Rates up. Energy up. Will your retirement income keep up?
Retirement · Cost of Living • 10 min read · July 2026 Rates up. Energy up. Will your retirement income keep up? Council rates, energy bills, insurance premiums — the everyday costs of retiring in Victoria keep creeping up. Here’s what that quietly does to a retirement income, and how to make sure yours keeps pace. […]
How Much Can You Contribute to Super? 2026–27 Caps Explained
Super · Contributions • 13 min read · July 2026 How much can you contribute to super in 2026–27? Both the before-tax and after-tax caps rose on 1 July 2026 — and there’s usually more room to move than people expect. Here’s exactly how much you can put into super this year, calmly explained. Manny Tran […]
The AI Spending Boom: Where Are We in the Investment Cycle?
Investing · AI • 14 min read · June 2026 The AI spending boom: where are we in the investment cycle? The headlines swing between “this changes everything” and “this is a bubble.” Neither helps you think clearly about your own money. So let’s do something calmer — and simply follow the money. Manny Tran Director […]
The $3 Million Super Tax Explained: How It Works and Who Actually Pays
Super · Division 296 • 12 min read · June 2026 The $3 million super tax, explained — and who actually pays If a headline about the $3 million super tax has you wondering whether your retirement is about to be taxed differently, take a breath. For most Australians the answer is no — and for […]
Why Your Age Pension May Have Dropped in March 2026?
Age Pension · Deeming • 13 min read · June 2026 Why your Age Pension may have dropped in March 2026? Your balances didn’t change. Your dividends didn’t change. Yet Centrelink is paying you a little less. Here’s the one rule behind it — and exactly what to do next. Manny Tran Director & Senior Financial […]
Labor’s CGT Backflip: Why Business Owners Should Be Paying Attention
Tax · Business Owners • 11 min read · June 2026 Labor’s CGT backflip: why business owners should be paying attention There is a big difference between buying an asset and building one. The tax system has always known that — and this week’s changes are a reminder of why it matters. Manny Tran Director & […]
Australia’s Housing Problem Isn’t What Most People Think It Is
By Manny Tran · Director and Senior Financial Adviser, Plan My Wealth · June 2026 Every election cycle, housing affordability dominates the headlines — new schemes, new incentives, new promises. But as investors, we need to separate the political narrative from the economic reality. We don’t form views on headlines. We follow the data — […]
AI and Your Retirement: A Dial-Up to Broadband Moment
By Manny Tran · Director and Senior Financial Adviser, Plan My Wealth · June 2026 Why we believe AI is a multi-decade productivity story — and why the safest way for retirees to benefit is not by trying to pick the next Nvidia. In this guide The question clients keep asking me The dial-up to […]
Why Retirement Planning Is Not Just About Investment Returns
By Manny Tran · Director and Senior Financial Adviser, Plan My Wealth · June 2026 You’ve worked hard for a long time. Now, with retirement close, one quiet question keeps coming back: will we be okay? It’s one of the most common worries among Australians approaching retirement — in Melbourne and right across the country. […]
The Difference Between Retiring With Assets and Retiring With Cash Flow
By Manny Tran · Director and Senior Financial Adviser, Plan My Wealth · June 2026 I’ve sat across from people who, on paper, have “more than enough.” A paid-off home, a healthy super balance, money in the bank. And yet they can’t sleep. They tell me they still feel a low hum of worry every […]