Resources

It’s easy to feel overwhelmed with the information available on financial strategies and investing. Here is a selection of resources that may help.

Budgeting

Budget planner
Download our smart money budget planner.
Smart money budget planner

Tips on managing money
Here you will find good tips on managing money and budgeting, including tips on savings and cutting costs.
http://www.fido.asic.gov.au

Education and advice

Understanding money
A great site for money fundamentals, and particularly good for young people starting out. There is an easy to use budget planner, loans and savings calculators and brief articles on various money matters. This website is an initiative of the Federal Government Financial Literary Foundation.
http://www.understandingmoney.gov.au

Tips on advice and investment products
A useful resource providing tips and traps for investors on various financial matters including getting advice, investment products and complex investments. Also includes safety checks and access to relevant Australian Securities and Investment Commission (ASIC) registers.
http://www.fido.asic.gov.au

Good advice
This site provides helpful information, tips and resources on financial advice, including who can give advice, when advice is needed, what it will cost and how you know if you are getting good advice.
http://www.goodadvice.com.au

Australian Stock Exchange
If you like to watch the market, or check particular stocks, this is the site for you. It has a range of education topics, including SMSFs and alternative investments, and updates on events.
http://www.asx.com.au

Super

Better super
Promoted on TV and radio, the Government has introduced significant changes to superannuation from 1 July 2007. This site will help you learn more.
http://www.ato.gov.au

Super co–contribution
The super co–contribution is a great way for low to middle income earners to boost their super savings.
http://www.ato.gov.au

Finding lost super
Some people have money in a super fund which they have forgotten about, or were not aware it was there. The government provides a service to help you find lost super.
http://www.ato.gov.au

Superannuation savings
The Association of Superannuation Funds of Australia regularly releases insights into people’s superannuation wealth, retirement needs and attitudes to superannuation.
http://www.superannuation.asn.au

Tax

Income tax rates
Income tax rate thresholds changed on 1 July 2007, reducing the rate of tax payable.
http://www.ato.gov.au

Fringe benefits and salary packaging
Information from the ATO on fringe benefits tax.
http://www.ato.gov.au

Working overseas
If you are considering working overseas, it’s good to understand the potential tax implications.
http://www.ato.gov.au