Massey Financial Advice

12/01/2026

Question:
I’ve heard I can either salary sacrifice into super or make a personal contribution and claim a tax deduction. Is one better than the other?

Answer:
Both options can provide similar tax benefits, but they work slightly differently. Salary sacrifice means your employer sends part of your pay straight into super before you receive it. Personal deductible contributions are paid by you from your bank account, and you later claim a tax deduction in your tax return.

The key difference is flexibility. Personal contributions give you more control over timing and amounts, which can help if your income changes during the year. Salary sacrifice can be simpler and spreads contributions evenly over time. In both cases, it’s important to stay within contribution caps to avoid extra tax. Whether either option works better depends on the individual.

If you would like to find out which option might work best in your situation, book a free initial call https://buff.ly/3RaGqS4

This information is for general information purposes only and is not (and cannot be construed or relied upon as) personal advice. No investment objectives, financial circumstances or needs of any individual have been taken into consideration in the preparation of the content. You should always obtain professional advice to ensure products and strategies are suitable for your circumstances.

09/01/2026

💰 Inflation and interest rates aren’t just headlines, they impact your savings and loans. Learn what money growth means for your financial plan.

👉 Read more at https://buff.ly/RJshZqb

If you would like to plan for your retirement, book a free initial call https://buff.ly/3RaGqS4

This information is for general information purposes only and is not (and cannot be construed or relied upon as) personal advice. No investment objectives, financial circumstances or needs of any individual have been taken into consideration in the preparation of the content. You should always obtain professional advice to ensure products and strategies are suitable for your circumstances.

Broad money growth plays a critical role in shaping inflation and interest rates, influencing household budgets and borrowing costs.

07/01/2026

🏠 Thinking about buying or refinancing? The housing market is under pressure, and risky loans could leave you exposed. Here’s how to protect your financial future.

🔗 https://buff.ly/RJshZqb

This information is for general information purposes only and is not (and cannot be construed or relied upon as) personal advice. You should always obtain professional advice to ensure products and strategies are suitable for your circumstances.

05/01/2026

Question:
Why is it important to update my beneficiary nominations, and what role does this play in my financial plan?

Answer:
Beneficiary nominations specify who receives your super, insurance, and some investments if you pass away. Unlike assets covered by your will, superannuation is guided by trustee rules and your nominated beneficiaries. Keeping nominations current ensures your benefits go to the right people, which is especially vital after major life events like marriage, divorce, or welcoming children. Outdated or missing nominations can cause delays, family disputes, or assets passing contrary to your wishes. Review the types, binding, non-binding, or reversionary, and make sure they match your intentions. Your adviser can help clarify the rules, confirm nominations are correctly documented, and align them with your estate plan. Regular updates work alongside your will and power of attorney to create a complete, coordinated financial plan, giving clarity and protection for you and your loved ones.

If this applies to you, book a free initial call https://buff.ly/3RaGqS4

This information is for general information purposes only and is not (and cannot be construed or relied upon as) personal advice. No investment objectives, financial circumstances or needs of any individual have been taken into consideration in the preparation of the content. You should always obtain professional advice to ensure products and strategies are suitable for your circumstances.

30/12/2025

🤔 Think you can predict the market? Research says otherwise. Here’s how to build a portfolio that works even when you’re wrong.

🔗 Read more at https://buff.ly/GAYIl9B

If you would like to review your investment approach, book a free initial call https://buff.ly/3RaGqS4

This information is for general information purposes only and is not (and cannot be construed or relied upon as) personal advice. You should always obtain professional advice to ensure products and strategies are suitable for your circumstances.

22/12/2025

📈 Worried about bubbles and hype? Learn how to stress-test your portfolio and stay calm when markets look overheated.

🔗 Read more at https://buff.ly/GAYIl9B

If this applies to you, book a free initial call https://buff.ly/3RaGqS4

This information is for general information purposes only and is not (and cannot be construed or relied upon as) personal advice. No investment objectives, financial circumstances or needs of any individual have been taken into consideration in the preparation of the content. You should always obtain professional advice to ensure products and strategies are suitable for your circumstances.

19/12/2025

Question:
Is it worth consolidating my super accounts, and what should I consider before doing so?

Answer:
Many Australians have more than one super fund, often from changing jobs. Consolidating super into a single account can save on multiple sets of fees, make tracking retirement savings easier, and reduce paperwork. However, before moving your funds, compare insurance cover, investment options, fees, and performance between funds. You may lose valuable insurance benefits by closing an old account, so check what’s included and whether new cover will meet your needs. Also review any exit fees that may apply. Consider whether one fund stands out for its services or investment returns. Your adviser can help you weigh the pros and cons, check for lost or inactive super, and guide you through the consolidation process. Taking stock of your super now helps you stay organised, make costs more transparent, and keep your retirement savings working hard.

If this applies to you, book a free initial call https://buff.ly/3RaGqS4

This information is for general information purposes only and is not (and cannot be construed or relied upon as) personal advice. No investment objectives, financial circumstances or needs of any individual have been taken into consideration in the preparation of the content. You should always obtain professional advice to ensure products and strategies are suitable for your circumstances.

17/12/2025

💬 Leaving a legacy? Make sure it’s a blessing, not a burden. Discover how to prepare your children for the responsibility of wealth.

🔗 Read more at https://buff.ly/GAYIl9B

If this applies to you, book a free initial call https://buff.ly/3RaGqS4

This information is for general information purposes only and is not (and cannot be construed or relied upon as) personal advice. You should always obtain professional advice to ensure products and strategies are suitable for your circumstances.

15/12/2025

💬 What does money mean to you? Australians are prioritizing experiences and values over possessions. Here’s how to spend smarter and stay financially resilient.

Read more at https://buff.ly/6ZCCNVK

If this applies to you, book a free initial call https://buff.ly/3RaGqS4

This information is for general information purposes only and is not (and cannot be construed or relied upon as) personal advice. You should always obtain professional advice to ensure products and strategies are suitable for your circumstances.

12/12/2025

Question:
I’ve heard about new Innovative Retirement Income Solutions. How do they compare to a normal account-based pension?

Answer:
An account-based pension gives you flexibility and full access to your remaining balance, including whatever is left for your beneficiaries. The trade-off is that your income may rise or fall depending on markets and how long your savings last.

IRIS products work differently. They usually pool risk across many retirees, which means they can pay a significantly higher and more stable income for life. In exchange, the amount left to your estate may be reduced or, in some designs, may not be payable at all. The benefit is potentially a stronger, more reliable retirement income and a better long-term lifestyle.

Read more at https://buff.ly/6ZCCNVK

If you are ready to plan your retirement, book a free initial call https://buff.ly/3RaGqS4

This information is for general information purposes only and is not (and cannot be construed or relied upon as) personal advice. No investment objectives, financial circumstances or needs of any individual have been taken into consideration in the preparation of the content. You should always obtain professional advice to ensure products and strategies are suitable for your circumstances.

10/12/2025

💡 Did you know the timing of market returns can make or break your retirement? Discover smart strategies to protect your super and keep your income secure.

Read more at https://buff.ly/6ZCCNVK

If you would like to find out how the bucket strategy might work for your super, book a free initial call https://buff.ly/3RaGqS4

This information is for general information purposes only and is not (and cannot be construed or relied upon as) personal advice. No investment objectives, financial circumstances or needs of any individual have been taken into consideration in the preparation of the content. You should always obtain professional advice to ensure products and strategies are suitable for your circumstances.

08/12/2025

Question:
My investment bond is now three years old and I want to keep its 10-year tax timeframe on track. I’ve heard about the 125% rule. How does it work, and how do I avoid resetting the clock?

Answer:
Each year, you are allowed to contribute up to 125% of what you put in during the previous year without restarting the 10-year period. For example, if you contributed $4,000 last year, the most you can add this year is $5,000 (which is 125% of $4,000).

If you stay within this limit, your bond continues towards its 10-year mark, after which withdrawals may be more tax-effective. If you contribute more than the 125% limit, the entire 10-year period restarts from that year.

As your bond is already three years old, keeping your contributions under the 125% cap is the key to preserving your original timeframe.

If this applies to you, book a free initial call https://buff.ly/3RaGqS4

This information is for general information purposes only and is not (and cannot be construed or relied upon as) personal advice. No investment objectives, financial circumstances or needs of any individual have been taken into consideration in the preparation of the content. You should always obtain professional advice to ensure products and strategies are suitable for your circumstances.