s-11-5.2-31.8-5.2c-12.4 0-16-12.3-16-22.2 0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.3 20.3 12.3 23.3 5 3 11.1 5.2 31.8 5.2 12.5 0 16 12.3 16 22.2 0 10-1.2 18 6 26.5a33 33 0 0 0 23.7 10.5h1s14-.3 22.6-10.5c7.3-8.6 6-16.6 6-26.5 0-9.9 3.6-22.2 16-22.2 20.7 0 26.8-2.2 31.8-5.2s11.7-7.9 12.4-23.3v-2-1.8z"></path><path fill="url(#f2-ico-prem)" d="M156.4 74c0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.2 20.2 12.3 23.3 5.8 3.5 14.4 5.4 31.8 5.2 29.5-.3 75.3-48.4 75.3-83.1z"></path></svg></span><span class="css-249bft-StyledHeadlineText e1w8lw9x7"><span>Why investors should take the win this year</span></span></h2><p class="css-pb0uo2-StyledTeaser e1w8lw9x6">On a pure markets perspective, most of us should have a very rare smile on our dials. If you’re not grinning from ear to ear, as they say, you must be doing it wrong. </p></div><div class="ew7cd2s1 CardByline css-8ail66-StyledByline-StyledCardByline ebzp2e48"><p class="CardByline-Text css-102194g-StyledBylineText ebzp2e47">Bruce Brammall </p></div></a></div></div><div class="css-m9dmo1-StyledGridItem elndtzg1"><div class="LandscapeCard css-z1zgmr-getLandscapeWrapperTag e1smopwg9" data-topic="business/your-money"><a class="css-1k4mfjg-StyledLink-StyledLandscapeLink e1smopwg8" href="/business/your-money/is-the-private-credit-boom-a-little-too-hot-to-handle-not-always-but-keep-your-eyes-on-the-road-ahead-c-16681528"><div class="e1smopwg4 Card-Media css-3dstgt-StyledMedia-StyledMedia e1m2h3dd6"><div class="Card-Media-Content css-1gbeyhl-StyledMediaContent e1m2h3dd8"><picture class="image css-pqz47z-PictureWithIntrinsicRatio eosncpx0"><source data-ratio="4:3" media="(min-width: 0px)" srcSet="https://images.thewest.com.au/publication/C-16681528/36fb1ebfbcd6d00cbe727ab19b828a80dc31375f-4x3-x201y0w879h659.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-16681528/36fb1ebfbcd6d00cbe727ab19b828a80dc31375f-4x3-x201y0w879h659.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-16681528/36fb1ebfbcd6d00cbe727ab19b828a80dc31375f-4x3-x201y0w879h659.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-16681528/36fb1ebfbcd6d00cbe727ab19b828a80dc31375f-4x3-x201y0w879h659.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-16681528/36fb1ebfbcd6d00cbe727ab19b828a80dc31375f-4x3-x201y0w879h659.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-16681528/36fb1ebfbcd6d00cbe727ab19b828a80dc31375f-4x3-x201y0w879h659.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-16681528/36fb1ebfbcd6d00cbe727ab19b828a80dc31375f-4x3-x201y0w879h659.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-16681528/36fb1ebfbcd6d00cbe727ab19b828a80dc31375f-4x3-x201y0w879h659.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-16681528/36fb1ebfbcd6d00cbe727ab19b828a80dc31375f-4x3-x201y0w879h659.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 110px,(min-width: 768px) and (max-width: 1020px) 95px,140px"/><img src="https://images.thewest.com.au/publication/C-16681528/36fb1ebfbcd6d00cbe727ab19b828a80dc31375f-4x3-x201y0w879h659.jpg?imwidth=140&impolicy=wan_v3" alt="The private credit market is booming, and just like a great performance car, it can be a worthwhile purchase. But it pays to keep your eyes on the road ahead." class="css-16r7l45-StyledImage en5ut4d0" loading="lazy" height="659" width="659"/><noscript><img src="https://images.thewest.com.au/publication/C-16681528/36fb1ebfbcd6d00cbe727ab19b828a80dc31375f-4x3-x201y0w879h659.jpg?imwidth=140&impolicy=wan_v3" alt="The private credit market is booming, and just like a great performance car, it can be a worthwhile purchase. But it pays to keep your eyes on the road ahead." class="css-tl044d-StyledNoScriptImage-StyledImage eu9mom10" /></noscript></picture></div></div><div class="css-1ph55xy-StyledHeader e1smopwg7"><h2 class="e1smopwg6 Card-Headline css-3p030j-StyledHeadline-StyledHeadline e1w8lw9x9"><span class="css-u7n7hy-StyledKicker e1jes824"><span class="css-1p6fa63-StyledKickerText e1jes823">Your Money</span><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 55 49" class="StyledCommentsIcon css-101fbvt-StyledCommentsIcon e1jes821"><title>Comments</title><path d="M54 24.5v-11C54 6.4 48.4 1 41.4 1H13.6C6.6 1 1 6.6 1 13.4v11.1c0 6.9 5.6 12.4 12.6 12.4h1.3v9.7c0 1.2 1.6 1.9 2.4 1l10.8-10.7h13.3c7 0 12.6-5.5 12.6-12.4"></path></svg><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 260 260" class="css-14uybzh-StyledPremiumIcon e1jes822" role="img"><title>Premium</title><defs><linearGradient id="f1-ico-prem" x1="83.6%" x2="15.9%" y1="16.4%" y2="84.1%"><stop offset="0%" stop-color="#043DE2"></stop><stop offset="100%" stop-color="#1257E0"></stop></linearGradient><linearGradient id="f2-ico-prem" x1="104.4%" x2="3.3%" y1="4.3%" y2="104.9%"><stop offset="0%" stop-color="#F400AB"></stop><stop offset="100%" stop-color="#AA01E1"></stop></linearGradient></defs><path fill="url(#f1-ico-prem)" d="M216.6 124.8c-.7-15.5-7.4-20.4-12.4-23.4s-11-5.2-31.8-5.2c-12.4 0-16-12.3-16-22.2 0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.3 20.3 12.3 23.3 5 3 11.1 5.2 31.8 5.2 12.5 0 16 12.3 16 22.2 0 10-1.2 18 6 26.5a33 33 0 0 0 23.7 10.5h1s14-.3 22.6-10.5c7.3-8.6 6-16.6 6-26.5 0-9.9 3.6-22.2 16-22.2 20.7 0 26.8-2.2 31.8-5.2s11.7-7.9 12.4-23.3v-2-1.8z"></path><path fill="url(#f2-ico-prem)" d="M156.4 74c0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.2 20.2 12.3 23.3 5.8 3.5 14.4 5.4 31.8 5.2 29.5-.3 75.3-48.4 75.3-83.1z"></path></svg></span><span class="e1smopwg6 css-tnw37f-StyledHeadlineText-StyledHeadline e1w8lw9x7"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 55 49" class="e1w8lw9x3 StyledCommentsIcon css-i91420-StyledCommentsIcon-StyledCommentsIcon e1jes821"><title>Comments</title><path d="M54 24.5v-11C54 6.4 48.4 1 41.4 1H13.6C6.6 1 1 6.6 1 13.4v11.1c0 6.9 5.6 12.4 12.6 12.4h1.3v9.7c0 1.2 1.6 1.9 2.4 1l10.8-10.7h13.3c7 0 12.6-5.5 12.6-12.4"></path></svg><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 260 260" class="css-nxh6zq-StyledPremiumIcon e1w8lw9x4" role="img"><title>Premium</title><defs><linearGradient id="f1-ico-prem" x1="83.6%" x2="15.9%" y1="16.4%" y2="84.1%"><stop offset="0%" stop-color="#043DE2"></stop><stop offset="100%" stop-color="#1257E0"></stop></linearGradient><linearGradient id="f2-ico-prem" x1="104.4%" x2="3.3%" y1="4.3%" y2="104.9%"><stop offset="0%" stop-color="#F400AB"></stop><stop offset="100%" stop-color="#AA01E1"></stop></linearGradient></defs><path fill="url(#f1-ico-prem)" d="M216.6 124.8c-.7-15.5-7.4-20.4-12.4-23.4s-11-5.2-31.8-5.2c-12.4 0-16-12.3-16-22.2 0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.3 20.3 12.3 23.3 5 3 11.1 5.2 31.8 5.2 12.5 0 16 12.3 16 22.2 0 10-1.2 18 6 26.5a33 33 0 0 0 23.7 10.5h1s14-.3 22.6-10.5c7.3-8.6 6-16.6 6-26.5 0-9.9 3.6-22.2 16-22.2 20.7 0 26.8-2.2 31.8-5.2s11.7-7.9 12.4-23.3v-2-1.8z"></path><path fill="url(#f2-ico-prem)" d="M156.4 74c0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.2 20.2 12.3 23.3 5.8 3.5 14.4 5.4 31.8 5.2 29.5-.3 75.3-48.4 75.3-83.1z"></path></svg><span>Too hot to handle? Don’t hit the skids with private credit </span></span></h2><p class="e1smopwg3 css-1j4td8d-StyledTeaser-StyledTeaser e1w8lw9x6">The private credit market is booming, and just like a great performance car, it can be a worthwhile purchase. But it pays to keep your eyes on the road ahead.</p><div class="css-1t57q22-StyledInlineWrapper e1smopwg0"></div></div></a></div><div class="LandscapeCard css-z1zgmr-getLandscapeWrapperTag e1smopwg9" data-topic="business/your-money"><a class="css-1k4mfjg-StyledLink-StyledLandscapeLink e1smopwg8" href="/business/your-money/do-people-trust-ai-on-financial-decisions-it-really-depends-on-who-they-are-c-16591486"><div class="e1smopwg4 Card-Media css-3dstgt-StyledMedia-StyledMedia e1m2h3dd6"><div class="Card-Media-Content css-1gbeyhl-StyledMediaContent e1m2h3dd8"><picture class="image css-pqz47z-PictureWithIntrinsicRatio eosncpx0"><source data-ratio="4:3" media="(min-width: 0px)" srcSet="https://images.thewest.com.au/publication/C-16591486/86dd8ae4705294d4edb663e59a7818038a69720c-4x3-x282y0w3555h2666.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-16591486/86dd8ae4705294d4edb663e59a7818038a69720c-4x3-x282y0w3555h2666.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-16591486/86dd8ae4705294d4edb663e59a7818038a69720c-4x3-x282y0w3555h2666.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-16591486/86dd8ae4705294d4edb663e59a7818038a69720c-4x3-x282y0w3555h2666.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-16591486/86dd8ae4705294d4edb663e59a7818038a69720c-4x3-x282y0w3555h2666.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-16591486/86dd8ae4705294d4edb663e59a7818038a69720c-4x3-x282y0w3555h2666.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-16591486/86dd8ae4705294d4edb663e59a7818038a69720c-4x3-x282y0w3555h2666.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-16591486/86dd8ae4705294d4edb663e59a7818038a69720c-4x3-x282y0w3555h2666.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-16591486/86dd8ae4705294d4edb663e59a7818038a69720c-4x3-x282y0w3555h2666.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 110px,(min-width: 768px) and (max-width: 1020px) 95px,140px"/><img src="https://images.thewest.com.au/publication/C-16591486/86dd8ae4705294d4edb663e59a7818038a69720c-4x3-x282y0w3555h2666.jpg?imwidth=140&impolicy=wan_v3" alt="As AI becomes more common in the financial world, companies will need to find ways to improve levels of trust. " class="css-16r7l45-StyledImage en5ut4d0" loading="lazy" height="2250" width="2250"/><noscript><img src="https://images.thewest.com.au/publication/C-16591486/86dd8ae4705294d4edb663e59a7818038a69720c-4x3-x282y0w3555h2666.jpg?imwidth=140&impolicy=wan_v3" alt="As AI becomes more common in the financial world, companies will need to find ways to improve levels of trust. " class="css-tl044d-StyledNoScriptImage-StyledImage eu9mom10" /></noscript></picture></div></div><div class="css-1ph55xy-StyledHeader e1smopwg7"><h2 class="e1smopwg6 Card-Headline css-3p030j-StyledHeadline-StyledHeadline e1w8lw9x9"><span class="css-u7n7hy-StyledKicker e1jes824"><span class="css-1p6fa63-StyledKickerText e1jes823">Your Money</span><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 55 49" class="StyledCommentsIcon css-101fbvt-StyledCommentsIcon e1jes821"><title>Comments</title><path d="M54 24.5v-11C54 6.4 48.4 1 41.4 1H13.6C6.6 1 1 6.6 1 13.4v11.1c0 6.9 5.6 12.4 12.6 12.4h1.3v9.7c0 1.2 1.6 1.9 2.4 1l10.8-10.7h13.3c7 0 12.6-5.5 12.6-12.4"></path></svg></span><span class="e1smopwg6 css-tnw37f-StyledHeadlineText-StyledHeadline e1w8lw9x7"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 55 49" class="e1w8lw9x3 StyledCommentsIcon css-i91420-StyledCommentsIcon-StyledCommentsIcon e1jes821"><title>Comments</title><path d="M54 24.5v-11C54 6.4 48.4 1 41.4 1H13.6C6.6 1 1 6.6 1 13.4v11.1c0 6.9 5.6 12.4 12.6 12.4h1.3v9.7c0 1.2 1.6 1.9 2.4 1l10.8-10.7h13.3c7 0 12.6-5.5 12.6-12.4"></path></svg><span>Do people really trust AI on financial decisions?</span></span></h2><p class="e1smopwg3 css-1j4td8d-StyledTeaser-StyledTeaser e1w8lw9x6">When it comes to investing and planning your financial future, are you more willing to trust a person or a computer? This isn’t a hypothetical question any more.</p><div class="css-1t57q22-StyledInlineWrapper e1smopwg0"></div></div></a></div><div class="LandscapeCard css-z1zgmr-getLandscapeWrapperTag e1smopwg9" data-topic="business/your-money"><a class="css-1k4mfjg-StyledLink-StyledLandscapeLink e1smopwg8" href="/business/your-money/australiansuper-calls-time-on-chinas-glorious-boom-c-16398983"><div class="e1smopwg4 Card-Media css-3dstgt-StyledMedia-StyledMedia e1m2h3dd6"><div class="Card-Media-Content css-1gbeyhl-StyledMediaContent e1m2h3dd8"><picture class="image css-pqz47z-PictureWithIntrinsicRatio eosncpx0"><source data-ratio="4:3" media="(min-width: 0px)" srcSet="https://images.thewest.com.au/publication/C-16398983/aae0338a0ac8efe5ec147e152d6702095b2a3f62-4x3-x567y426w2547h1910.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-16398983/aae0338a0ac8efe5ec147e152d6702095b2a3f62-4x3-x567y426w2547h1910.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-16398983/aae0338a0ac8efe5ec147e152d6702095b2a3f62-4x3-x567y426w2547h1910.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-16398983/aae0338a0ac8efe5ec147e152d6702095b2a3f62-4x3-x567y426w2547h1910.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-16398983/aae0338a0ac8efe5ec147e152d6702095b2a3f62-4x3-x567y426w2547h1910.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-16398983/aae0338a0ac8efe5ec147e152d6702095b2a3f62-4x3-x567y426w2547h1910.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-16398983/aae0338a0ac8efe5ec147e152d6702095b2a3f62-4x3-x567y426w2547h1910.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-16398983/aae0338a0ac8efe5ec147e152d6702095b2a3f62-4x3-x567y426w2547h1910.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-16398983/aae0338a0ac8efe5ec147e152d6702095b2a3f62-4x3-x567y426w2547h1910.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 110px,(min-width: 768px) and (max-width: 1020px) 95px,140px"/><img src="https://images.thewest.com.au/publication/C-16398983/aae0338a0ac8efe5ec147e152d6702095b2a3f62-4x3-x567y426w2547h1910.jpg?imwidth=140&impolicy=wan_v3" alt="China has unveiled a raft of stimulus measures including a massive package to shore up its beleaguered property market." class="css-16r7l45-StyledImage en5ut4d0" loading="lazy" height="1770" width="1770"/><noscript><img src="https://images.thewest.com.au/publication/C-16398983/aae0338a0ac8efe5ec147e152d6702095b2a3f62-4x3-x567y426w2547h1910.jpg?imwidth=140&impolicy=wan_v3" alt="China has unveiled a raft of stimulus measures including a massive package to shore up its beleaguered property market." class="css-tl044d-StyledNoScriptImage-StyledImage eu9mom10" /></noscript></picture></div></div><div class="css-1ph55xy-StyledHeader e1smopwg7"><h2 class="e1smopwg6 Card-Headline css-3p030j-StyledHeadline-StyledHeadline e1w8lw9x9"><span class="css-u7n7hy-StyledKicker e1jes824"><span class="css-1p6fa63-StyledKickerText e1jes823">Your Money</span><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 260 260" class="css-14uybzh-StyledPremiumIcon e1jes822" role="img"><title>Premium</title><defs><linearGradient id="f1-ico-prem" x1="83.6%" x2="15.9%" y1="16.4%" y2="84.1%"><stop offset="0%" stop-color="#043DE2"></stop><stop offset="100%" stop-color="#1257E0"></stop></linearGradient><linearGradient id="f2-ico-prem" x1="104.4%" x2="3.3%" y1="4.3%" y2="104.9%"><stop offset="0%" stop-color="#F400AB"></stop><stop offset="100%" stop-color="#AA01E1"></stop></linearGradient></defs><path fill="url(#f1-ico-prem)" d="M216.6 124.8c-.7-15.5-7.4-20.4-12.4-23.4s-11-5.2-31.8-5.2c-12.4 0-16-12.3-16-22.2 0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.3 20.3 12.3 23.3 5 3 11.1 5.2 31.8 5.2 12.5 0 16 12.3 16 22.2 0 10-1.2 18 6 26.5a33 33 0 0 0 23.7 10.5h1s14-.3 22.6-10.5c7.3-8.6 6-16.6 6-26.5 0-9.9 3.6-22.2 16-22.2 20.7 0 26.8-2.2 31.8-5.2s11.7-7.9 12.4-23.3v-2-1.8z"></path><path fill="url(#f2-ico-prem)" d="M156.4 74c0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.2 20.2 12.3 23.3 5.8 3.5 14.4 5.4 31.8 5.2 29.5-.3 75.3-48.4 75.3-83.1z"></path></svg></span><span class="e1smopwg6 css-tnw37f-StyledHeadlineText-StyledHeadline e1w8lw9x7"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 260 260" class="css-nxh6zq-StyledPremiumIcon e1w8lw9x4" role="img"><title>Premium</title><defs><linearGradient id="f1-ico-prem" x1="83.6%" x2="15.9%" y1="16.4%" y2="84.1%"><stop offset="0%" stop-color="#043DE2"></stop><stop offset="100%" stop-color="#1257E0"></stop></linearGradient><linearGradient id="f2-ico-prem" x1="104.4%" x2="3.3%" y1="4.3%" y2="104.9%"><stop offset="0%" stop-color="#F400AB"></stop><stop offset="100%" stop-color="#AA01E1"></stop></linearGradient></defs><path fill="url(#f1-ico-prem)" d="M216.6 124.8c-.7-15.5-7.4-20.4-12.4-23.4s-11-5.2-31.8-5.2c-12.4 0-16-12.3-16-22.2 0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.3 20.3 12.3 23.3 5 3 11.1 5.2 31.8 5.2 12.5 0 16 12.3 16 22.2 0 10-1.2 18 6 26.5a33 33 0 0 0 23.7 10.5h1s14-.3 22.6-10.5c7.3-8.6 6-16.6 6-26.5 0-9.9 3.6-22.2 16-22.2 20.7 0 26.8-2.2 31.8-5.2s11.7-7.9 12.4-23.3v-2-1.8z"></path><path fill="url(#f2-ico-prem)" d="M156.4 74c0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.2 20.2 12.3 23.3 5.8 3.5 14.4 5.4 31.8 5.2 29.5-.3 75.3-48.4 75.3-83.1z"></path></svg><span>Super giant calls time on China’s glorious boom</span></span></h2><p class="e1smopwg3 css-1j4td8d-StyledTeaser-StyledTeaser e1w8lw9x6">China’s latest bout of stimulus may help stabilise the country’s property crisis but investors should position for the end of the economy’s boom years, says Australia’s largest superannuation fund. </p><div class="css-1t57q22-StyledInlineWrapper e1smopwg0"></div></div></a></div></div></div></div><div class="css-ourhek-StyledGridItem eghimj80"><div class="css-5l1g3y-StyledHeader elndtzg3"><div class="css-1ayvvco-SectionHeaderContainer e1fp214b13"><a class="css-13q0ohs-HeadingLink e1fp214b7" href="/lifestyle/insurance-estate-planning"><div class="css-5k0trs-HeadingWrapper e1fp214b8"><h2 class="css-64qlae-Heading e1fp214b10">Insurance & Estate Planning</h2><span class="css-10596bk-Divider e1fp214b9"></span></div></a></div></div><div class="css-17wbk0j-StyledLima elndtzg4"><div class="css-m9dmo1-StyledGridItem elndtzg1"><div class="css-1ls5bi3-StyledPortrait ew7cd2s5" data-topic="business/your-money"><a class="css-4yofy7-StyledLink-StyledLink ew7cd2s4" href="/business/your-money/call-to-bring-back-inheritance-tax-to-tackle-wealth-gap-c-17715125"><div class="ew7cd2s3 Card-Media css-1icnwod-StyledMedia-StyledCardMedia e1m2h3dd6"><div class="Card-Media-Content css-1gbeyhl-StyledMediaContent e1m2h3dd8"><picture class="image css-q2ve4i-PictureWithIntrinsicRatio eosncpx0"><source data-ratio="16:9" media="(min-width: 768px)" srcSet="https://images.thewest.com.au/publication/C-17715125/3a712ed3ccdfeb4f8369f9baf5e55c70e01b0aad-16x9-x0y0w1280h720.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-17715125/3a712ed3ccdfeb4f8369f9baf5e55c70e01b0aad-16x9-x0y0w1280h720.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-17715125/3a712ed3ccdfeb4f8369f9baf5e55c70e01b0aad-16x9-x0y0w1280h720.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-17715125/3a712ed3ccdfeb4f8369f9baf5e55c70e01b0aad-16x9-x0y0w1280h720.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-17715125/3a712ed3ccdfeb4f8369f9baf5e55c70e01b0aad-16x9-x0y0w1280h720.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-17715125/3a712ed3ccdfeb4f8369f9baf5e55c70e01b0aad-16x9-x0y0w1280h720.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-17715125/3a712ed3ccdfeb4f8369f9baf5e55c70e01b0aad-16x9-x0y0w1280h720.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-17715125/3a712ed3ccdfeb4f8369f9baf5e55c70e01b0aad-16x9-x0y0w1280h720.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-17715125/3a712ed3ccdfeb4f8369f9baf5e55c70e01b0aad-16x9-x0y0w1280h720.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 100vw,(min-width: 768px) and (max-width: 1020px) 13vw,313px"/><source data-ratio="4:3" media="(max-width: 767px)" srcSet="https://images.thewest.com.au/publication/C-17715125/3a712ed3ccdfeb4f8369f9baf5e55c70e01b0aad-4x3-x160y0w960h720.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-17715125/3a712ed3ccdfeb4f8369f9baf5e55c70e01b0aad-4x3-x160y0w960h720.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-17715125/3a712ed3ccdfeb4f8369f9baf5e55c70e01b0aad-4x3-x160y0w960h720.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-17715125/3a712ed3ccdfeb4f8369f9baf5e55c70e01b0aad-4x3-x160y0w960h720.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-17715125/3a712ed3ccdfeb4f8369f9baf5e55c70e01b0aad-4x3-x160y0w960h720.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-17715125/3a712ed3ccdfeb4f8369f9baf5e55c70e01b0aad-4x3-x160y0w960h720.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-17715125/3a712ed3ccdfeb4f8369f9baf5e55c70e01b0aad-4x3-x160y0w960h720.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-17715125/3a712ed3ccdfeb4f8369f9baf5e55c70e01b0aad-4x3-x160y0w960h720.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-17715125/3a712ed3ccdfeb4f8369f9baf5e55c70e01b0aad-4x3-x160y0w960h720.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 100vw,(min-width: 768px) and (max-width: 1020px) 13vw,313px"/><img src="https://images.thewest.com.au/publication/C-17715125/3a712ed3ccdfeb4f8369f9baf5e55c70e01b0aad-16x9-x0y0w1280h720.jpg?imwidth=313&impolicy=wan_v3" alt="Anglicare is urging a tax on inheritances of more than $2 million, not including the family home. (Joel Carrett/AAP PHOTOS)" class="css-16r7l45-StyledImage en5ut4d0" loading="lazy" height="720" width="720"/><noscript><img src="https://images.thewest.com.au/publication/C-17715125/3a712ed3ccdfeb4f8369f9baf5e55c70e01b0aad-16x9-x0y0w1280h720.jpg?imwidth=313&impolicy=wan_v3" alt="Anglicare is urging a tax on inheritances of more than $2 million, not including the family home. (Joel Carrett/AAP PHOTOS)" class="css-tl044d-StyledNoScriptImage-StyledImage eu9mom10" /></noscript></picture></div></div><div class="ew7cd2s2 css-5s3171-StyledText-StyledCardText e1w8lw9x10"><h2 class="Card-Headline css-eq0ra1-StyledHeadline e1w8lw9x9"><span class="css-1lc8609-StyledKicker e1jes824"><span class="css-1p6fa63-StyledKickerText e1jes823">Your money</span><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 260 260" class="css-14uybzh-StyledPremiumIcon e1jes822" role="img"><title>Premium</title><defs><linearGradient id="f1-ico-prem" x1="83.6%" x2="15.9%" y1="16.4%" y2="84.1%"><stop offset="0%" stop-color="#043DE2"></stop><stop offset="100%" stop-color="#1257E0"></stop></linearGradient><linearGradient id="f2-ico-prem" x1="104.4%" x2="3.3%" y1="4.3%" y2="104.9%"><stop offset="0%" stop-color="#F400AB"></stop><stop offset="100%" stop-color="#AA01E1"></stop></linearGradient></defs><path fill="url(#f1-ico-prem)" d="M216.6 124.8c-.7-15.5-7.4-20.4-12.4-23.4s-11-5.2-31.8-5.2c-12.4 0-16-12.3-16-22.2 0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.3 20.3 12.3 23.3 5 3 11.1 5.2 31.8 5.2 12.5 0 16 12.3 16 22.2 0 10-1.2 18 6 26.5a33 33 0 0 0 23.7 10.5h1s14-.3 22.6-10.5c7.3-8.6 6-16.6 6-26.5 0-9.9 3.6-22.2 16-22.2 20.7 0 26.8-2.2 31.8-5.2s11.7-7.9 12.4-23.3v-2-1.8z"></path><path fill="url(#f2-ico-prem)" d="M156.4 74c0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.2 20.2 12.3 23.3 5.8 3.5 14.4 5.4 31.8 5.2 29.5-.3 75.3-48.4 75.3-83.1z"></path></svg></span><span class="css-249bft-StyledHeadlineText e1w8lw9x7"><span>Call to bring back inheritance tax to tackle wealth gap</span></span></h2><p class="css-pb0uo2-StyledTeaser e1w8lw9x6">Inheritance taxes are economically efficient and reduce inequality between those who work for an income and those who earn income from wealth, economists say.</p></div><div class="ew7cd2s1 CardByline css-8ail66-StyledByline-StyledCardByline ebzp2e48"><p class="CardByline-Text css-102194g-StyledBylineText ebzp2e47">Jacob Shteyman</p></div></a></div></div><div class="css-m9dmo1-StyledGridItem elndtzg1"><div class="LandscapeCard css-z1zgmr-getLandscapeWrapperTag e1smopwg9" data-topic="business"><a class="css-1k4mfjg-StyledLink-StyledLandscapeLink e1smopwg8" href="/business/insurer-iag-romps-to-big-profit-rise-but-says-premium-growth-slowing-c-17706752"><div class="e1smopwg4 Card-Media css-3dstgt-StyledMedia-StyledMedia e1m2h3dd6"><div class="Card-Media-Content css-1gbeyhl-StyledMediaContent e1m2h3dd8"><picture class="image css-pqz47z-PictureWithIntrinsicRatio eosncpx0"><source data-ratio="4:3" media="(min-width: 0px)" srcSet="https://images.thewest.com.au/publication/C-17706752/e0c092a747f98fc4b9b77557043a1aa6d4f1a2c5-4x3-x0y0w1600h1200.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-17706752/e0c092a747f98fc4b9b77557043a1aa6d4f1a2c5-4x3-x0y0w1600h1200.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-17706752/e0c092a747f98fc4b9b77557043a1aa6d4f1a2c5-4x3-x0y0w1600h1200.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-17706752/e0c092a747f98fc4b9b77557043a1aa6d4f1a2c5-4x3-x0y0w1600h1200.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-17706752/e0c092a747f98fc4b9b77557043a1aa6d4f1a2c5-4x3-x0y0w1600h1200.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-17706752/e0c092a747f98fc4b9b77557043a1aa6d4f1a2c5-4x3-x0y0w1600h1200.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-17706752/e0c092a747f98fc4b9b77557043a1aa6d4f1a2c5-4x3-x0y0w1600h1200.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-17706752/e0c092a747f98fc4b9b77557043a1aa6d4f1a2c5-4x3-x0y0w1600h1200.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-17706752/e0c092a747f98fc4b9b77557043a1aa6d4f1a2c5-4x3-x0y0w1600h1200.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 110px,(min-width: 768px) and (max-width: 1020px) 95px,140px"/><img src="https://images.thewest.com.au/publication/C-17706752/e0c092a747f98fc4b9b77557043a1aa6d4f1a2c5-4x3-x0y0w1600h1200.jpg?imwidth=140&impolicy=wan_v3" alt="Insurers are worried about more frequent fires, floods and storms due to climate change." class="css-16r7l45-StyledImage en5ut4d0" loading="lazy" height="900" width="900"/><noscript><img src="https://images.thewest.com.au/publication/C-17706752/e0c092a747f98fc4b9b77557043a1aa6d4f1a2c5-4x3-x0y0w1600h1200.jpg?imwidth=140&impolicy=wan_v3" alt="Insurers are worried about more frequent fires, floods and storms due to climate change." class="css-tl044d-StyledNoScriptImage-StyledImage eu9mom10" /></noscript></picture></div></div><div class="css-1ph55xy-StyledHeader e1smopwg7"><h2 class="e1smopwg6 Card-Headline css-3p030j-StyledHeadline-StyledHeadline e1w8lw9x9"><span class="css-u7n7hy-StyledKicker e1jes824"><span class="css-1p6fa63-StyledKickerText e1jes823">Business</span><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 55 49" class="StyledCommentsIcon css-101fbvt-StyledCommentsIcon e1jes821"><title>Comments</title><path d="M54 24.5v-11C54 6.4 48.4 1 41.4 1H13.6C6.6 1 1 6.6 1 13.4v11.1c0 6.9 5.6 12.4 12.6 12.4h1.3v9.7c0 1.2 1.6 1.9 2.4 1l10.8-10.7h13.3c7 0 12.6-5.5 12.6-12.4"></path></svg></span><span class="e1smopwg6 css-tnw37f-StyledHeadlineText-StyledHeadline e1w8lw9x7"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 55 49" class="e1w8lw9x3 StyledCommentsIcon css-i91420-StyledCommentsIcon-StyledCommentsIcon e1jes821"><title>Comments</title><path d="M54 24.5v-11C54 6.4 48.4 1 41.4 1H13.6C6.6 1 1 6.6 1 13.4v11.1c0 6.9 5.6 12.4 12.6 12.4h1.3v9.7c0 1.2 1.6 1.9 2.4 1l10.8-10.7h13.3c7 0 12.6-5.5 12.6-12.4"></path></svg><span>IAG sees moderating premium growth after big profit rise</span></span></h2><p class="e1smopwg3 css-1j4td8d-StyledTeaser-StyledTeaser e1w8lw9x6">The owner of brands including NRMA and CGU says net profit surged 91 per cent to $778 million in the first half, with its pre-tax insurance earnings racing 56 per cent higher.</p><div class="css-1t57q22-StyledInlineWrapper e1smopwg0"></div></div></a></div><div class="LandscapeCard css-z1zgmr-getLandscapeWrapperTag e1smopwg9" data-topic="business/your-money"><a class="css-1k4mfjg-StyledLink-StyledLandscapeLink e1smopwg8" href="/business/your-money/nick-bruining-beware-there-a-sneaky-political-agenda-in-the-push-to-get-more-retirees-into-annuities-c-17632040"><div class="e1smopwg4 Card-Media css-3dstgt-StyledMedia-StyledMedia e1m2h3dd6"><div class="Card-Media-Content css-1gbeyhl-StyledMediaContent e1m2h3dd8"><picture class="image css-pqz47z-PictureWithIntrinsicRatio eosncpx0"><source data-ratio="4:3" media="(min-width: 0px)" srcSet="https://images.thewest.com.au/publication/C-17632040/b5607e22dea2ecf8c425ea918cdcb4c50d981375-4x3-x444y0w3556h2667.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-17632040/b5607e22dea2ecf8c425ea918cdcb4c50d981375-4x3-x444y0w3556h2667.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-17632040/b5607e22dea2ecf8c425ea918cdcb4c50d981375-4x3-x444y0w3556h2667.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-17632040/b5607e22dea2ecf8c425ea918cdcb4c50d981375-4x3-x444y0w3556h2667.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-17632040/b5607e22dea2ecf8c425ea918cdcb4c50d981375-4x3-x444y0w3556h2667.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-17632040/b5607e22dea2ecf8c425ea918cdcb4c50d981375-4x3-x444y0w3556h2667.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-17632040/b5607e22dea2ecf8c425ea918cdcb4c50d981375-4x3-x444y0w3556h2667.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-17632040/b5607e22dea2ecf8c425ea918cdcb4c50d981375-4x3-x444y0w3556h2667.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-17632040/b5607e22dea2ecf8c425ea918cdcb4c50d981375-4x3-x444y0w3556h2667.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 110px,(min-width: 768px) and (max-width: 1020px) 95px,140px"/><img src="https://images.thewest.com.au/publication/C-17632040/b5607e22dea2ecf8c425ea918cdcb4c50d981375-4x3-x444y0w3556h2667.jpg?imwidth=140&impolicy=wan_v3" alt="There’s plenty of boomers who have thrift embedded in their DNA. They don’t like wasting money for the sake of it." class="css-16r7l45-StyledImage en5ut4d0" loading="lazy" height="2250" width="2250"/><noscript><img src="https://images.thewest.com.au/publication/C-17632040/b5607e22dea2ecf8c425ea918cdcb4c50d981375-4x3-x444y0w3556h2667.jpg?imwidth=140&impolicy=wan_v3" alt="There’s plenty of boomers who have thrift embedded in their DNA. They don’t like wasting money for the sake of it." class="css-tl044d-StyledNoScriptImage-StyledImage eu9mom10" /></noscript></picture></div></div><div class="css-1ph55xy-StyledHeader e1smopwg7"><h2 class="e1smopwg6 Card-Headline css-3p030j-StyledHeadline-StyledHeadline e1w8lw9x9"><span class="css-u7n7hy-StyledKicker e1jes824"><span class="css-1p6fa63-StyledKickerText e1jes823">Your Money</span><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 55 49" class="StyledCommentsIcon css-101fbvt-StyledCommentsIcon e1jes821"><title>Comments</title><path d="M54 24.5v-11C54 6.4 48.4 1 41.4 1H13.6C6.6 1 1 6.6 1 13.4v11.1c0 6.9 5.6 12.4 12.6 12.4h1.3v9.7c0 1.2 1.6 1.9 2.4 1l10.8-10.7h13.3c7 0 12.6-5.5 12.6-12.4"></path></svg><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 260 260" class="css-14uybzh-StyledPremiumIcon e1jes822" role="img"><title>Premium</title><defs><linearGradient id="f1-ico-prem" x1="83.6%" x2="15.9%" y1="16.4%" y2="84.1%"><stop offset="0%" stop-color="#043DE2"></stop><stop offset="100%" stop-color="#1257E0"></stop></linearGradient><linearGradient id="f2-ico-prem" x1="104.4%" x2="3.3%" y1="4.3%" y2="104.9%"><stop offset="0%" stop-color="#F400AB"></stop><stop offset="100%" stop-color="#AA01E1"></stop></linearGradient></defs><path fill="url(#f1-ico-prem)" d="M216.6 124.8c-.7-15.5-7.4-20.4-12.4-23.4s-11-5.2-31.8-5.2c-12.4 0-16-12.3-16-22.2 0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.3 20.3 12.3 23.3 5 3 11.1 5.2 31.8 5.2 12.5 0 16 12.3 16 22.2 0 10-1.2 18 6 26.5a33 33 0 0 0 23.7 10.5h1s14-.3 22.6-10.5c7.3-8.6 6-16.6 6-26.5 0-9.9 3.6-22.2 16-22.2 20.7 0 26.8-2.2 31.8-5.2s11.7-7.9 12.4-23.3v-2-1.8z"></path><path fill="url(#f2-ico-prem)" d="M156.4 74c0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.2 20.2 12.3 23.3 5.8 3.5 14.4 5.4 31.8 5.2 29.5-.3 75.3-48.4 75.3-83.1z"></path></svg></span><span class="e1smopwg6 css-tnw37f-StyledHeadlineText-StyledHeadline e1w8lw9x7"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 55 49" class="e1w8lw9x3 StyledCommentsIcon css-i91420-StyledCommentsIcon-StyledCommentsIcon e1jes821"><title>Comments</title><path d="M54 24.5v-11C54 6.4 48.4 1 41.4 1H13.6C6.6 1 1 6.6 1 13.4v11.1c0 6.9 5.6 12.4 12.6 12.4h1.3v9.7c0 1.2 1.6 1.9 2.4 1l10.8-10.7h13.3c7 0 12.6-5.5 12.6-12.4"></path></svg><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 260 260" class="css-nxh6zq-StyledPremiumIcon e1w8lw9x4" role="img"><title>Premium</title><defs><linearGradient id="f1-ico-prem" x1="83.6%" x2="15.9%" y1="16.4%" y2="84.1%"><stop offset="0%" stop-color="#043DE2"></stop><stop offset="100%" stop-color="#1257E0"></stop></linearGradient><linearGradient id="f2-ico-prem" x1="104.4%" x2="3.3%" y1="4.3%" y2="104.9%"><stop offset="0%" stop-color="#F400AB"></stop><stop offset="100%" stop-color="#AA01E1"></stop></linearGradient></defs><path fill="url(#f1-ico-prem)" d="M216.6 124.8c-.7-15.5-7.4-20.4-12.4-23.4s-11-5.2-31.8-5.2c-12.4 0-16-12.3-16-22.2 0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.3 20.3 12.3 23.3 5 3 11.1 5.2 31.8 5.2 12.5 0 16 12.3 16 22.2 0 10-1.2 18 6 26.5a33 33 0 0 0 23.7 10.5h1s14-.3 22.6-10.5c7.3-8.6 6-16.6 6-26.5 0-9.9 3.6-22.2 16-22.2 20.7 0 26.8-2.2 31.8-5.2s11.7-7.9 12.4-23.3v-2-1.8z"></path><path fill="url(#f2-ico-prem)" d="M156.4 74c0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.2 20.2 12.3 23.3 5.8 3.5 14.4 5.4 31.8 5.2 29.5-.3 75.3-48.4 75.3-83.1z"></path></svg><span>The sneaky political agenda in pushing annuities on retirees</span></span></h2><p class="e1smopwg3 css-1j4td8d-StyledTeaser-StyledTeaser e1w8lw9x6">Make no mistake, pressure is building to steer more Aussies into taking out an annuity when they retire ... and the underlying political agenda should not be ignored. Here’s why ...</p><div class="css-1t57q22-StyledInlineWrapper e1smopwg0"></div></div></a></div><div class="LandscapeCard css-z1zgmr-getLandscapeWrapperTag e1smopwg9" data-topic="business/your-money"><a class="css-1k4mfjg-StyledLink-StyledLandscapeLink e1smopwg8" href="/business/your-money/nick-bruining-qa-should-i-put-dads-house-in-my-name-to-cut-aged-care-cost-c-17621043"><div class="e1smopwg4 Card-Media css-3dstgt-StyledMedia-StyledMedia e1m2h3dd6"><div class="Card-Media-Content css-1gbeyhl-StyledMediaContent e1m2h3dd8"><picture class="image css-pqz47z-PictureWithIntrinsicRatio eosncpx0"><source data-ratio="4:3" media="(min-width: 0px)" srcSet="https://images.thewest.com.au/publication/C-17621043/a89e2f2e395b69e621c6e3c94f0daeff56d1b284-4x3-x1311y569w3588h2691.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-17621043/a89e2f2e395b69e621c6e3c94f0daeff56d1b284-4x3-x1311y569w3588h2691.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-17621043/a89e2f2e395b69e621c6e3c94f0daeff56d1b284-4x3-x1311y569w3588h2691.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-17621043/a89e2f2e395b69e621c6e3c94f0daeff56d1b284-4x3-x1311y569w3588h2691.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-17621043/a89e2f2e395b69e621c6e3c94f0daeff56d1b284-4x3-x1311y569w3588h2691.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-17621043/a89e2f2e395b69e621c6e3c94f0daeff56d1b284-4x3-x1311y569w3588h2691.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-17621043/a89e2f2e395b69e621c6e3c94f0daeff56d1b284-4x3-x1311y569w3588h2691.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-17621043/a89e2f2e395b69e621c6e3c94f0daeff56d1b284-4x3-x1311y569w3588h2691.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-17621043/a89e2f2e395b69e621c6e3c94f0daeff56d1b284-4x3-x1311y569w3588h2691.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 110px,(min-width: 768px) and (max-width: 1020px) 95px,140px"/><img src="https://images.thewest.com.au/publication/C-17621043/a89e2f2e395b69e621c6e3c94f0daeff56d1b284-4x3-x1311y569w3588h2691.jpg?imwidth=140&impolicy=wan_v3" alt="‘My dad has dementia. He lives by himself in his own home, worth about $850,000. It seems unfair he’d potentially need to give all that to get a place in a home. Should I put the house in my name?’" class="css-16r7l45-StyledImage en5ut4d0" loading="lazy" height="2879" width="2879"/><noscript><img src="https://images.thewest.com.au/publication/C-17621043/a89e2f2e395b69e621c6e3c94f0daeff56d1b284-4x3-x1311y569w3588h2691.jpg?imwidth=140&impolicy=wan_v3" alt="‘My dad has dementia. He lives by himself in his own home, worth about $850,000. It seems unfair he’d potentially need to give all that to get a place in a home. Should I put the house in my name?’" class="css-tl044d-StyledNoScriptImage-StyledImage eu9mom10" /></noscript></picture></div></div><div class="css-1ph55xy-StyledHeader e1smopwg7"><h2 class="e1smopwg6 Card-Headline css-3p030j-StyledHeadline-StyledHeadline e1w8lw9x9"><span class="css-u7n7hy-StyledKicker e1jes824"><span class="css-1p6fa63-StyledKickerText e1jes823">Bruining Q+A</span><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 55 49" class="StyledCommentsIcon css-101fbvt-StyledCommentsIcon e1jes821"><title>Comments</title><path d="M54 24.5v-11C54 6.4 48.4 1 41.4 1H13.6C6.6 1 1 6.6 1 13.4v11.1c0 6.9 5.6 12.4 12.6 12.4h1.3v9.7c0 1.2 1.6 1.9 2.4 1l10.8-10.7h13.3c7 0 12.6-5.5 12.6-12.4"></path></svg><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 260 260" class="css-14uybzh-StyledPremiumIcon e1jes822" role="img"><title>Premium</title><defs><linearGradient id="f1-ico-prem" x1="83.6%" x2="15.9%" y1="16.4%" y2="84.1%"><stop offset="0%" stop-color="#043DE2"></stop><stop offset="100%" stop-color="#1257E0"></stop></linearGradient><linearGradient id="f2-ico-prem" x1="104.4%" x2="3.3%" y1="4.3%" y2="104.9%"><stop offset="0%" stop-color="#F400AB"></stop><stop offset="100%" stop-color="#AA01E1"></stop></linearGradient></defs><path fill="url(#f1-ico-prem)" d="M216.6 124.8c-.7-15.5-7.4-20.4-12.4-23.4s-11-5.2-31.8-5.2c-12.4 0-16-12.3-16-22.2 0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.3 20.3 12.3 23.3 5 3 11.1 5.2 31.8 5.2 12.5 0 16 12.3 16 22.2 0 10-1.2 18 6 26.5a33 33 0 0 0 23.7 10.5h1s14-.3 22.6-10.5c7.3-8.6 6-16.6 6-26.5 0-9.9 3.6-22.2 16-22.2 20.7 0 26.8-2.2 31.8-5.2s11.7-7.9 12.4-23.3v-2-1.8z"></path><path fill="url(#f2-ico-prem)" d="M156.4 74c0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.2 20.2 12.3 23.3 5.8 3.5 14.4 5.4 31.8 5.2 29.5-.3 75.3-48.4 75.3-83.1z"></path></svg></span><span class="e1smopwg6 css-tnw37f-StyledHeadlineText-StyledHeadline e1w8lw9x7"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 55 49" class="e1w8lw9x3 StyledCommentsIcon css-i91420-StyledCommentsIcon-StyledCommentsIcon e1jes821"><title>Comments</title><path d="M54 24.5v-11C54 6.4 48.4 1 41.4 1H13.6C6.6 1 1 6.6 1 13.4v11.1c0 6.9 5.6 12.4 12.6 12.4h1.3v9.7c0 1.2 1.6 1.9 2.4 1l10.8-10.7h13.3c7 0 12.6-5.5 12.6-12.4"></path></svg><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 260 260" class="css-nxh6zq-StyledPremiumIcon e1w8lw9x4" role="img"><title>Premium</title><defs><linearGradient id="f1-ico-prem" x1="83.6%" x2="15.9%" y1="16.4%" y2="84.1%"><stop offset="0%" stop-color="#043DE2"></stop><stop offset="100%" stop-color="#1257E0"></stop></linearGradient><linearGradient id="f2-ico-prem" x1="104.4%" x2="3.3%" y1="4.3%" y2="104.9%"><stop offset="0%" stop-color="#F400AB"></stop><stop offset="100%" stop-color="#AA01E1"></stop></linearGradient></defs><path fill="url(#f1-ico-prem)" d="M216.6 124.8c-.7-15.5-7.4-20.4-12.4-23.4s-11-5.2-31.8-5.2c-12.4 0-16-12.3-16-22.2 0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.3 20.3 12.3 23.3 5 3 11.1 5.2 31.8 5.2 12.5 0 16 12.3 16 22.2 0 10-1.2 18 6 26.5a33 33 0 0 0 23.7 10.5h1s14-.3 22.6-10.5c7.3-8.6 6-16.6 6-26.5 0-9.9 3.6-22.2 16-22.2 20.7 0 26.8-2.2 31.8-5.2s11.7-7.9 12.4-23.3v-2-1.8z"></path><path fill="url(#f2-ico-prem)" d="M156.4 74c0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.2 20.2 12.3 23.3 5.8 3.5 14.4 5.4 31.8 5.2 29.5-.3 75.3-48.4 75.3-83.1z"></path></svg><span>Should I put Dad’s house in my name to cut aged-care cost?</span></span></h2><p class="e1smopwg3 css-1j4td8d-StyledTeaser-StyledTeaser e1w8lw9x6">Q+A: ‘My dad has dementia. He lives by himself in his own home, worth about $850,000. It seems unfair he’d potentially need to give all that to get a place in a home. Should I put the house in my name?’</p><div class="css-1t57q22-StyledInlineWrapper e1smopwg0"></div></div></a></div></div></div></div></div></div><div class="hide-print ad-no-notice css-svlwa0-StyledAdUnitWrapper ezkyf1c0"><div class="css-pkrrfy-StyledCenter ezkyf1c3"><div class="css-75thsc-StyledNotice ezkyf1c2"><div class="ad-mrec-three css-1u74liy-StyledAdUnit ezkyf1c4"></div></div></div></div><div class="hide-print ad-no-notice css-svlwa0-StyledAdUnitWrapper ezkyf1c0"><div class="css-54rauv-StyledCenter ezkyf1c3"><div class="css-75thsc-StyledNotice ezkyf1c2"><div class="ad-billboard-leaderboard-three css-1oizywe-StyledAdUnit ezkyf1c4"></div></div></div></div><div class="css-5l1g3y-StyledHeader elndtzg3"><div class="css-1ayvvco-SectionHeaderContainer e1fp214b13"><div class="css-5k0trs-HeadingWrapper e1fp214b8"><h2 class="css-64qlae-Heading e1fp214b10">Latest</h2><span class="css-10596bk-Divider e1fp214b9"></span></div></div></div><div class="css-1n5cxhf-StyledLima elndtzg4"><div class="css-hzanzy-StyledGridItem elndtzg1"><div class="css-1ls5bi3-StyledPortrait ew7cd2s5" data-topic="business/your-money"><a class="css-4yofy7-StyledLink-StyledLink ew7cd2s4" href="/business/your-money/sarah-wells-financial-burnout-is-real-and-its-a-growing-problem-heres-how-to-spot-signs-and-fight-back-c-17791500"><div class="ew7cd2s3 Card-Media css-1icnwod-StyledMedia-StyledCardMedia e1m2h3dd6"><div class="Card-Media-Content css-1gbeyhl-StyledMediaContent e1m2h3dd8"><picture class="image css-q2ve4i-PictureWithIntrinsicRatio eosncpx0"><source data-ratio="16:9" media="(min-width: 768px)" srcSet="https://images.thewest.com.au/publication/C-17791500/531b2f99ff77709beb9b78d8ecfc9b4e97292db8-16x9-x0y209w4000h2250.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-17791500/531b2f99ff77709beb9b78d8ecfc9b4e97292db8-16x9-x0y209w4000h2250.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-17791500/531b2f99ff77709beb9b78d8ecfc9b4e97292db8-16x9-x0y209w4000h2250.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-17791500/531b2f99ff77709beb9b78d8ecfc9b4e97292db8-16x9-x0y209w4000h2250.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-17791500/531b2f99ff77709beb9b78d8ecfc9b4e97292db8-16x9-x0y209w4000h2250.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-17791500/531b2f99ff77709beb9b78d8ecfc9b4e97292db8-16x9-x0y209w4000h2250.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-17791500/531b2f99ff77709beb9b78d8ecfc9b4e97292db8-16x9-x0y209w4000h2250.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-17791500/531b2f99ff77709beb9b78d8ecfc9b4e97292db8-16x9-x0y209w4000h2250.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-17791500/531b2f99ff77709beb9b78d8ecfc9b4e97292db8-16x9-x0y209w4000h2250.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 100vw,(min-width: 768px) and (max-width: 1020px) 50vw,313px"/><source data-ratio="4:3" media="(max-width: 767px)" srcSet="https://images.thewest.com.au/publication/C-17791500/531b2f99ff77709beb9b78d8ecfc9b4e97292db8-4x3-x222y0w3556h2667.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-17791500/531b2f99ff77709beb9b78d8ecfc9b4e97292db8-4x3-x222y0w3556h2667.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-17791500/531b2f99ff77709beb9b78d8ecfc9b4e97292db8-4x3-x222y0w3556h2667.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-17791500/531b2f99ff77709beb9b78d8ecfc9b4e97292db8-4x3-x222y0w3556h2667.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-17791500/531b2f99ff77709beb9b78d8ecfc9b4e97292db8-4x3-x222y0w3556h2667.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-17791500/531b2f99ff77709beb9b78d8ecfc9b4e97292db8-4x3-x222y0w3556h2667.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-17791500/531b2f99ff77709beb9b78d8ecfc9b4e97292db8-4x3-x222y0w3556h2667.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-17791500/531b2f99ff77709beb9b78d8ecfc9b4e97292db8-4x3-x222y0w3556h2667.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-17791500/531b2f99ff77709beb9b78d8ecfc9b4e97292db8-4x3-x222y0w3556h2667.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 100vw,(min-width: 768px) and (max-width: 1020px) 50vw,313px"/><img src="https://images.thewest.com.au/publication/C-17791500/531b2f99ff77709beb9b78d8ecfc9b4e97292db8-16x9-x0y209w4000h2250.jpg?imwidth=313&impolicy=wan_v3" alt="The confluence of our modern responsibilities, coupled with the escalating costs of living, creates fertile ground for the weight of bills, debts and seemingly unattainable savings goals to grow into an insurmountable burden." class="css-16r7l45-StyledImage en5ut4d0" loading="lazy" height="2250" width="2250"/><noscript><img src="https://images.thewest.com.au/publication/C-17791500/531b2f99ff77709beb9b78d8ecfc9b4e97292db8-16x9-x0y209w4000h2250.jpg?imwidth=313&impolicy=wan_v3" alt="The confluence of our modern responsibilities, coupled with the escalating costs of living, creates fertile ground for the weight of bills, debts and seemingly unattainable savings goals to grow into an insurmountable burden." class="css-tl044d-StyledNoScriptImage-StyledImage eu9mom10" /></noscript></picture></div></div><div class="ew7cd2s2 css-5s3171-StyledText-StyledCardText e1w8lw9x10"><h2 class="Card-Headline css-5u59ij-StyledHeadline e1w8lw9x9"><span class="css-1lc8609-StyledKicker e1jes824"><span class="css-1p6fa63-StyledKickerText e1jes823">Your Money</span><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 55 49" class="StyledCommentsIcon css-101fbvt-StyledCommentsIcon e1jes821"><title>Comments</title><path d="M54 24.5v-11C54 6.4 48.4 1 41.4 1H13.6C6.6 1 1 6.6 1 13.4v11.1c0 6.9 5.6 12.4 12.6 12.4h1.3v9.7c0 1.2 1.6 1.9 2.4 1l10.8-10.7h13.3c7 0 12.6-5.5 12.6-12.4"></path></svg><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 260 260" class="css-14uybzh-StyledPremiumIcon e1jes822" role="img"><title>Premium</title><defs><linearGradient id="f1-ico-prem" x1="83.6%" x2="15.9%" y1="16.4%" y2="84.1%"><stop offset="0%" stop-color="#043DE2"></stop><stop offset="100%" stop-color="#1257E0"></stop></linearGradient><linearGradient id="f2-ico-prem" x1="104.4%" x2="3.3%" y1="4.3%" y2="104.9%"><stop offset="0%" stop-color="#F400AB"></stop><stop offset="100%" stop-color="#AA01E1"></stop></linearGradient></defs><path fill="url(#f1-ico-prem)" d="M216.6 124.8c-.7-15.5-7.4-20.4-12.4-23.4s-11-5.2-31.8-5.2c-12.4 0-16-12.3-16-22.2 0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.3 20.3 12.3 23.3 5 3 11.1 5.2 31.8 5.2 12.5 0 16 12.3 16 22.2 0 10-1.2 18 6 26.5a33 33 0 0 0 23.7 10.5h1s14-.3 22.6-10.5c7.3-8.6 6-16.6 6-26.5 0-9.9 3.6-22.2 16-22.2 20.7 0 26.8-2.2 31.8-5.2s11.7-7.9 12.4-23.3v-2-1.8z"></path><path fill="url(#f2-ico-prem)" d="M156.4 74c0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.2 20.2 12.3 23.3 5.8 3.5 14.4 5.4 31.8 5.2 29.5-.3 75.3-48.4 75.3-83.1z"></path></svg></span><span class="css-249bft-StyledHeadlineText e1w8lw9x7"><span>Financial burnout is real, and it’s a growing problem</span></span></h2><p class="css-36a6lh-StyledTeaser e1w8lw9x6">In an era defined by relentless pressures and the demand to achieve more with diminishing resources, a subtle yet pervasive phenomenon is taking hold: financial burnout. Here’s how to fight back.</p></div><div class="ew7cd2s1 CardByline css-8ail66-StyledByline-StyledCardByline ebzp2e48"><p class="CardByline-Text css-102194g-StyledBylineText ebzp2e47">Sarah Wells</p></div></a></div></div><div class="css-hzanzy-StyledGridItem elndtzg1"><div class="css-1ls5bi3-StyledPortrait ew7cd2s5" data-topic="business/your-money"><a class="css-4yofy7-StyledLink-StyledLink ew7cd2s4" href="/business/your-money/nick-bruining-heres-how-to-make-the-most-of-the-2m-transfer-balance-cap-for-superannuation--c-17790660"><div class="ew7cd2s3 Card-Media css-1icnwod-StyledMedia-StyledCardMedia e1m2h3dd6"><div class="Card-Media-Content css-1gbeyhl-StyledMediaContent e1m2h3dd8"><picture class="image css-q2ve4i-PictureWithIntrinsicRatio eosncpx0"><source data-ratio="16:9" media="(min-width: 768px)" srcSet="https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-16x9-x269y1268w1058h595.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-16x9-x269y1268w1058h595.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-16x9-x269y1268w1058h595.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-16x9-x269y1268w1058h595.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-16x9-x269y1268w1058h595.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-16x9-x269y1268w1058h595.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-16x9-x269y1268w1058h595.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-16x9-x269y1268w1058h595.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-16x9-x269y1268w1058h595.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 100vw,(min-width: 768px) and (max-width: 1020px) 50vw,313px"/><source data-ratio="4:3" media="(max-width: 767px)" srcSet="https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-4x3-x307y1107w985h739.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-4x3-x307y1107w985h739.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-4x3-x307y1107w985h739.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-4x3-x307y1107w985h739.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-4x3-x307y1107w985h739.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-4x3-x307y1107w985h739.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-4x3-x307y1107w985h739.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-4x3-x307y1107w985h739.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-4x3-x307y1107w985h739.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 100vw,(min-width: 768px) and (max-width: 1020px) 50vw,313px"/><img src="https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-16x9-x269y1268w1058h595.jpg?imwidth=313&impolicy=wan_v3" alt="The transfer balance cap is the amount of money that can be transferred from superannuation in the taxed accumulation phase to the tax-free retirement or pension phase. " class="css-16r7l45-StyledImage en5ut4d0" loading="lazy" height="595" width="595"/><noscript><img src="https://images.thewest.com.au/publication/C-17790660/9f9f94e45e3ab30dfe2e8c6f9529870a0ba68a8f-16x9-x269y1268w1058h595.jpg?imwidth=313&impolicy=wan_v3" alt="The transfer balance cap is the amount of money that can be transferred from superannuation in the taxed accumulation phase to the tax-free retirement or pension phase. " class="css-tl044d-StyledNoScriptImage-StyledImage eu9mom10" /></noscript></picture></div></div><div class="ew7cd2s2 css-5s3171-StyledText-StyledCardText e1w8lw9x10"><h2 class="Card-Headline css-5u59ij-StyledHeadline e1w8lw9x9"><span class="css-1lc8609-StyledKicker e1jes824"><span class="css-1p6fa63-StyledKickerText e1jes823">Your Money</span><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 55 49" class="StyledCommentsIcon css-101fbvt-StyledCommentsIcon e1jes821"><title>Comments</title><path d="M54 24.5v-11C54 6.4 48.4 1 41.4 1H13.6C6.6 1 1 6.6 1 13.4v11.1c0 6.9 5.6 12.4 12.6 12.4h1.3v9.7c0 1.2 1.6 1.9 2.4 1l10.8-10.7h13.3c7 0 12.6-5.5 12.6-12.4"></path></svg><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 260 260" class="css-14uybzh-StyledPremiumIcon e1jes822" role="img"><title>Premium</title><defs><linearGradient id="f1-ico-prem" x1="83.6%" x2="15.9%" y1="16.4%" y2="84.1%"><stop offset="0%" stop-color="#043DE2"></stop><stop offset="100%" stop-color="#1257E0"></stop></linearGradient><linearGradient id="f2-ico-prem" x1="104.4%" x2="3.3%" y1="4.3%" y2="104.9%"><stop offset="0%" stop-color="#F400AB"></stop><stop offset="100%" stop-color="#AA01E1"></stop></linearGradient></defs><path fill="url(#f1-ico-prem)" d="M216.6 124.8c-.7-15.5-7.4-20.4-12.4-23.4s-11-5.2-31.8-5.2c-12.4 0-16-12.3-16-22.2 0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.3 20.3 12.3 23.3 5 3 11.1 5.2 31.8 5.2 12.5 0 16 12.3 16 22.2 0 10-1.2 18 6 26.5a33 33 0 0 0 23.7 10.5h1s14-.3 22.6-10.5c7.3-8.6 6-16.6 6-26.5 0-9.9 3.6-22.2 16-22.2 20.7 0 26.8-2.2 31.8-5.2s11.7-7.9 12.4-23.3v-2-1.8z"></path><path fill="url(#f2-ico-prem)" d="M156.4 74c0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.2 20.2 12.3 23.3 5.8 3.5 14.4 5.4 31.8 5.2 29.5-.3 75.3-48.4 75.3-83.1z"></path></svg></span><span class="css-249bft-StyledHeadlineText e1w8lw9x7"><span>Two million reasons to celebrate if you’re near retirement</span></span></h2><p class="css-36a6lh-StyledTeaser e1w8lw9x6">It’s been all but confirmed — Australians are set to see a $100,000 increase in the amount of money they can invest in an environment that’s completely tax-free. Here’s how to take advantage of the new limit.</p></div><div class="ew7cd2s1 CardByline css-8ail66-StyledByline-StyledCardByline ebzp2e48"><p class="CardByline-Text css-102194g-StyledBylineText ebzp2e47">Nick Bruining</p></div></a></div></div><div class="css-hzanzy-StyledGridItem elndtzg1"><div class="css-1ls5bi3-StyledPortrait ew7cd2s5" data-topic="business/your-money"><a class="css-4yofy7-StyledLink-StyledLink ew7cd2s4" href="/business/your-money/nick-bruining-the-magic-loan-to-value-number-that-could-get-you-a-super-refinancing-deal-on-your-mortgage-c-17789612"><div class="ew7cd2s3 Card-Media css-1icnwod-StyledMedia-StyledCardMedia e1m2h3dd6"><div class="Card-Media-Content css-1gbeyhl-StyledMediaContent e1m2h3dd8"><picture class="image css-q2ve4i-PictureWithIntrinsicRatio eosncpx0"><source data-ratio="16:9" media="(min-width: 768px)" srcSet="https://images.thewest.com.au/publication/C-17789612/a15bfcc9ef861c1f656ed8d3b7e682323affcbec-16x9-x203y712w6048h3402.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-17789612/a15bfcc9ef861c1f656ed8d3b7e682323affcbec-16x9-x203y712w6048h3402.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-17789612/a15bfcc9ef861c1f656ed8d3b7e682323affcbec-16x9-x203y712w6048h3402.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-17789612/a15bfcc9ef861c1f656ed8d3b7e682323affcbec-16x9-x203y712w6048h3402.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-17789612/a15bfcc9ef861c1f656ed8d3b7e682323affcbec-16x9-x203y712w6048h3402.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-17789612/a15bfcc9ef861c1f656ed8d3b7e682323affcbec-16x9-x203y712w6048h3402.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-17789612/a15bfcc9ef861c1f656ed8d3b7e682323affcbec-16x9-x203y712w6048h3402.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-17789612/a15bfcc9ef861c1f656ed8d3b7e682323affcbec-16x9-x203y712w6048h3402.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-17789612/a15bfcc9ef861c1f656ed8d3b7e682323affcbec-16x9-x203y712w6048h3402.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 100vw,(min-width: 768px) and (max-width: 1020px) 50vw,313px"/><source data-ratio="4:3" media="(max-width: 767px)" srcSet="https://images.thewest.com.au/publication/C-17789612/a15bfcc9ef861c1f656ed8d3b7e682323affcbec-4x3-x1094y782w4412h3309.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-17789612/a15bfcc9ef861c1f656ed8d3b7e682323affcbec-4x3-x1094y782w4412h3309.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-17789612/a15bfcc9ef861c1f656ed8d3b7e682323affcbec-4x3-x1094y782w4412h3309.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-17789612/a15bfcc9ef861c1f656ed8d3b7e682323affcbec-4x3-x1094y782w4412h3309.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-17789612/a15bfcc9ef861c1f656ed8d3b7e682323affcbec-4x3-x1094y782w4412h3309.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-17789612/a15bfcc9ef861c1f656ed8d3b7e682323affcbec-4x3-x1094y782w4412h3309.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-17789612/a15bfcc9ef861c1f656ed8d3b7e682323affcbec-4x3-x1094y782w4412h3309.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-17789612/a15bfcc9ef861c1f656ed8d3b7e682323affcbec-4x3-x1094y782w4412h3309.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-17789612/a15bfcc9ef861c1f656ed8d3b7e682323affcbec-4x3-x1094y782w4412h3309.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 100vw,(min-width: 768px) and (max-width: 1020px) 50vw,313px"/><img src="https://images.thewest.com.au/publication/C-17789612/a15bfcc9ef861c1f656ed8d3b7e682323affcbec-16x9-x203y712w6048h3402.jpg?imwidth=313&impolicy=wan_v3" alt="The RBA has finally cut interest rates, and now is the time to hassle your bank for a better home loan deal. And there’s one magic number they want to hear that could get you a cracking new rate. " class="css-16r7l45-StyledImage en5ut4d0" loading="lazy" height="3402" width="3402"/><noscript><img src="https://images.thewest.com.au/publication/C-17789612/a15bfcc9ef861c1f656ed8d3b7e682323affcbec-16x9-x203y712w6048h3402.jpg?imwidth=313&impolicy=wan_v3" alt="The RBA has finally cut interest rates, and now is the time to hassle your bank for a better home loan deal. And there’s one magic number they want to hear that could get you a cracking new rate. " class="css-tl044d-StyledNoScriptImage-StyledImage eu9mom10" /></noscript></picture></div></div><div class="ew7cd2s2 css-5s3171-StyledText-StyledCardText e1w8lw9x10"><h2 class="Card-Headline css-5u59ij-StyledHeadline e1w8lw9x9"><span class="css-1lc8609-StyledKicker e1jes824"><span class="css-1p6fa63-StyledKickerText e1jes823">Your Money</span><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 55 49" class="StyledCommentsIcon css-101fbvt-StyledCommentsIcon e1jes821"><title>Comments</title><path d="M54 24.5v-11C54 6.4 48.4 1 41.4 1H13.6C6.6 1 1 6.6 1 13.4v11.1c0 6.9 5.6 12.4 12.6 12.4h1.3v9.7c0 1.2 1.6 1.9 2.4 1l10.8-10.7h13.3c7 0 12.6-5.5 12.6-12.4"></path></svg><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 260 260" class="css-14uybzh-StyledPremiumIcon e1jes822" role="img"><title>Premium</title><defs><linearGradient id="f1-ico-prem" x1="83.6%" x2="15.9%" y1="16.4%" y2="84.1%"><stop offset="0%" stop-color="#043DE2"></stop><stop offset="100%" stop-color="#1257E0"></stop></linearGradient><linearGradient id="f2-ico-prem" x1="104.4%" x2="3.3%" y1="4.3%" y2="104.9%"><stop offset="0%" stop-color="#F400AB"></stop><stop offset="100%" stop-color="#AA01E1"></stop></linearGradient></defs><path fill="url(#f1-ico-prem)" d="M216.6 124.8c-.7-15.5-7.4-20.4-12.4-23.4s-11-5.2-31.8-5.2c-12.4 0-16-12.3-16-22.2 0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.3 20.3 12.3 23.3 5 3 11.1 5.2 31.8 5.2 12.5 0 16 12.3 16 22.2 0 10-1.2 18 6 26.5a33 33 0 0 0 23.7 10.5h1s14-.3 22.6-10.5c7.3-8.6 6-16.6 6-26.5 0-9.9 3.6-22.2 16-22.2 20.7 0 26.8-2.2 31.8-5.2s11.7-7.9 12.4-23.3v-2-1.8z"></path><path fill="url(#f2-ico-prem)" d="M156.4 74c0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.2 20.2 12.3 23.3 5.8 3.5 14.4 5.4 31.8 5.2 29.5-.3 75.3-48.4 75.3-83.1z"></path></svg></span><span class="css-249bft-StyledHeadlineText e1w8lw9x7"><span>This magic number will get you a super home loan rate </span></span></h2><p class="css-36a6lh-StyledTeaser e1w8lw9x6">The RBA has finally cut interest rates and now is the time to hassle your bank for a better home loan deal. And there’s one magic number they want to hear that could get you a cracking new rate. </p></div><div class="ew7cd2s1 CardByline css-8ail66-StyledByline-StyledCardByline ebzp2e48"><p class="CardByline-Text css-102194g-StyledBylineText ebzp2e47">Nick Bruining</p></div></a></div></div><div class="css-hzanzy-StyledGridItem elndtzg1"><div class="css-1ls5bi3-StyledPortrait ew7cd2s5" data-topic="business/your-money"><a class="css-4yofy7-StyledLink-StyledLink ew7cd2s4" href="/business/your-money/nick-bruining-qa-was-goldstate-superannuation-is-safe-as-houses-so-be-careful-before-you-shake-it-up-c-17777868"><div class="ew7cd2s3 Card-Media css-1icnwod-StyledMedia-StyledCardMedia e1m2h3dd6"><div class="Card-Media-Content css-1gbeyhl-StyledMediaContent e1m2h3dd8"><picture class="image css-q2ve4i-PictureWithIntrinsicRatio eosncpx0"><source data-ratio="16:9" media="(min-width: 768px)" srcSet="https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-16x9-x39y2187w1174h661.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-16x9-x39y2187w1174h661.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-16x9-x39y2187w1174h661.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-16x9-x39y2187w1174h661.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-16x9-x39y2187w1174h661.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-16x9-x39y2187w1174h661.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-16x9-x39y2187w1174h661.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-16x9-x39y2187w1174h661.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-16x9-x39y2187w1174h661.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 100vw,(min-width: 768px) and (max-width: 1020px) 50vw,313px"/><source data-ratio="4:3" media="(max-width: 767px)" srcSet="https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-4x3-x169y2113w979h735.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-4x3-x169y2113w979h735.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-4x3-x169y2113w979h735.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-4x3-x169y2113w979h735.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-4x3-x169y2113w979h735.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-4x3-x169y2113w979h735.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-4x3-x169y2113w979h735.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-4x3-x169y2113w979h735.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-4x3-x169y2113w979h735.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 100vw,(min-width: 768px) and (max-width: 1020px) 50vw,313px"/><img src="https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-16x9-x39y2187w1174h661.jpg?imwidth=313&impolicy=wan_v3" alt="WA’s coveted GoldState superannuation scheme for public sector workers offers government-backed returns. But an adviser’s suggestion for shift the bulk of a former teacher’s savings seems a risky strategy." class="css-16r7l45-StyledImage en5ut4d0" loading="lazy" height="661" width="661"/><noscript><img src="https://images.thewest.com.au/publication/C-17777868/f6a469d5d0f0a79c8c8ad67b92f99a13a588b750-16x9-x39y2187w1174h661.jpg?imwidth=313&impolicy=wan_v3" alt="WA’s coveted GoldState superannuation scheme for public sector workers offers government-backed returns. But an adviser’s suggestion for shift the bulk of a former teacher’s savings seems a risky strategy." class="css-tl044d-StyledNoScriptImage-StyledImage eu9mom10" /></noscript></picture></div></div><div class="ew7cd2s2 css-5s3171-StyledText-StyledCardText e1w8lw9x10"><h2 class="Card-Headline css-5u59ij-StyledHeadline e1w8lw9x9"><span class="css-1lc8609-StyledKicker e1jes824"><span class="css-1p6fa63-StyledKickerText e1jes823">Bruining Q+A</span><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 55 49" class="StyledCommentsIcon css-101fbvt-StyledCommentsIcon e1jes821"><title>Comments</title><path d="M54 24.5v-11C54 6.4 48.4 1 41.4 1H13.6C6.6 1 1 6.6 1 13.4v11.1c0 6.9 5.6 12.4 12.6 12.4h1.3v9.7c0 1.2 1.6 1.9 2.4 1l10.8-10.7h13.3c7 0 12.6-5.5 12.6-12.4"></path></svg><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 260 260" class="css-14uybzh-StyledPremiumIcon e1jes822" role="img"><title>Premium</title><defs><linearGradient id="f1-ico-prem" x1="83.6%" x2="15.9%" y1="16.4%" y2="84.1%"><stop offset="0%" stop-color="#043DE2"></stop><stop offset="100%" stop-color="#1257E0"></stop></linearGradient><linearGradient id="f2-ico-prem" x1="104.4%" x2="3.3%" y1="4.3%" y2="104.9%"><stop offset="0%" stop-color="#F400AB"></stop><stop offset="100%" stop-color="#AA01E1"></stop></linearGradient></defs><path fill="url(#f1-ico-prem)" d="M216.6 124.8c-.7-15.5-7.4-20.4-12.4-23.4s-11-5.2-31.8-5.2c-12.4 0-16-12.3-16-22.2 0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.3 20.3 12.3 23.3 5 3 11.1 5.2 31.8 5.2 12.5 0 16 12.3 16 22.2 0 10-1.2 18 6 26.5a33 33 0 0 0 23.7 10.5h1s14-.3 22.6-10.5c7.3-8.6 6-16.6 6-26.5 0-9.9 3.6-22.2 16-22.2 20.7 0 26.8-2.2 31.8-5.2s11.7-7.9 12.4-23.3v-2-1.8z"></path><path fill="url(#f2-ico-prem)" d="M156.4 74c0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.2 20.2 12.3 23.3 5.8 3.5 14.4 5.4 31.8 5.2 29.5-.3 75.3-48.4 75.3-83.1z"></path></svg></span><span class="css-249bft-StyledHeadlineText e1w8lw9x7"><span>Stop! Do not let that money adviser touch your life savings</span></span></h2><p class="css-36a6lh-StyledTeaser e1w8lw9x6">Q+A: WA’s coveted GoldState superannuation scheme for public sector workers offers government-backed returns. But an adviser’s suggestion to shift the bulk of a former teacher’s savings seems a risky strategy.</p></div><div class="ew7cd2s1 CardByline css-8ail66-StyledByline-StyledCardByline ebzp2e48"><p class="CardByline-Text css-102194g-StyledBylineText ebzp2e47">Nick Bruining</p></div></a></div></div><div class="css-hzanzy-StyledGridItem elndtzg1"><div class="css-1ls5bi3-StyledPortrait ew7cd2s5" data-topic="business/your-money"><a class="css-4yofy7-StyledLink-StyledLink ew7cd2s4" href="/business/your-money/why-a-rising-number-of-singles-are-counting-the-cost-of-going-it-alone-and-how-we-can-ease-the-burden-c-17710879"><div class="ew7cd2s3 Card-Media css-1icnwod-StyledMedia-StyledCardMedia e1m2h3dd6"><div class="Card-Media-Content css-1gbeyhl-StyledMediaContent e1m2h3dd8"><picture class="image css-q2ve4i-PictureWithIntrinsicRatio eosncpx0"><source data-ratio="16:9" media="(min-width: 768px)" srcSet="https://images.thewest.com.au/publication/C-17710879/d059af02006503c89b118253f3f8082361da1ab5-16x9-x0y745w7154h4024.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-17710879/d059af02006503c89b118253f3f8082361da1ab5-16x9-x0y745w7154h4024.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-17710879/d059af02006503c89b118253f3f8082361da1ab5-16x9-x0y745w7154h4024.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-17710879/d059af02006503c89b118253f3f8082361da1ab5-16x9-x0y745w7154h4024.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-17710879/d059af02006503c89b118253f3f8082361da1ab5-16x9-x0y745w7154h4024.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-17710879/d059af02006503c89b118253f3f8082361da1ab5-16x9-x0y745w7154h4024.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-17710879/d059af02006503c89b118253f3f8082361da1ab5-16x9-x0y745w7154h4024.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-17710879/d059af02006503c89b118253f3f8082361da1ab5-16x9-x0y745w7154h4024.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-17710879/d059af02006503c89b118253f3f8082361da1ab5-16x9-x0y745w7154h4024.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 100vw,(min-width: 768px) and (max-width: 1020px) 50vw,313px"/><source data-ratio="4:3" media="(max-width: 767px)" srcSet="https://images.thewest.com.au/publication/C-17710879/d059af02006503c89b118253f3f8082361da1ab5-4x3-x866y718w5401h4051.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-17710879/d059af02006503c89b118253f3f8082361da1ab5-4x3-x866y718w5401h4051.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-17710879/d059af02006503c89b118253f3f8082361da1ab5-4x3-x866y718w5401h4051.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-17710879/d059af02006503c89b118253f3f8082361da1ab5-4x3-x866y718w5401h4051.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-17710879/d059af02006503c89b118253f3f8082361da1ab5-4x3-x866y718w5401h4051.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-17710879/d059af02006503c89b118253f3f8082361da1ab5-4x3-x866y718w5401h4051.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-17710879/d059af02006503c89b118253f3f8082361da1ab5-4x3-x866y718w5401h4051.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-17710879/d059af02006503c89b118253f3f8082361da1ab5-4x3-x866y718w5401h4051.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-17710879/d059af02006503c89b118253f3f8082361da1ab5-4x3-x866y718w5401h4051.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 100vw,(min-width: 768px) and (max-width: 1020px) 50vw,313px"/><img src="https://images.thewest.com.au/publication/C-17710879/d059af02006503c89b118253f3f8082361da1ab5-16x9-x0y745w7154h4024.jpg?imwidth=313&impolicy=wan_v3" alt="The economies of scale from being in a couple don’t just help when it comes to travelling. With the number of one-person households on the rise, the ‘singles tax’ is staring to hurt, particularly solo parents." class="css-16r7l45-StyledImage en5ut4d0" loading="lazy" height="4024" width="4024"/><noscript><img src="https://images.thewest.com.au/publication/C-17710879/d059af02006503c89b118253f3f8082361da1ab5-16x9-x0y745w7154h4024.jpg?imwidth=313&impolicy=wan_v3" alt="The economies of scale from being in a couple don’t just help when it comes to travelling. With the number of one-person households on the rise, the ‘singles tax’ is staring to hurt, particularly solo parents." class="css-tl044d-StyledNoScriptImage-StyledImage eu9mom10" /></noscript></picture></div></div><div class="ew7cd2s2 css-5s3171-StyledText-StyledCardText e1w8lw9x10"><h2 class="Card-Headline css-5u59ij-StyledHeadline e1w8lw9x9"><span class="css-1lc8609-StyledKicker e1jes824"><span class="css-1p6fa63-StyledKickerText e1jes823">Flying solo</span><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 55 49" class="StyledCommentsIcon css-101fbvt-StyledCommentsIcon e1jes821"><title>Comments</title><path d="M54 24.5v-11C54 6.4 48.4 1 41.4 1H13.6C6.6 1 1 6.6 1 13.4v11.1c0 6.9 5.6 12.4 12.6 12.4h1.3v9.7c0 1.2 1.6 1.9 2.4 1l10.8-10.7h13.3c7 0 12.6-5.5 12.6-12.4"></path></svg><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 260 260" class="css-14uybzh-StyledPremiumIcon e1jes822" role="img"><title>Premium</title><defs><linearGradient id="f1-ico-prem" x1="83.6%" x2="15.9%" y1="16.4%" y2="84.1%"><stop offset="0%" stop-color="#043DE2"></stop><stop offset="100%" stop-color="#1257E0"></stop></linearGradient><linearGradient id="f2-ico-prem" x1="104.4%" x2="3.3%" y1="4.3%" y2="104.9%"><stop offset="0%" stop-color="#F400AB"></stop><stop offset="100%" stop-color="#AA01E1"></stop></linearGradient></defs><path fill="url(#f1-ico-prem)" d="M216.6 124.8c-.7-15.5-7.4-20.4-12.4-23.4s-11-5.2-31.8-5.2c-12.4 0-16-12.3-16-22.2 0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.3 20.3 12.3 23.3 5 3 11.1 5.2 31.8 5.2 12.5 0 16 12.3 16 22.2 0 10-1.2 18 6 26.5a33 33 0 0 0 23.7 10.5h1s14-.3 22.6-10.5c7.3-8.6 6-16.6 6-26.5 0-9.9 3.6-22.2 16-22.2 20.7 0 26.8-2.2 31.8-5.2s11.7-7.9 12.4-23.3v-2-1.8z"></path><path fill="url(#f2-ico-prem)" d="M156.4 74c0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.2 20.2 12.3 23.3 5.8 3.5 14.4 5.4 31.8 5.2 29.5-.3 75.3-48.4 75.3-83.1z"></path></svg></span><span class="css-249bft-StyledHeadlineText e1w8lw9x7"><span>Rising number of singles counting the cost of going it alone</span></span></h2><p class="css-36a6lh-StyledTeaser e1w8lw9x6">The economies of scale from being in a couple don’t just help when it comes to travelling. With the number of one-person households on the rise, the ‘singles tax’ is staring to hurt, particularly solo parents.</p></div><div class="ew7cd2s1 CardByline css-8ail66-StyledByline-StyledCardByline ebzp2e48"><p class="CardByline-Text css-102194g-StyledBylineText ebzp2e47">Alicia Bubb and Sarah Sinclair</p></div></a></div></div><div class="css-hzanzy-StyledGridItem elndtzg1"><div class="css-1ls5bi3-StyledPortrait ew7cd2s5" data-topic="lifestyle/superannuation"><a class="css-4yofy7-StyledLink-StyledLink ew7cd2s4" href="/lifestyle/superannuation/australian-retirees-tipped-to-join-worlds-wealthiest-c-17821920"><div class="ew7cd2s3 Card-Media css-1icnwod-StyledMedia-StyledCardMedia e1m2h3dd6"><div class="Card-Media-Content css-1gbeyhl-StyledMediaContent e1m2h3dd8"><picture class="image css-q2ve4i-PictureWithIntrinsicRatio eosncpx0"><source data-ratio="16:9" media="(min-width: 768px)" srcSet="https://images.thewest.com.au/publication/C-17821920/7bab418b84e93cc4776e05316cb8fd3d98bf45fd-16x9-x0y0w1280h720.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-17821920/7bab418b84e93cc4776e05316cb8fd3d98bf45fd-16x9-x0y0w1280h720.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-17821920/7bab418b84e93cc4776e05316cb8fd3d98bf45fd-16x9-x0y0w1280h720.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-17821920/7bab418b84e93cc4776e05316cb8fd3d98bf45fd-16x9-x0y0w1280h720.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-17821920/7bab418b84e93cc4776e05316cb8fd3d98bf45fd-16x9-x0y0w1280h720.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-17821920/7bab418b84e93cc4776e05316cb8fd3d98bf45fd-16x9-x0y0w1280h720.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-17821920/7bab418b84e93cc4776e05316cb8fd3d98bf45fd-16x9-x0y0w1280h720.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-17821920/7bab418b84e93cc4776e05316cb8fd3d98bf45fd-16x9-x0y0w1280h720.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-17821920/7bab418b84e93cc4776e05316cb8fd3d98bf45fd-16x9-x0y0w1280h720.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 100vw,(min-width: 768px) and (max-width: 1020px) 50vw,313px"/><source data-ratio="4:3" media="(max-width: 767px)" srcSet="https://images.thewest.com.au/publication/C-17821920/7bab418b84e93cc4776e05316cb8fd3d98bf45fd-4x3-x160y0w960h720.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-17821920/7bab418b84e93cc4776e05316cb8fd3d98bf45fd-4x3-x160y0w960h720.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-17821920/7bab418b84e93cc4776e05316cb8fd3d98bf45fd-4x3-x160y0w960h720.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-17821920/7bab418b84e93cc4776e05316cb8fd3d98bf45fd-4x3-x160y0w960h720.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-17821920/7bab418b84e93cc4776e05316cb8fd3d98bf45fd-4x3-x160y0w960h720.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-17821920/7bab418b84e93cc4776e05316cb8fd3d98bf45fd-4x3-x160y0w960h720.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-17821920/7bab418b84e93cc4776e05316cb8fd3d98bf45fd-4x3-x160y0w960h720.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-17821920/7bab418b84e93cc4776e05316cb8fd3d98bf45fd-4x3-x160y0w960h720.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-17821920/7bab418b84e93cc4776e05316cb8fd3d98bf45fd-4x3-x160y0w960h720.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 100vw,(min-width: 768px) and (max-width: 1020px) 50vw,313px"/><img src="https://images.thewest.com.au/publication/C-17821920/7bab418b84e93cc4776e05316cb8fd3d98bf45fd-16x9-x0y0w1280h720.jpg?imwidth=313&impolicy=wan_v3" alt="The value of Australia's pension assets is expected to rise the second highest in the world. (Jane Dempster/AAP PHOTOS)" class="css-16r7l45-StyledImage en5ut4d0" loading="lazy" height="720" width="720"/><noscript><img src="https://images.thewest.com.au/publication/C-17821920/7bab418b84e93cc4776e05316cb8fd3d98bf45fd-16x9-x0y0w1280h720.jpg?imwidth=313&impolicy=wan_v3" alt="The value of Australia's pension assets is expected to rise the second highest in the world. (Jane Dempster/AAP PHOTOS)" class="css-tl044d-StyledNoScriptImage-StyledImage eu9mom10" /></noscript></picture></div></div><div class="ew7cd2s2 css-5s3171-StyledText-StyledCardText e1w8lw9x10"><h2 class="Card-Headline css-5u59ij-StyledHeadline e1w8lw9x9"><span class="css-1lc8609-StyledKicker e1jes824"><span class="css-1p6fa63-StyledKickerText e1jes823">Super</span><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 260 260" class="css-14uybzh-StyledPremiumIcon e1jes822" role="img"><title>Premium</title><defs><linearGradient id="f1-ico-prem" x1="83.6%" x2="15.9%" y1="16.4%" y2="84.1%"><stop offset="0%" stop-color="#043DE2"></stop><stop offset="100%" stop-color="#1257E0"></stop></linearGradient><linearGradient id="f2-ico-prem" x1="104.4%" x2="3.3%" y1="4.3%" y2="104.9%"><stop offset="0%" stop-color="#F400AB"></stop><stop offset="100%" stop-color="#AA01E1"></stop></linearGradient></defs><path fill="url(#f1-ico-prem)" d="M216.6 124.8c-.7-15.5-7.4-20.4-12.4-23.4s-11-5.2-31.8-5.2c-12.4 0-16-12.3-16-22.2 0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.3 20.3 12.3 23.3 5 3 11.1 5.2 31.8 5.2 12.5 0 16 12.3 16 22.2 0 10-1.2 18 6 26.5a33 33 0 0 0 23.7 10.5h1s14-.3 22.6-10.5c7.3-8.6 6-16.6 6-26.5 0-9.9 3.6-22.2 16-22.2 20.7 0 26.8-2.2 31.8-5.2s11.7-7.9 12.4-23.3v-2-1.8z"></path><path fill="url(#f2-ico-prem)" d="M156.4 74c0-9.9 1.3-17.9-6-26.4A33 33 0 0 0 127.8 37l-1-.1-1 .1s-14.1.2-22.7 10.5C96 56 97.1 64 97.1 74c0 9.9-3.5 22.2-16 22.2-20.7 0-26.8 2.2-31.8 5.2s-11.6 8-12.3 23.4v3.8c.7 15.4 7.2 20.2 12.3 23.3 5.8 3.5 14.4 5.4 31.8 5.2 29.5-.3 75.3-48.4 75.3-83.1z"></path></svg></span><span class="css-249bft-StyledHeadlineText e1w8lw9x7"><span>Australian retirees tipped to join world's wealthiest</span></span></h2><p class="css-36a6lh-StyledTeaser e1w8lw9x6">Australian pensioners are tipped to be among the richest in the world by 2030 as Australian superannuation funds representatives head to a US summit.</p></div><div class="ew7cd2s1 CardByline css-8ail66-StyledByline-StyledCardByline ebzp2e48"><p class="CardByline-Text css-102194g-StyledBylineText ebzp2e47">Melissa Meehan</p></div></a></div></div><div class="css-hzanzy-StyledGridItem elndtzg1"><div class="css-1ls5bi3-StyledPortrait ew7cd2s5" data-topic="business/your-money"><a class="css-4yofy7-StyledLink-StyledLink ew7cd2s4" href="/business/your-money/australiansuper-cops-fine-over-inexcusable-69m-duplicate-accounts-bungle-c-17799091"><div class="ew7cd2s3 Card-Media css-1icnwod-StyledMedia-StyledCardMedia e1m2h3dd6"><div class="Card-Media-Content css-1gbeyhl-StyledMediaContent e1m2h3dd8"><picture class="image css-q2ve4i-PictureWithIntrinsicRatio eosncpx0"><source data-ratio="16:9" media="(min-width: 768px)" srcSet="https://images.thewest.com.au/publication/C-17799091/6f55a6420553c441c44bb8974908e05a46888c0f-16x9-x0y0w1280h720.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-17799091/6f55a6420553c441c44bb8974908e05a46888c0f-16x9-x0y0w1280h720.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-17799091/6f55a6420553c441c44bb8974908e05a46888c0f-16x9-x0y0w1280h720.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-17799091/6f55a6420553c441c44bb8974908e05a46888c0f-16x9-x0y0w1280h720.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-17799091/6f55a6420553c441c44bb8974908e05a46888c0f-16x9-x0y0w1280h720.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-17799091/6f55a6420553c441c44bb8974908e05a46888c0f-16x9-x0y0w1280h720.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-17799091/6f55a6420553c441c44bb8974908e05a46888c0f-16x9-x0y0w1280h720.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-17799091/6f55a6420553c441c44bb8974908e05a46888c0f-16x9-x0y0w1280h720.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-17799091/6f55a6420553c441c44bb8974908e05a46888c0f-16x9-x0y0w1280h720.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 100vw,(min-width: 768px) and (max-width: 1020px) 50vw,313px"/><source data-ratio="4:3" media="(max-width: 767px)" srcSet="https://images.thewest.com.au/publication/C-17799091/6f55a6420553c441c44bb8974908e05a46888c0f-4x3-x160y0w960h720.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-17799091/6f55a6420553c441c44bb8974908e05a46888c0f-4x3-x160y0w960h720.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-17799091/6f55a6420553c441c44bb8974908e05a46888c0f-4x3-x160y0w960h720.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-17799091/6f55a6420553c441c44bb8974908e05a46888c0f-4x3-x160y0w960h720.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-17799091/6f55a6420553c441c44bb8974908e05a46888c0f-4x3-x160y0w960h720.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-17799091/6f55a6420553c441c44bb8974908e05a46888c0f-4x3-x160y0w960h720.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-17799091/6f55a6420553c441c44bb8974908e05a46888c0f-4x3-x160y0w960h720.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-17799091/6f55a6420553c441c44bb8974908e05a46888c0f-4x3-x160y0w960h720.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-17799091/6f55a6420553c441c44bb8974908e05a46888c0f-4x3-x160y0w960h720.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 100vw,(min-width: 768px) and (max-width: 1020px) 50vw,313px"/><img src="https://images.thewest.com.au/publication/C-17799091/6f55a6420553c441c44bb8974908e05a46888c0f-16x9-x0y0w1280h720.jpg?imwidth=313&impolicy=wan_v3" alt="AustralianSuper members lost $69 million over a decade through having multiple accounts. (Dean Lewins/AAP PHOTOS)" class="css-16r7l45-StyledImage en5ut4d0" loading="lazy" height="720" width="720"/><noscript><img src="https://images.thewest.com.au/publication/C-17799091/6f55a6420553c441c44bb8974908e05a46888c0f-16x9-x0y0w1280h720.jpg?imwidth=313&impolicy=wan_v3" alt="AustralianSuper members lost $69 million over a decade through having multiple accounts. (Dean Lewins/AAP PHOTOS)" class="css-tl044d-StyledNoScriptImage-StyledImage eu9mom10" /></noscript></picture></div></div><div class="ew7cd2s2 css-5s3171-StyledText-StyledCardText e1w8lw9x10"><h2 class="Card-Headline css-5u59ij-StyledHeadline e1w8lw9x9"><span class="css-1lc8609-StyledKicker e1jes824"><span class="css-1p6fa63-StyledKickerText e1jes823">Your Money</span><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 55 49" class="StyledCommentsIcon css-101fbvt-StyledCommentsIcon e1jes821"><title>Comments</title><path d="M54 24.5v-11C54 6.4 48.4 1 41.4 1H13.6C6.6 1 1 6.6 1 13.4v11.1c0 6.9 5.6 12.4 12.6 12.4h1.3v9.7c0 1.2 1.6 1.9 2.4 1l10.8-10.7h13.3c7 0 12.6-5.5 12.6-12.4"></path></svg><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 260 260" class="css-14uybzh-StyledPremiumIcon e1jes822" role="img"><title>Premium</title><defs><linearGradient id="f1-ico-prem" x1="83.6%" x2="15.9%" y1="16.4%" y2="84.1%"><stop offset="0%" stop-color="#043DE2"></stop><stop offset="100%" 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14.4 5.4 31.8 5.2 29.5-.3 75.3-48.4 75.3-83.1z"></path></svg></span><span class="css-249bft-StyledHeadlineText e1w8lw9x7"><span>AustralianSuper cops fine over $69m duplicate accounts bungle</span></span></h2><p class="css-36a6lh-StyledTeaser e1w8lw9x6">A Federal court judge has fined AustralianSuper $27 million after it admitted to contravening the Superannuation Act over members’ duplicate accounts.</p></div><div class="ew7cd2s1 CardByline css-8ail66-StyledByline-StyledCardByline ebzp2e48"><p class="CardByline-Text css-102194g-StyledBylineText ebzp2e47">Tara Cosoleto</p></div></a></div></div><div class="css-hzanzy-StyledGridItem elndtzg1"><div class="css-1ls5bi3-StyledPortrait ew7cd2s5" data-topic="business/your-money"><a class="css-4yofy7-StyledLink-StyledLink ew7cd2s4" href="/business/your-money/rba-interest-rates-heres-how-much-youll-save-after-the-central-bank-finally-delivered-home-loan-relief-c-17752496"><div class="ew7cd2s3 Card-Media css-1icnwod-StyledMedia-StyledCardMedia e1m2h3dd6"><div class="Card-Media-Content css-1gbeyhl-StyledMediaContent e1m2h3dd8"><picture class="image css-q2ve4i-PictureWithIntrinsicRatio eosncpx0"><source data-ratio="16:9" media="(min-width: 768px)" srcSet="https://images.thewest.com.au/publication/C-17752496/e116bec83f1cd6d7a1fe243efcc311970c6f64dd-16x9-x0y665w3554h1999.jpg?imwidth=100&impolicy=wan_v3 100w,https://images.thewest.com.au/publication/C-17752496/e116bec83f1cd6d7a1fe243efcc311970c6f64dd-16x9-x0y665w3554h1999.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-17752496/e116bec83f1cd6d7a1fe243efcc311970c6f64dd-16x9-x0y665w3554h1999.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-17752496/e116bec83f1cd6d7a1fe243efcc311970c6f64dd-16x9-x0y665w3554h1999.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-17752496/e116bec83f1cd6d7a1fe243efcc311970c6f64dd-16x9-x0y665w3554h1999.jpg?imwidth=414&impolicy=wan_v3 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100w,https://images.thewest.com.au/publication/C-17752496/e116bec83f1cd6d7a1fe243efcc311970c6f64dd-4x3-x291y679w2781h2085.jpg?imwidth=150&impolicy=wan_v3 150w,https://images.thewest.com.au/publication/C-17752496/e116bec83f1cd6d7a1fe243efcc311970c6f64dd-4x3-x291y679w2781h2085.jpg?imwidth=250&impolicy=wan_v3 250w,https://images.thewest.com.au/publication/C-17752496/e116bec83f1cd6d7a1fe243efcc311970c6f64dd-4x3-x291y679w2781h2085.jpg?imwidth=320&impolicy=wan_v3 320w,https://images.thewest.com.au/publication/C-17752496/e116bec83f1cd6d7a1fe243efcc311970c6f64dd-4x3-x291y679w2781h2085.jpg?imwidth=414&impolicy=wan_v3 414w,https://images.thewest.com.au/publication/C-17752496/e116bec83f1cd6d7a1fe243efcc311970c6f64dd-4x3-x291y679w2781h2085.jpg?imwidth=500&impolicy=wan_v3 500w,https://images.thewest.com.au/publication/C-17752496/e116bec83f1cd6d7a1fe243efcc311970c6f64dd-4x3-x291y679w2781h2085.jpg?imwidth=640&impolicy=wan_v3 640w,https://images.thewest.com.au/publication/C-17752496/e116bec83f1cd6d7a1fe243efcc311970c6f64dd-4x3-x291y679w2781h2085.jpg?imwidth=828&impolicy=wan_v3 828w,https://images.thewest.com.au/publication/C-17752496/e116bec83f1cd6d7a1fe243efcc311970c6f64dd-4x3-x291y679w2781h2085.jpg?imwidth=1024&impolicy=wan_v3 1024w" sizes="(max-width: 767px) 100vw,(min-width: 768px) and (max-width: 1020px) 50vw,313px"/><img src="https://images.thewest.com.au/publication/C-17752496/e116bec83f1cd6d7a1fe243efcc311970c6f64dd-16x9-x0y665w3554h1999.jpg?imwidth=313&impolicy=wan_v3" alt="At last, after the harshest rate-hiking cycle in a generation, there’s finally a reason to rejoice. Home loan customers are about to get mortgage relief. Here’s how much you can expect to save each month ..." class="css-16r7l45-StyledImage en5ut4d0" loading="lazy" height="1999" width="1999"/><noscript><img src="https://images.thewest.com.au/publication/C-17752496/e116bec83f1cd6d7a1fe243efcc311970c6f64dd-16x9-x0y665w3554h1999.jpg?imwidth=313&impolicy=wan_v3" alt="At last, after the harshest rate-hiking cycle in a generation, there’s finally a reason to rejoice. Home loan customers are about to get mortgage relief. Here’s how much you can expect to save each month ..." class="css-tl044d-StyledNoScriptImage-StyledImage eu9mom10" /></noscript></picture></div></div><div class="ew7cd2s2 css-5s3171-StyledText-StyledCardText e1w8lw9x10"><h2 class="Card-Headline css-5u59ij-StyledHeadline e1w8lw9x9"><span class="css-1lc8609-StyledKicker e1jes824"><span class="css-1p6fa63-StyledKickerText e1jes823">Your Money</span><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 55 49" class="StyledCommentsIcon css-101fbvt-StyledCommentsIcon e1jes821"><title>Comments</title><path d="M54 24.5v-11C54 6.4 48.4 1 41.4 1H13.6C6.6 1 1 6.6 1 13.4v11.1c0 6.9 5.6 12.4 12.6 12.4h1.3v9.7c0 1.2 1.6 1.9 2.4 1l10.8-10.7h13.3c7 0 12.6-5.5 12.6-12.4"></path></svg></span><span class="css-249bft-StyledHeadlineText e1w8lw9x7"><span>Here’s how much you’ll save after today’s rate cut </span></span></h2><p class="css-36a6lh-StyledTeaser e1w8lw9x6">At last, after the harshest rate-hiking cycle in a generation, there’s finally a reason to rejoice. Home loan customers are about to get mortgage relief. Here’s how much you can expect to save each month ...</p></div><div class="ew7cd2s1 CardByline css-8ail66-StyledByline-StyledCardByline ebzp2e48"><p class="CardByline-Text css-102194g-StyledBylineText ebzp2e47">Daniel Newell</p></div></a></div></div></div><div class="css-7sx55o-StyledContainer eyftco10"><button class="gtm-load-more-button css-1exlrwl-StyledButton ek8wdbw0">Load More</button></div></div></div></div></div></div><div class="css-19blgjj-StyledCell e1c0nozd3"></div><div class="css-7pxuw9-StyledCell e1c0nozd3"><div class="css-17kyjq0-StyledNestedGrid e1c0nozd1"><div class="css-17o6l1h-StyledNestedCell e1c0nozd0"><footer id="footer" class="css-1ifngno-StyledFooterContent eqz5vdz6"><div class="css-1c4efyk-StyledBlock eqz5vdz4"><h2 class="css-dq0gf8-StyledBlockHeader eqz5vdz3">Our Network</h2><ul class="css-yzzsqy-StyledList eqz5vdz5"><li><a class="css-132kq77-StyledLink eqz5vdz0" 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We acknowledge the timing of the election is a matter for the Prime Minister, in consultation with his senior colleagues.","intentions":[]},{"kind":"text","text":"“But we’re working towards that Budget.”","intentions":[]}]},"milestone":true,"happening":null,"sticky":false,"title":"Will this mean an election gets called soon?"},{"_self":"https://thewest.com.au\u002Fbusiness\u002Frba\u002Frba-interest-rates-live-updates-reserve-bank-expected-to-offer-relief-and-make-first-cut-at-february-meeting-c-17749476#27287","id":"27287","kind":"event-post","created":"2025-02-18T04:05:08.000Z","eventId":"C-17749476","lastUpdated":"2025-02-18T04:05:40.000Z","publishedDate":"2025-02-18T04:05:08.000Z","profiles":[],"byline":"Nicola Smith","state":"published","content":{"kind":"content","blocks":[{"kind":"text","text":"A long-awaited reprieve in interest rates may tempt Prime Minister Anthony Albanese towards calling an earlier election but he would be wiser to wait.","intentions":[]},{"kind":"text","text":"The Reserve Bank of Australia delivered long-awaited relief for mortgage payers – and embattled politicians – on Tuesday by cutting the official interest rate by 25 basis points to 4.1 per cent, marking the first reduction of the cash rate since 2020.","intentions":[]},{"kind":"text","text":"The first lowering of interest rates in almost five years will reignite speculation of a Federal poll being called before the final deadline of May 17.","intentions":[]},{"kind":"text","text":"Rumours of an election on April 12, or as early as April 5, have already been rife.","intentions":[]},{"kind":"text","text":"The lower rate offers the tentative solace of an easing economic climate that may give Labor a lift in the polls.","intentions":[]},{"kind":"text","text":"Read Nicola Smith’s full analysis here.","intentions":[{"href":"https://thenightly.com.au\u002Fpolitics\u002Faustralia\u002Fnicola-smith-much-hyped-rate-cut-will-renew-speculation-of-early-election--c-17761544","kind":"link","index":0,"match":"here"},{"kind":"important","index":0,"match":"Read Nicola Smith’s full analysis here."}]}]},"milestone":true,"happening":null,"sticky":false,"title":"Much-hyped rate cut will renew speculation of early election"},{"_self":"https://thewest.com.au\u002Fbusiness\u002Frba\u002Frba-interest-rates-live-updates-reserve-bank-expected-to-offer-relief-and-make-first-cut-at-february-meeting-c-17749476#27284","id":"27284","kind":"event-post","created":"2025-02-18T03:53:08.000Z","eventId":"C-17749476","lastUpdated":"2025-02-18T04:13:58.000Z","publishedDate":"2025-02-18T03:53:08.000Z","profiles":[{"name":"Daniel Newell","slug":"daniel-newell","email":"daniel.newell@wanews.com.au","position":"Online Business Producer","biography":"Daniel Newell has almost 20 years' experience in print and digital journalism. His career started with roles as a senior reporter in Geraldton and an editor in Kalgoorlie. He spent eight years as deputy editor of a suite of 11 newspapers in the UK before returning to WA where he has mostly worked with WestBusiness.","mainPhoto":"https://images.thewest.com.au\u002Fassets\u002Fprofiles\u002FDanielNewell.png","thumbnailPhoto":"https://images.thewest.com.au\u002Fassets\u002Fprofiles\u002FDanielNewell_thumb.png","canonicalSite":"https://thewest.com.au"}],"byline":"Daniel Newell","state":"published","content":{"kind":"content","blocks":[{"kind":"text","text":"It’s a belated Christmas Day for anyone with a mortgage! At last, after the harshest interest rate-hiking cycle in a generation, there’s finally a reason to rejoice.","intentions":[]},{"kind":"text","text":"After more than a year of holding the official cash rate at 4.35 per cent, the Reserve Bank just mintes ago said it would cut by 25 basis-points to 4.1 per cent.","intentions":[]},{"kind":"text","text":"So, how much will that put back in your pocket?","intentions":[]},{"kind":"text","text":"Read more here ...","intentions":[{"kind":"important","index":0,"match":"Read more here ..."}]},{"kind":"inline-related","publications":[]}]},"milestone":true,"happening":null,"sticky":false,"title":"How much will you save?"},{"_self":"https://thewest.com.au\u002Fbusiness\u002Frba\u002Frba-interest-rates-live-updates-reserve-bank-expected-to-offer-relief-and-make-first-cut-at-february-meeting-c-17749476#27283","id":"27283","kind":"event-post","created":"2025-02-18T03:49:38.000Z","eventId":"C-17749476","lastUpdated":"2025-02-18T03:49:38.000Z","publishedDate":"2025-02-18T03:49:38.000Z","profiles":[{"name":"Daniel Newell","slug":"daniel-newell","email":"daniel.newell@wanews.com.au","position":"Online Business Producer","biography":"Daniel Newell has almost 20 years' experience in print and digital journalism. His career started with roles as a senior reporter in Geraldton and an editor in Kalgoorlie. He spent eight years as deputy editor of a suite of 11 newspapers in the UK before returning to WA where he has mostly worked with WestBusiness.","mainPhoto":"https://images.thewest.com.au\u002Fassets\u002Fprofiles\u002FDanielNewell.png","thumbnailPhoto":"https://images.thewest.com.au\u002Fassets\u002Fprofiles\u002FDanielNewell_thumb.png","canonicalSite":"https://thewest.com.au"}],"byline":"Daniel Newell","state":"published","content":{"kind":"content","blocks":[{"kind":"text","text":"The RBA has delivered its statement on today’s rate cut decision but governor Michele Bullock will front the press pack in just over 30 minutes to answer questions.","intentions":[]},{"kind":"text","text":"You can be sure the first will be: “So, when’s the next one?”","intentions":[]},{"kind":"text","text":"We’ll hear more about the board’s thinking and why it decided now was the right time to cut.","intentions":[]},{"kind":"text","text":"Stay tuned.","intentions":[]}]},"milestone":true,"happening":null,"sticky":false,"title":"What now?"},{"_self":"https://thewest.com.au\u002Fbusiness\u002Frba\u002Frba-interest-rates-live-updates-reserve-bank-expected-to-offer-relief-and-make-first-cut-at-february-meeting-c-17749476#27281","id":"27281","kind":"event-post","created":"2025-02-18T03:41:45.000Z","eventId":"C-17749476","lastUpdated":"2025-02-18T03:46:05.000Z","publishedDate":"2025-02-18T03:46:01.000Z","profiles":[],"byline":"Ellen Ransley","state":"published","content":{"kind":"content","blocks":[{"kind":"text","text":"Treasurer Jim Chalmers is due to stand up in Canberra in about 20 minutes, but he’s put out a statement responding to the RBA’s decision to cut rates to 4.1 per cent.","intentions":[]},{"kind":"text","text":"He said the news would be “very welcome” for millions of Australians, who are getting the rate relief they “need and deserve”.","intentions":[]},{"kind":"text","text":"He acknowledges it won’t solve every problem in the economy or in household budgets, and that the mission isn’t accomplished - but it will help.","intentions":[]},{"kind":"text","text":"“Today’s result is a demonstration of the substantial and sustained progress we’ve made on inflation together,” he said.","intentions":[]},{"kind":"text","text":"“Under Labor, inflation is down, wages are up, unemployment is low and now interest rates have started to come down too.”","intentions":[]}]},"milestone":true,"happening":null,"sticky":false,"title":"‘Very welcome news’: Treasurer responds to rate cut"},{"_self":"https://thewest.com.au\u002Fbusiness\u002Frba\u002Frba-interest-rates-live-updates-reserve-bank-expected-to-offer-relief-and-make-first-cut-at-february-meeting-c-17749476#27282","id":"27282","kind":"event-post","created":"2025-02-18T03:43:21.000Z","eventId":"C-17749476","lastUpdated":"2025-02-18T04:07:23.000Z","publishedDate":"2025-02-18T03:43:39.000Z","profiles":[],"byline":"Jackson Hewett","state":"published","content":{"kind":"content","blocks":[{"kind":"text","text":"All four of the major banks have dropped their variable rates as they moved quickly to push through the 0.25 per cent cut in full.","intentions":[]},{"kind":"text","text":"NAB, Westpac and CBA were quick out of the gates, offering mortgage holders a reprieve, with ANZ following moments later.","intentions":[]},{"kind":"text","text":"“We are very pleased to deliver this rate cut to home loan customers - we understand how tough it’s been for many Australians,” said Ana Marinkovic of NAB’s personal bank said.","intentions":[]},{"kind":"text","text":"“The extended period of high interest rates has placed real strain on household budgets and this rate reduction will help to ease the financial burden.","intentions":[]},{"kind":"text","text":"“We wanted to move quickly after the RBA’s decision to provide customers with certainty.”","intentions":[]}]},"milestone":true,"happening":null,"sticky":false,"title":"Major banks follow rate cuts with mortgage drops"},{"_self":"https://thewest.com.au\u002Fbusiness\u002Frba\u002Frba-interest-rates-live-updates-reserve-bank-expected-to-offer-relief-and-make-first-cut-at-february-meeting-c-17749476#27280","id":"27280","kind":"event-post","created":"2025-02-18T03:38:33.000Z","eventId":"C-17749476","lastUpdated":"2025-02-18T03:41:18.000Z","publishedDate":"2025-02-18T03:38:33.000Z","profiles":[{"name":"Daniel Newell","slug":"daniel-newell","email":"daniel.newell@wanews.com.au","position":"Online Business Producer","biography":"Daniel Newell has almost 20 years' experience in print and digital journalism. His career started with roles as a senior reporter in Geraldton and an editor in Kalgoorlie. He spent eight years as deputy editor of a suite of 11 newspapers in the UK before returning to WA where he has mostly worked with WestBusiness.","mainPhoto":"https://images.thewest.com.au\u002Fassets\u002Fprofiles\u002FDanielNewell.png","thumbnailPhoto":"https://images.thewest.com.au\u002Fassets\u002Fprofiles\u002FDanielNewell_thumb.png","canonicalSite":"https://thewest.com.au"}],"byline":"Daniel Newell","state":"published","content":{"kind":"content","blocks":[{"kind":"text","text":"That’s hard to say. And it will depend on the data. Read into this from the RBA’s statement what you will ..","intentions":[]},{"kind":"pull-quote","text":"So, while today’s policy decision recognises the welcome progress on inflation, the board remains cautious on prospects for further policy easing.","attribution":null}]},"milestone":true,"happening":null,"sticky":false,"title":"So how many cuts will we get now there’s been a first move?"},{"_self":"https://thewest.com.au\u002Fbusiness\u002Frba\u002Frba-interest-rates-live-updates-reserve-bank-expected-to-offer-relief-and-make-first-cut-at-february-meeting-c-17749476#27279","id":"27279","kind":"event-post","created":"2025-02-18T03:36:39.000Z","eventId":"C-17749476","lastUpdated":"2025-02-18T03:41:31.000Z","publishedDate":"2025-02-18T03:36:39.000Z","profiles":[{"name":"Daniel Newell","slug":"daniel-newell","email":"daniel.newell@wanews.com.au","position":"Online Business Producer","biography":"Daniel Newell has almost 20 years' experience in print and digital journalism. His career started with roles as a senior reporter in Geraldton and an editor in Kalgoorlie. He spent eight years as deputy editor of a suite of 11 newspapers in the UK before returning to WA where he has mostly worked with WestBusiness.","mainPhoto":"https://images.thewest.com.au\u002Fassets\u002Fprofiles\u002FDanielNewell.png","thumbnailPhoto":"https://images.thewest.com.au\u002Fassets\u002Fprofiles\u002FDanielNewell_thumb.png","canonicalSite":"https://thewest.com.au"}],"byline":"Daniel Newell","state":"published","content":{"kind":"content","blocks":[{"kind":"text","text":"The RBA board says its monetary policy ”has been restrictive and will remain so after this reduction in the cash rate”.","intentions":[]},{"kind":"text","text":"“Some of the upside risks to inflation appear to have eased and there are signs that disinflation might be occurring a little more quickly than earlier expected. There are nevertheless risks on both sides.”","intentions":[]},{"kind":"text","text":"It’s statement, released just minutes ago, also warned of potential risk - pointing a finger at the US.","intentions":[]},{"kind":"text","text":"“Uncertainty about the outlook abroad also remains significant,” it said.","intentions":[]},{"kind":"text","text":"“Geopolitical and policy uncertainties are pronounced and may themselves bear down on activity in many countries if households and firms delay expenditures pending greater clarity on the outlook.","intentions":[]},{"kind":"text","text":"“Most central banks have been easing monetary policy as they become more confident that inflation is moving sustainably back towards their respective targets.","intentions":[]},{"kind":"text","text":"“But market expectations for further easing have moderated somewhat in recent months, particularly in the United States.”","intentions":[]}]},"milestone":true,"happening":null,"sticky":false,"title":"Here’s what the RBA had to say ..."},{"_self":"https://thewest.com.au\u002Fbusiness\u002Frba\u002Frba-interest-rates-live-updates-reserve-bank-expected-to-offer-relief-and-make-first-cut-at-february-meeting-c-17749476#27278","id":"27278","kind":"event-post","created":"2025-02-18T03:31:28.000Z","eventId":"C-17749476","lastUpdated":"2025-02-18T03:31:28.000Z","publishedDate":"2025-02-18T03:31:28.000Z","profiles":[{"name":"Daniel Newell","slug":"daniel-newell","email":"daniel.newell@wanews.com.au","position":"Online Business Producer","biography":"Daniel Newell has almost 20 years' experience in print and digital journalism. His career started with roles as a senior reporter in Geraldton and an editor in Kalgoorlie. He spent eight years as deputy editor of a suite of 11 newspapers in the UK before returning to WA where he has mostly worked with WestBusiness.","mainPhoto":"https://images.thewest.com.au\u002Fassets\u002Fprofiles\u002FDanielNewell.png","thumbnailPhoto":"https://images.thewest.com.au\u002Fassets\u002Fprofiles\u002FDanielNewell_thumb.png","canonicalSite":"https://thewest.com.au"}],"byline":"Daniel Newell","state":"published","content":{"kind":"content","blocks":[{"kind":"text","text":"There’s finally relief for long-suffering mortgage holders! A 25 basis point cut to the official rate!","intentions":[]}]},"milestone":true,"happening":null,"sticky":false,"title":"At long last ..."},{"_self":"https://thewest.com.au\u002Fbusiness\u002Frba\u002Frba-interest-rates-live-updates-reserve-bank-expected-to-offer-relief-and-make-first-cut-at-february-meeting-c-17749476#27277","id":"27277","kind":"event-post","created":"2025-02-18T03:21:53.000Z","eventId":"C-17749476","lastUpdated":"2025-02-18T03:22:32.000Z","publishedDate":"2025-02-18T03:21:53.000Z","profiles":[{"name":"Daniel Newell","slug":"daniel-newell","email":"daniel.newell@wanews.com.au","position":"Online Business Producer","biography":"Daniel Newell has almost 20 years' experience in print and digital journalism. His career started with roles as a senior reporter in Geraldton and an editor in Kalgoorlie. He spent eight years as deputy editor of a suite of 11 newspapers in the UK before returning to WA where he has mostly worked with WestBusiness.","mainPhoto":"https://images.thewest.com.au\u002Fassets\u002Fprofiles\u002FDanielNewell.png","thumbnailPhoto":"https://images.thewest.com.au\u002Fassets\u002Fprofiles\u002FDanielNewell_thumb.png","canonicalSite":"https://thewest.com.au"}],"byline":"Daniel Newell","state":"published","content":{"kind":"content","blocks":[{"kind":"text","text":"We won’t have to wait long - we’re just 10 minutes away.","intentions":[]},{"kind":"text","text":"The big question is this: If the RBA does choose to hold, how much longer will homeowners have wait for relief?","intentions":[]},{"kind":"text","text":"Remember, rates have not moved since November 2023. The RBA has consitently maintained it will not budge until inflation is “sustainably” within its 2 to 3 per cent target range.","intentions":[]},{"kind":"text","text":"We’re not there yet. Almost, but not yet.","intentions":[]},{"kind":"text","text":"Does that iron resolve from governor Michele Bullock give her cover to wait longer?","intentions":[]},{"kind":"text","text":"We’ll find out in a few minutes.","intentions":[]}]},"milestone":true,"happening":null,"sticky":false,"title":"Will it be champagne or the tissues?"},{"_self":"https://thewest.com.au\u002Fbusiness\u002Frba\u002Frba-interest-rates-live-updates-reserve-bank-expected-to-offer-relief-and-make-first-cut-at-february-meeting-c-17749476#27276","id":"27276","kind":"event-post","created":"2025-02-18T03:01:39.000Z","eventId":"C-17749476","lastUpdated":"2025-02-18T03:02:30.000Z","publishedDate":"2025-02-18T03:01:39.000Z","profiles":[{"name":"Daniel Newell","slug":"daniel-newell","email":"daniel.newell@wanews.com.au","position":"Online Business Producer","biography":"Daniel Newell has almost 20 years' experience in print and digital journalism. His career started with roles as a senior reporter in Geraldton and an editor in Kalgoorlie. He spent eight years as deputy editor of a suite of 11 newspapers in the UK before returning to WA where he has mostly worked with WestBusiness.","mainPhoto":"https://images.thewest.com.au\u002Fassets\u002Fprofiles\u002FDanielNewell.png","thumbnailPhoto":"https://images.thewest.com.au\u002Fassets\u002Fprofiles\u002FDanielNewell_thumb.png","canonicalSite":"https://thewest.com.au"}],"byline":"Daniel Newell","state":"published","content":{"kind":"content","blocks":[{"kind":"text","text":"We love a good graph - but maybe not this one from research house CoreLogic.","intentions":[]},{"kind":"text","text":"Sure, the colours are great but it shows just how quickly things changed for millions of homeowners in the fight against inflation ...","intentions":[]},{"kind":"inline","asset":{"kind":"image","id":"","name":"","byline":"","captionText":"CoreLogic data shows what's happened to rates since the hiking cycle began in May 2022.","copyrightByline":null,"copyrightCredit":null,"credit":"Supplied","altText":"CoreLogic data shows what's happened to rates since the hiking cycle began in May 2022.","crops":[{"width":940,"height":529,"reference":"https://images.thewest.com.au\u002Fpublication\u002FC-17749476\u002Fa0ba180370e0b93995a3fec3f9f4eeda22701cc9-16x9-x0y2w940h529.jpg","ratio":"16:9","format":"image\u002Fjpeg","dimensions":"940x529"},{"width":711,"height":533,"reference":"https://images.thewest.com.au\u002Fpublication\u002FC-17749476\u002Fa0ba180370e0b93995a3fec3f9f4eeda22701cc9-4x3-x115y0w711h533.jpg","ratio":"4:3","format":"image\u002Fjpeg","dimensions":"711x533"},{"width":375,"height":533,"reference":"https://images.thewest.com.au\u002Fpublication\u002FC-17749476\u002Fa0ba180370e0b93995a3fec3f9f4eeda22701cc9-161x229-x283y0w375h533.jpg","ratio":"161:229","format":"image\u002Fjpeg","dimensions":"375x533"}],"original":{"dimensions":"940x533","format":"image\u002Fjpeg","height":533,"width":940,"ratio":{"width":940,"height":533},"reference":"https://images.thewest.com.au\u002Fpublication\u002FC-17749476\u002Fa0ba180370e0b93995a3fec3f9f4eeda22701cc9.jpg"}}}]},"milestone":true,"happening":null,"sticky":false,"title":"This graph says it all ..."},{"_self":"https://thewest.com.au\u002Fbusiness\u002Frba\u002Frba-interest-rates-live-updates-reserve-bank-expected-to-offer-relief-and-make-first-cut-at-february-meeting-c-17749476#27272","id":"27272","kind":"event-post","created":"2025-02-18T02:32:26.000Z","eventId":"C-17749476","lastUpdated":"2025-02-18T02:32:26.000Z","publishedDate":"2025-02-18T02:32:26.000Z","profiles":[{"name":"Daniel Newell","slug":"daniel-newell","email":"daniel.newell@wanews.com.au","position":"Online Business Producer","biography":"Daniel Newell has almost 20 years' experience in print and digital journalism. His career started with roles as a senior reporter in Geraldton and an editor in Kalgoorlie. He spent eight years as deputy editor of a suite of 11 newspapers in the UK before returning to WA where he has mostly worked with WestBusiness.","mainPhoto":"https://images.thewest.com.au\u002Fassets\u002Fprofiles\u002FDanielNewell.png","thumbnailPhoto":"https://images.thewest.com.au\u002Fassets\u002Fprofiles\u002FDanielNewell_thumb.png","canonicalSite":"https://thewest.com.au"}],"byline":"Daniel Newell","state":"published","content":{"kind":"content","blocks":[{"kind":"text","text":"A cut in official interest rates today will put a little cash back in your pocket each month.","intentions":[]},{"kind":"text","text":"But before you head out and blow it all on such extravagances as a takeaway or trip to the movies, there’s two things to remember, warns Compare the Market’s economic director David Koch.","intentions":[]},{"kind":"text","text":"The first is private health insurance premiums that are due to rise on April 1. The second will impact east coast households if wholesale electricity prices rise.","intentions":[]},{"kind":"text","text":"“Health insurers are due to announce their annual rate rise in the coming weeks, meanwhile, there’s speculation electricity prices could surge again with energy regulators expected to consult on new draft pricing early next month,” Koch said.","intentions":[]},{"kind":"text","text":"He also cautioned that it’s not guaranteed all banks or lenders would pass on the reduced rate.","intentions":[]},{"kind":"text","text":"“These rate cuts have been a long time coming and it’s going to give some breathing room in the household budget for Aussies already grasping for air,” Koch said.","intentions":[]},{"kind":"text","text":"“But some banks may not pass on a rate cut right away, while some may not pass it on at all. This is why Australians have to be on the ball, push to be moved onto better rates or move to a lender who is offering a better deal.","intentions":[]},{"kind":"text","text":"“Your loyalty could be costing you. It simply doesn’t make sense to be paying a cent more than you need to.”","intentions":[]},{"kind":"text","text":"Haggling with your bank or finding a new lender may seem like a chore and a bore but the savings can ben eye-watering.","intentions":[]},{"kind":"text","text":"Shifting from a variable rate of 7.24 per cent to 5.84 per cent on a $500,000 loan can put $461 a month back in your pocket. It jumps to a staggering $922 saving is you have a mortgage of $1 million.","intentions":[]},{"kind":"inline","asset":{"kind":"image","id":"","name":"","byline":"Supplied","captionText":"David Koch","copyrightByline":"No","copyrightCredit":null,"credit":"Supplied","altText":"David Koch who has been appointed Compare the Market’s new economic director.","crops":[{"width":5088,"height":2862,"reference":"https://images.thewest.com.au\u002Fpublication\u002FC-17749476\u002Fa92cb1a1f7795f176b7ca46b9b6d070d1a673bb8-16x9-x0y265w5088h2862.jpg","ratio":"16:9","format":"image\u002Fjpeg","dimensions":"5088x2862"},{"width":4523,"height":3392,"reference":"https://images.thewest.com.au\u002Fpublication\u002FC-17749476\u002Fa92cb1a1f7795f176b7ca46b9b6d070d1a673bb8-4x3-x283y0w4523h3392.jpg","ratio":"4:3","format":"image\u002Fjpeg","dimensions":"4523x3392"},{"width":2385,"height":3392,"reference":"https://images.thewest.com.au\u002Fpublication\u002FC-17749476\u002Fa92cb1a1f7795f176b7ca46b9b6d070d1a673bb8-161x229-x1352y0w2385h3392.jpg","ratio":"161:229","format":"image\u002Fjpeg","dimensions":"2385x3392"}],"original":{"dimensions":"5088x3392","format":"image\u002Fjpeg","height":3392,"width":5088,"ratio":{"width":5088,"height":3392},"reference":"https://images.thewest.com.au\u002Fpublication\u002FC-17749476\u002Fa92cb1a1f7795f176b7ca46b9b6d070d1a673bb8.jpg"}}},{"kind":"text","text":"“If you are interested in refinancing, be aware that there usually are some costs involved, so make sure the savings to switch outweigh these fees,” Koch said.","intentions":[]},{"kind":"text","text":"“While new lenders may try to lure you with deals, incentives, cashbacks or rewards, also make sure these are actually giving you bang for your buck.”","intentions":[]}]},"milestone":true,"happening":null,"sticky":false,"title":"Give ... and take (and why bank loyalty could be robbing you blind)"},{"_self":"https://thewest.com.au\u002Fbusiness\u002Frba\u002Frba-interest-rates-live-updates-reserve-bank-expected-to-offer-relief-and-make-first-cut-at-february-meeting-c-17749476#27270","id":"27270","kind":"event-post","created":"2025-02-18T01:57:54.000Z","eventId":"C-17749476","lastUpdated":"2025-02-18T02:32:43.000Z","publishedDate":"2025-02-18T01:57:54.000Z","profiles":[{"name":"Daniel Newell","slug":"daniel-newell","email":"daniel.newell@wanews.com.au","position":"Online Business Producer","biography":"Daniel Newell has almost 20 years' experience in print and digital journalism. His career started with roles as a senior reporter in Geraldton and an editor in Kalgoorlie. He spent eight years as deputy editor of a suite of 11 newspapers in the UK before returning to WA where he has mostly worked with WestBusiness.","mainPhoto":"https://images.thewest.com.au\u002Fassets\u002Fprofiles\u002FDanielNewell.png","thumbnailPhoto":"https://images.thewest.com.au\u002Fassets\u002Fprofiles\u002FDanielNewell_thumb.png","canonicalSite":"https://thewest.com.au"}],"byline":"Daniel Newell","state":"published","content":{"kind":"content","blocks":[{"kind":"text","text":"For:","intentions":[{"kind":"important","index":0,"match":"For:"}]},{"kind":"unordered-list","items":[{"kind":"text","text":"Inflation is falling faster that even the RBA had expected.","intentions":[]},{"kind":"text","text":"The central bank’s own updated economic forecast, also due out today, is likely to reflect that.","intentions":[]},{"kind":"text","text":"There’s also signs of cooling pressure in rents, new home purchases and insurance.","intentions":[]},{"kind":"text","text":"We’ve all had enough (in fairness, that’s less likely to be a factor in the RBA’s deliberations.","intentions":[]},{"kind":"text","text":"Luci Ellis, chief economist at Westpac - who was an assistant governor at the central bank - said this ...","intentions":[]}]},{"kind":"pull-quote","text":"If I were still at the RBA, I’d struggle to write a board paper justifying rates on hold given how much inflation has come down, given the likely near-term trajectory and given how much the RBA is going to have to revise its forecasts in the new round.","attribution":null},{"kind":"text","text":"Against:","intentions":[{"kind":"important","index":0,"match":"Against:"}]},{"kind":"unordered-list","items":[{"kind":"text","text":"There has been a recent pick-up in consumer spending, underpinned by stage three tax cuts that came into effect last July and energy subisides.","intentions":[]},{"kind":"text","text":"Cooling inflation has also helped some household budgets recover, with a little extra spending money already floating around.","intentions":[]},{"kind":"text","text":"The Aussie dollar has fallen more than 5 per cent since the US election in November, increasing the cost of imported goods.","intentions":[]},{"kind":"text","text":"The local jobs market is defying expectations and remains strong.","intentions":[]},{"kind":"text","text":"There’s also been strong credit growth.","intentions":[]}]}]},"milestone":true,"happening":null,"sticky":false,"title":"The ‘for’ and ‘against’ case for a cut (or a hold)"},{"_self":"https://thewest.com.au\u002Fbusiness\u002Frba\u002Frba-interest-rates-live-updates-reserve-bank-expected-to-offer-relief-and-make-first-cut-at-february-meeting-c-17749476#27269","id":"27269","kind":"event-post","created":"2025-02-18T01:43:54.000Z","eventId":"C-17749476","lastUpdated":"2025-02-18T01:45:59.000Z","publishedDate":"2025-02-18T01:43:54.000Z","profiles":[{"name":"Daniel Newell","slug":"daniel-newell","email":"daniel.newell@wanews.com.au","position":"Online Business Producer","biography":"Daniel Newell has almost 20 years' experience in print and digital journalism. His career started with roles as a senior reporter in Geraldton and an editor in Kalgoorlie. He spent eight years as deputy editor of a suite of 11 newspapers in the UK before returning to WA where he has mostly worked with WestBusiness.","mainPhoto":"https://images.thewest.com.au\u002Fassets\u002Fprofiles\u002FDanielNewell.png","thumbnailPhoto":"https://images.thewest.com.au\u002Fassets\u002Fprofiles\u002FDanielNewell_thumb.png","canonicalSite":"https://thewest.com.au"}],"byline":"Daniel Newell","state":"published","content":{"kind":"content","blocks":[{"kind":"text","text":"Record low interest rates brought in to keep the Aussie economy alfloat during the pandemic fuelled a nation-wide property boom.","intentions":[]},{"kind":"text","text":"New homeowners piled into the market and were paying sub-2 per cent mortgage rates. The more savvy ones locked in those level for years and reaped massive rewards.","intentions":[]},{"kind":"text","text":"But the party couldn’t last. Inflation crept up, and to control spending the RBA’s cash rate rose from 0.1 per cent in May 2022 to 4.35 per cent in Novermber 2023.","intentions":[]},{"kind":"text","text":"Repayments in some cases came close to doubling. The pain was real.","intentions":[]},{"kind":"text","text":"And now the true extent of the burden felt across family budget has been laid bare by new figures from comparison site Canstar out today that show half a millon Australian households have never experienced a rate cut.","intentions":[]},{"kind":"text","text":"The number of owner-occupier loans settled since the last rate cut comes in at almost 509,000. Add another 35,000 for investors.","intentions":[]},{"kind":"text","text":"Will they find a little joy today? We’ll find out in less than two hours.","intentions":[]},{"kind":"text","text":"Place your bets.","intentions":[]}]},"milestone":true,"happening":null,"sticky":false,"title":"There’s a first time for everything ... even mortgage relief!"},{"_self":"https://thewest.com.au\u002Fbusiness\u002Frba\u002Frba-interest-rates-live-updates-reserve-bank-expected-to-offer-relief-and-make-first-cut-at-february-meeting-c-17749476#27268","id":"27268","kind":"event-post","created":"2025-02-18T01:25:29.000Z","eventId":"C-17749476","lastUpdated":"2025-02-18T01:25:29.000Z","publishedDate":"2025-02-18T01:25:29.000Z","profiles":[{"name":"Daniel Newell","slug":"daniel-newell","email":"daniel.newell@wanews.com.au","position":"Online Business Producer","biography":"Daniel Newell has almost 20 years' experience in print and digital journalism. His career started with roles as a senior reporter in Geraldton and an editor in Kalgoorlie. He spent eight years as deputy editor of a suite of 11 newspapers in the UK before returning to WA where he has mostly worked with WestBusiness.","mainPhoto":"https://images.thewest.com.au\u002Fassets\u002Fprofiles\u002FDanielNewell.png","thumbnailPhoto":"https://images.thewest.com.au\u002Fassets\u002Fprofiles\u002FDanielNewell_thumb.png","canonicalSite":"https://thewest.com.au"}],"byline":"Daniel Newell","state":"published","content":{"kind":"content","blocks":[{"kind":"text","text":"Let’s look a few hours into the future and hope against hope that the Reserve concedes Aussie mortgagees have suffered too much and enough’s enough already. We get a cut.","intentions":[]},{"kind":"text","text":"You struggled to make ends meet as your monthly repayments skyrocketed and there’s been no change since November 2023!","intentions":[]},{"kind":"text","text":"You hear the RBA is finally offering relief. What do you do next?","intentions":[]},{"kind":"text","text":"Mortgage expert - and The West Australian’s Your Money columnist - Bruce Brammall has the answer.","intentions":[]},{"kind":"text","text":"And if you think the bank will just come knocking and help you put a little bit extra into your pocket, think again.","intentions":[]},{"kind":"text","text":"Read more here ...","intentions":[{"kind":"important","index":0,"match":"Read more here ..."}]},{"kind":"inline-related","publications":[]}]},"milestone":true,"happening":null,"sticky":false,"title":"The RBA cuts rates ... so, what do you do next?"},{"_self":"https://thewest.com.au\u002Fbusiness\u002Frba\u002Frba-interest-rates-live-updates-reserve-bank-expected-to-offer-relief-and-make-first-cut-at-february-meeting-c-17749476#27267","id":"27267","kind":"event-post","created":"2025-02-18T00:55:03.000Z","eventId":"C-17749476","lastUpdated":"2025-02-18T00:55:03.000Z","publishedDate":"2025-02-18T00:55:03.000Z","profiles":[],"byline":"Max Corstorphan","state":"published","content":{"kind":"content","blocks":[{"kind":"text","text":"Regardless of whether you hold a mortgage or not, Tuesday’s rate decision impacts you.","intentions":[]},{"kind":"text","text":"For those with a home loan, the decision could see the variable rate lowered, freeing up additional cash. The cut could also spark a mortgage war between banks, potentially making even lower rates available.","intentions":[]},{"kind":"text","text":"For those renting, the decision could impact a possible loan held by their landlord. Although owning rental is a financial risk, some landlords safeguard their investment, raising rent with interest rates, protecting the amount they receive.","intentions":[]},{"kind":"text","text":"Australians who own their home without a mortgage will be keeping a close eye on the decision as it has the potential to affect their superannuation and savings balances. A lower rate could mean less interest, impacting how much cash they have to spend.","intentions":[]}]},"milestone":true,"happening":null,"sticky":false,"title":"Why the RBA’s possible cash rate cut impacts all Australians"},{"_self":"https://thewest.com.au\u002Fbusiness\u002Frba\u002Frba-interest-rates-live-updates-reserve-bank-expected-to-offer-relief-and-make-first-cut-at-february-meeting-c-17749476#27266","id":"27266","kind":"event-post","created":"2025-02-18T00:47:02.000Z","eventId":"C-17749476","lastUpdated":"2025-02-18T00:47:02.000Z","publishedDate":"2025-02-18T00:47:02.000Z","profiles":[],"byline":"Max Corstorphan","state":"published","content":{"kind":"content","blocks":[{"kind":"text","text":"If the cash rate drops on Tuesday, banks are tipped to pass on the cut in full to customers with variable rate loans.","intentions":[]},{"kind":"text","text":"In recent months, some banks started to lower rates in a push to secure customers and stay competitive.","intentions":[]},{"kind":"text","text":"Although nothing is certain, some experts predict a cut on Tuesday would spark mortgage wars, pushing banks to be more competitive and deliver lower rates to keep or acquire customers.","intentions":[]}]},"milestone":true,"happening":null,"sticky":false,"title":"Could interest rate cut spark banking mortgage war?"},{"_self":"https://thewest.com.au\u002Fbusiness\u002Frba\u002Frba-interest-rates-live-updates-reserve-bank-expected-to-offer-relief-and-make-first-cut-at-february-meeting-c-17749476#27265","id":"27265","kind":"event-post","created":"2025-02-18T00:39:41.000Z","eventId":"C-17749476","lastUpdated":"2025-02-18T00:39:41.000Z","publishedDate":"2025-02-18T00:39:41.000Z","profiles":[],"byline":"Max Corstorphan","state":"published","content":{"kind":"content","blocks":[{"kind":"text","text":"The board of the Reserve Bank of Australia are seated and have begun discussion on what to do with interest rates today.","intentions":[]},{"kind":"text","text":"They have assembled at Sydney’s Chifley Square, where they are being given recommendation from RBA Governor Michelle Bullock.","intentions":[]}]},"milestone":true,"happening":null,"sticky":false,"title":"RBA board meets to begin deliberation"},{"_self":"https://thewest.com.au\u002Fbusiness\u002Frba\u002Frba-interest-rates-live-updates-reserve-bank-expected-to-offer-relief-and-make-first-cut-at-february-meeting-c-17749476#27264","id":"27264","kind":"event-post","created":"2025-02-18T00:32:43.000Z","eventId":"C-17749476","lastUpdated":"2025-02-18T02:34:27.000Z","publishedDate":"2025-02-18T00:32:43.000Z","profiles":[],"byline":"Max Corstorphan","state":"published","content":{"kind":"content","blocks":[{"kind":"text","text":"Australia’s big four banks - Commonwealth Bank, NAB, ANZ and Westpac - all strongly believe that the RBA will deliver a cut to the cash rate on Tuesday.","intentions":[]},{"kind":"text","text":"All fell in line with expectations of a February cut when inflation data showed it had fallen to 2.4 per cent. But that’s not the core data the RBA focuses on. That read came in at 3.2 per cent - still outside the targeted range of between 2 and 3 per cent.","intentions":[]},{"kind":"text","text":"The banks differ in their prediction on how many cuts will follow and how low the rate will go.","intentions":[]},{"kind":"text","text":"CBA have predicted that there could be four rate cuts in 2025, bringing the rate to 3.35 per cent, a view also shared by Westpac.","intentions":[]},{"kind":"text","text":"NAB predict that there could be five cuts, bring the cash rate to 3.10 per cent.","intentions":[]},{"kind":"text","text":"ANZ, however, have predicted just two rate cuts, bringing the cash rate to 3.85 per cent.","intentions":[]}]},"milestone":true,"happening":null,"sticky":false,"title":"What does your bank think will happen with rates today?"},{"_self":"https://thewest.com.au\u002Fbusiness\u002Frba\u002Frba-interest-rates-live-updates-reserve-bank-expected-to-offer-relief-and-make-first-cut-at-february-meeting-c-17749476#27262","id":"27262","kind":"event-post","created":"2025-02-18T00:21:14.000Z","eventId":"C-17749476","lastUpdated":"2025-02-18T00:42:11.000Z","publishedDate":"2025-02-18T00:21:14.000Z","profiles":[],"byline":"Max Corstorphan","state":"published","content":{"kind":"content","blocks":[{"kind":"text","text":"The Reserve Bank will announcement their decision to hold, cut, or much less likely, raise interest rates at 2.30pm AEDT.","intentions":[]},{"kind":"text","text":"That’s 11.30am AWST in Western Australia.","intentions":[]},{"kind":"text","text":"If a cut is delivered, it will be the first drop since November 2020.","intentions":[]}]},"milestone":true,"happening":null,"sticky":false,"title":"When will the RBA make an interest rate announcement?"},{"_self":"https://thewest.com.au\u002Fbusiness\u002Frba\u002Frba-interest-rates-live-updates-reserve-bank-expected-to-offer-relief-and-make-first-cut-at-february-meeting-c-17749476#27248","id":"27248","kind":"event-post","created":"2025-02-17T22:23:48.000Z","eventId":"C-17749476","lastUpdated":"2025-02-17T23:19:14.000Z","publishedDate":"2025-02-17T22:23:48.000Z","profiles":[],"byline":"Max Corstorphan","state":"published","content":{"kind":"content","blocks":[{"kind":"text","text":"Speaking on ABC Radio ahead of the RBA’s decision on interest rates, Prime Minister Anthony Albanese says the Government “respect” the independence of the central bank.","intentions":[]},{"kind":"text","text":"“We respect the independent decision that they will make,” Mr Albanese said on ABC Radio.","intentions":[]},{"kind":"text","text":"“What our job has been to do is to get inflation down, we’ve done that. It had a six in front of it when we came to office, it’s now down to a headline rate of 2.4 per cent.”","intentions":[]},{"kind":"text","text":"However, the PM noted headline inflation was now “within the band range the RBA aims for”.","intentions":[]}]},"milestone":true,"happening":null,"sticky":false,"title":"Albanese shares ‘respect’ for RBA ahead of rate decision"},{"_self":"https://thewest.com.au\u002Fbusiness\u002Frba\u002Frba-interest-rates-live-updates-reserve-bank-expected-to-offer-relief-and-make-first-cut-at-february-meeting-c-17749476#27247","id":"27247","kind":"event-post","created":"2025-02-17T21:54:39.000Z","eventId":"C-17749476","lastUpdated":"2025-02-17T21:58:01.000Z","publishedDate":"2025-02-17T21:54:39.000Z","profiles":[],"byline":"Max Corstorphan","state":"published","content":{"kind":"content","blocks":[{"kind":"text","text":"Mortgage holders won’t be the only ones eagerly awaiting the Reserve Bank’s decision on interest rates.","intentions":[]},{"kind":"text","text":"Federal MPs will also be watching to see if a rate cut will be enough for Prime Minister Anthony Albanese to trigger an election.","intentions":[]},{"kind":"text","text":"While the election is not due to be held until May 17 at the latest, there is speculation the first lowering of interest rates in almost five years would lead to a national poll being called sooner than expected.","intentions":[]},{"kind":"text","text":"With cost-of-living issues set to dominate the election, any reduction in interest rates would be front of mind with voters, YouGov’s polling director Amir Daftari says.","intentions":[]},{"kind":"text","text":"“If there is a rate cut, then that might be psychological relief among voters that things are going in the right direction,” he told AAP.","intentions":[]},{"kind":"text","text":"READ THE FULL STORY","intentions":[{"href":"https://thenightly.com.au\u002Fpolitics\u002Frba-interest-rate-outcome-set-to-influence-australian-federal-election-timing-c-17757843","kind":"link","index":0,"match":"READ THE FULL STORY"}]}]},"milestone":true,"happening":null,"sticky":false,"title":"Interest rate outcome set to influence election timing"},{"_self":"https://thewest.com.au\u002Fbusiness\u002Frba\u002Frba-interest-rates-live-updates-reserve-bank-expected-to-offer-relief-and-make-first-cut-at-february-meeting-c-17749476#27246","id":"27246","kind":"event-post","created":"2025-02-17T20:57:54.000Z","eventId":"C-17749476","lastUpdated":"2025-02-17T21:03:30.000Z","publishedDate":"2025-02-17T20:57:54.000Z","profiles":[],"byline":"Max Corstorphan","state":"published","content":{"kind":"content","blocks":[{"kind":"text","text":"Borrowers could be just weeks away from mortgage relief with a long-awaited Reserve Bank of Australia interest rate cut widely expected to be handed down.","intentions":[]},{"kind":"text","text":"If the RBA board does lower the cash rate by 25 basis points to 4.1 per cent on Tuesday, expect the banks to pass through those savings in full to their variable home loan rates, says Sally Tindall, data insights director at financial comparison site Canstar.","intentions":[]},{"kind":"text","text":"For an average owner-occupier with a $600,000 loan, that would translate to a $92 reduction to their minimum monthly repayments.","intentions":[]},{"kind":"text","text":"“However, we could see some lenders cutting new customer variable rates even further to capitalise on what could become a refinancing revival,” Ms Tindall said.","intentions":[]},{"kind":"text","text":"READ THE FULL STORY","intentions":[{"href":"https://thenightly.com.au\u002Fbusiness\u002Fcrunch-time-for-borrowers-as-rba-unveils-rate-call-c-17757896","kind":"link","index":0,"match":"READ THE FULL STORY"}]}]},"milestone":true,"happening":null,"sticky":false,"title":"How much would a rate cut save the average loan?"},{"_self":"https://thewest.com.au\u002Fbusiness\u002Frba\u002Frba-interest-rates-live-updates-reserve-bank-expected-to-offer-relief-and-make-first-cut-at-february-meeting-c-17749476#27245","id":"27245","kind":"event-post","created":"2025-02-17T20:54:34.000Z","eventId":"C-17749476","lastUpdated":"2025-02-17T21:00:29.000Z","publishedDate":"2025-02-17T20:54:34.000Z","profiles":[],"byline":"Max Corstorphan","state":"published","content":{"kind":"content","blocks":[{"kind":"text","text":"Experts warn an interest rate cut is not a done deal on Tuesday as millions of Australians pray for mortgage relief at the Reserve Bank’s first board meeting of the year.","intentions":[]},{"kind":"text","text":"The RBA’s call will also be crucial heading into the Federal Election — due by May — with Prime Minister Anthony Albanese and Opposition Leader Peter Dutton setting their economic narratives on the cost-of-living crisis.","intentions":[]},{"kind":"text","text":"Markets have ramped up betting that the RBA will make its first downward move since late 2020, and traders predict a 90 per cent chance of a cut.","intentions":[]},{"kind":"text","text":"Those hopes were boosted after core inflation slowed to 3.2 per cent in December, the slowest pace since 2021.","intentions":[]},{"kind":"text","text":"READ THE FULL STORY","intentions":[{"href":"https://thenightly.com.au\u002Fbusiness\u002Freserve-bank-interest-rates-nervous-wait-in-canberra-and-for-borrowers-as-economists-say-cut-not-certain-c-17754511","kind":"link","index":0,"match":"READ THE FULL STORY"}]}]},"milestone":true,"happening":null,"sticky":false,"title":"D Day for RBA rates call as economists warn cut not certain"}],"stickies":[],"documents":[{"_self":"https://thewest.com.au\u002Fbusiness\u002Frba\u002Frba-interest-rates-live-updates-reserve-bank-expected-to-offer-relief-and-make-first-cut-at-february-meeting-c-17749476#27303","id":"27303","kind":"event-post","created":"2025-02-18T05:25:42.000Z","eventId":"C-17749476","lastUpdated":"2025-02-18T05:37:05.000Z","publishedDate":"2025-02-18T05:37:05.000Z","profiles":[],"byline":"Ellen Ransley","state":"published","content":{"kind":"content","blocks":[{"kind":"text","text":"Prime Minister Anthony Albanese has brushed off suggestions the interest rate cut will prompt him to call an election sooner, rather than later.","intentions":[]},{"kind":"text","text":"An election is due by May 17, but many pundits speculated that the RBA’s decision could result in an April 5 or April 12 poll.","intentions":[]},{"kind":"text","text":"But the PM says the rate cut won’t have an impact on the timing of the election.","intentions":[]},{"kind":"text","text":"“We’ve been working on the Budget... we’ll continue to work and look at ways in which we can provide support for Australians,” he said.","intentions":[]},{"kind":"text","text":"Pressed on whether that Budget would actually be handed down next month, the PM said it would be.","intentions":[]}]},"milestone":true,"happening":null,"sticky":false,"title":"RBA rate cut ‘won’t impact election timing’: PM"},{"_self":"https://thewest.com.au\u002Fbusiness\u002Frba\u002Frba-interest-rates-live-updates-reserve-bank-expected-to-offer-relief-and-make-first-cut-at-february-meeting-c-17749476#27302","id":"27302","kind":"event-post","created":"2025-02-18T05:20:03.000Z","eventId":"C-17749476","lastUpdated":"2025-02-18T05:25:00.000Z","publishedDate":"2025-02-18T05:25:00.000Z","profiles":[],"byline":"Ellen Ransley","state":"published","content":{"kind":"content","blocks":[{"kind":"text","text":"Anthony Albanese is doing the rounds on the radiowaves this afternoon, after the RBA cut rates by 25 basis points.","intentions":[]},{"kind":"text","text":"Starting on ABC Radio Brisbane, the Prime Minister says the rate cut will be welcome by Australians, but accepts there is still pressure.","intentions":[]},{"kind":"text","text":"“It’s certainly not job done, but they’ll welcome it,” he said.","intentions":[]},{"kind":"text","text":"“We have worked very hard to get inflation down.”","intentions":[]}]},"milestone":null,"happening":null,"sticky":false,"title":"PM: Rate cut welcome, but job not done"},{"_self":"https://thewest.com.au\u002Fbusiness\u002Frba\u002Frba-interest-rates-live-updates-reserve-bank-expected-to-offer-relief-and-make-first-cut-at-february-meeting-c-17749476#27301","id":"27301","kind":"event-post","created":"2025-02-18T05:15:47.000Z","eventId":"C-17749476","lastUpdated":"2025-02-18T05:23:28.000Z","publishedDate":"2025-02-18T05:23:28.000Z","profiles":[],"byline":"Jackson 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