Money magazine helps you manage your finances by cutting through the jargon to deliver clear and precise information to help you save money and make the most of your investments. Each issue, you'll enjoy credible, well-researched reports and expert commentary from some of Australia's most respected financial writers.
Get in financial shape for 2020
Letter of the month
What’s the gift you’d like to give this festive season?
The Money team
We’ll get a few shocks, but there is no reason to be pessimistic
CALENDAR OF EVENTS
Check insurance policies for ‘junk’ TPD cover • Narrow definitions used to deny 60% of claims through super
Banks need to win back trust
NEWS BITES
Gifts that make a difference
DOWNSIZING MADE SIMPLE • (Noel Whittaker Holdings, $24.99)
APP OF THE MONTH • FIRST BUSINESS COST: FREE OS: REQUIRES IOS 8.0 OR LATER, ANDROID 4.1 AND UP
SNAPSHOT Welcome to the brave new digital world
TAX TIP • Rules change for land deductions
Congestion charge would benefit CBDs
Family comes first in quest for financial help
Who do you generally go to for advice?
5% guarantee gives first home buyers a leg-up
Dream can turn into a nightmare as mental health suffers
Top property search considerations
Australia can do better
Pain continues for farmers
TOP 10 PENSION SYSTEMS
DROUGHT HITS THE HARVEST
Share the knowledge
HOLD ResMed Inc (RMD) • The Intelligent Investor Graham Witcomb
High flyer
Fact file
Paul Clitheroe PAUL’S VERDICT
Best options for $60k stashed in offset account
Q&A
NEED PAUL’S HELP?
Hit the restart button to save thousands of dollars • Easier access to personal banking and mortgage data will help more people choose the products that best suit their needs
The government helped with my first home deposit • Coming up with 20% of the property’s price is a big challenge for many would-be buyers
There’s cash in canines • Pet sitters can make new furry friends and top up their income at the same time
AT A GLANCE
Hark! The herd is stampeding • Our old instincts can lead us into financial danger
Simple rules to avoid getting trampled
Worth the extra effort • A love of music or sport gives kids the chance to shine outside the classroom
Home can be prefabulous • Offsite construction can cut costs, save time and increase quality
How to get prefab finance for the great Aussie dream
In a vicious cycle • Would-be home owners trying to raise a deposit risk being left behind again if prices keep rising
Dud funds won’t get away with it for much longer • The regulator is leading the charge in making sure super members are not ripped off by high fees and poor investment performance
There’s no magic cure for all financial ills
Face the ugly truth about returns • In the era of low or negative interest rates, bonds and term deposits are a great way to lose money
Guard against ‘cocaine brain’ • No one cares as much about your investments as you do, so it pays to be vigilant
5 ethical stocks to own • You don’t have to abandon your social values when you invest: “good” stocks can provide strong returns too, without the guilt factor
Jobs could spoil the party • With the economy slowing, all eyes will be on the employment rate
SECTOR YIELD Settle for a safer journey • Here’s one way to get an acceptable yield without taking unacceptable risk
Foolish takeaway
SECTOR ...