Insights

In this section the Annex Wealth Team will look to demystify some of the complexities of financial planning. We will be bringing you some stories that will touch on behavioural concepts, the value of advice & discussions about current market trends.

We have some unique perspectives on how we see the financial world and we will try and keep things as light as possible! Grab your morning coffee and give the Annex blog a read!

18 August, 2025

Retirement Investment Strategies

For many Australians, retirement marks a significant shift in financial priorities. After years of growing your superannuation and savings, the focus turns to making those assets work for you, not just to generate income, but to provide long-term security and peace of mind. Your investment strategy in retirement is about more than just preserving savings; it’s about how your assets are structured once regular income stops. The goal is to balance stability with growth, generate income without eroding capital, and ensure your portfolio can adapt to changing needs over time. With inflation, market volatility, and longer life expectancies at play,
18 August, 2025

Investing in Private Markets: Private Equity & Credit Opportunities

As markets evolve and volatility persists across traditional asset classes, sophisticated investors are increasingly looking to private markets, specifically private equity and private credit, as a means of enhancing portfolio performance, diversifying risk, and accessing opportunities beyond the public sphere. Once the exclusive domain of institutional capital, private market investments are now a key consideration for high-net-worth individuals, self-managed super funds (SMSFs), and those focused on long-term capital growth and income stability. However, these investments demand careful analysis, professional insight, and a structured approach. Defining Private Markets Private markets refer to investments not listed or traded on public exchanges. They
12 August, 2025

Using a Superannuation Recontribution Strategy to Improve Estate Outcomes

When it comes to estate planning, many Australians overlook a crucial consideration: the tax their beneficiaries may face when receiving superannuation death benefits. While superannuation is designed to support your retirement, its structure also has long-term implications for how your wealth is transferred to the next generation. A super recontribution strategy is a powerful, lesser-known tool that can significantly improve the after-tax value of the legacy you leave behind. By restructuring your superannuation components, you can reduce the tax burden on non-dependent beneficiaries, align with estate planning goals, and equalise super balances between spouses. Understanding how and when to use
17 July, 2025

How to Plan for Retirement With Confidence

Retirement should be a time to enjoy the life you’ve worked hard to build, not a time of financial stress or uncertainty. Yet for many Australians, the idea of stepping away from a regular income can feel overwhelming. How much will you need? How long will it last? Are you making the most of tax advantages like superannuation and franking credits? At Annex Wealth, we help individuals and families plan for retirement with clarity and confidence. Whether you’re approaching retirement or thinking ahead, this guide will walk you through key considerations, from super strategies to pension structures, and how to
17 July, 2025

What are Franking Credits?

If you’ve ever received a dividend from an Australian company, you may have encountered the term franking credits. While it might sound technical, understanding how franking credits work can have a meaningful impact on your after-tax investment income, especially if you’re retired or managing a self-managed super fund. Franking credits are a feature of Australia’s tax system that helps investors avoid paying tax twice on the same income. For many, they offer a way to reduce tax or even receive a refund. Understanding how franking credits work and who benefits most can help you make more informed decisions about your
26 May, 2025

The Great Wealth Transfer: Navigating Intergenerational Wealth in Australia

Australia stands at the cusp of a monumental financial event - the great intergenerational wealth transfer. As trillions of dollars move from aging Baby Boomers to younger generations, this seismic shift in wealth demands careful planning. Intergenerational wealth isn't just about inheritance; it's about the timing, strategy, and the impact on families grappling with rising living costs, property challenges, and hidden taxes. Here's how Australians can navigate this transition effectively. The Size of the Generational Wealth Transfer in Australia The numbers are staggering: over the coming decades, an estimated $3.5 trillion will pass from Baby Boomers to Gen X, Millennials,
21 May, 2025

Should I Set Up an SMSF?

When considering whether to set up a Self-Managed Super Fund (SMSF), it’s essential to think beyond just having a substantial super balance. While control and flexibility are appealing, the decision to establish an SMSF should be driven by a clear purpose and a well-defined strategy. SMSFs offer a powerful way to take charge of your retirement savings, but they also come with responsibilities and complexities. Understanding the key benefits, challenges and factors involved can help you decide if an SMSF is the right choice for your financial goals. Understanding What an SMSF Is An SMSF is a private superannuation fund
2 May, 2025

Shares vs Property

landscape with grassy hills
When it comes to building wealth in Australia, the debate between shares and property is one that consistently divides opinion. Some swear by the stability and tangibility of bricks and mortar. Others lean towards the flexibility and growth potential of the share market. But the truth is, this isn’t a contest. It’s a strategic decision, and the right choice depends entirely on your personal goals, risk appetite, and long-term financial plan. With rising living costs, volatile markets, and changes to interest rates, many Australians are revisiting how they invest. If you're weighing up investing in shares vs property, understanding how
22 April, 2025

What Is Debt Recycling? A Comprehensive Guide

If you’re a homeowner with a mortgage and are looking for smarter ways to build long-term wealth, a debt recycling strategy may be worth exploring. At its core, debt recycling is a method of transforming non-deductible home loan debt into tax-deductible investment debt. For many Australians, their home is their biggest asset, but it can also tie up significant equity. Debt recycling provides a structured way to put that equity to work while maintaining focus on reducing your mortgage. When used appropriately, this strategy can help accelerate your mortgage repayments and increase your overall net worth. But it also requires
11 April, 2025

Keep Calm and Carry Forward

Bird flying across Orange- Red sunrise
Maximise Your Super Contribution Cap with Carry-Forward Concessional Contributions Over the last decade, Australians have experienced relatively stagnant marginal tax rates, resulting in bracket creep and some of the highest marginal tax rates globally. With significant tax reform seemingly elusive, workers face a choice when thinking about retirement planning: wait for change or explore strategic opportunities within the current tax system. One such opportunity, often overlooked, is the carry-forward concessional contributions - a sleeping giant that could dramatically improve retirement savings and reduce tax liabilities. Understanding the Super Contribution Cap: How Carry-Forward Rules Work Carry-forward concessional contributions, also known as
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