All Posts

Investors across Australia are entering 2026 with a familiar question: what is the best way to invest right now? After several years of rising interest rates, shifting inflation and global uncertainty, many people want clarity on how to approach the year ahead. The good news is that the data from 2025 provides a strong foundation for making thoughtful, well‑informed decisions. By understanding how the economy has evolved and where markets are heading, Australians can build in

Growing your superannuation faster is one of the most effective ways to build long‑term financial security, especially in a system as robust and well‑regulated as Australia’s. With superannuation assets reaching record levels and contribution rates continuing to rise, many Australians are looking for practical ways to strengthen their retirement outcomes. Understanding how the system is performing, where contributions are increasing, and how investment trends are shifting can

If 2025 taught us anything, it’s that financial stability isn’t something to take for granted. Rising living costs, shifting interest rates, and ongoing economic uncertainty pushed many households to reassess how prepared they really were. The year highlighted the importance of clarity, resilience, and proactive planning — and the data backs this up. As we step into 2026, these lessons offer a practical roadmap for anyone wanting to strengthen their financial wellbeing.

Boosting your superannuation isn’t just about how much you contribute — it’s also about how you contribute. Two common strategies are salary sacrifice and personal deductible contributions. Both allow you to make concessional contributions (those made before tax), but the mechanics, tax outcomes, and flexibility differ. Understanding these differences can help you choose the approach that best fits your circumstances.

Superannuation is more than just a retirement savings vehicle — it’s one of the most tax‑effective ways to grow wealth over time. For many Australians, the challenge isn’t knowing that super is important but understanding how to make the most of contribution rules. One of the most powerful strategies available is the bring‑forward rule, which allows you to contribute up to three years’ worth of non‑concessional contributions in a single financial year.

Financial independence is often portrayed as a finish line — a moment when you no longer need to work, worry, or compromise. But in reality, it’s not a single destination. It’s a series of intentional steps that build confidence, security, and choice over time. For women navigating career transitions, caregiving roles, or midlife planning, financial independence is not just possible — it’s strategic.

With the end of the year just two months away, the holiday season is fast approaching — bringing joy, connection, and often, financial pressure. Australians are expected to spend nearly $800 each on gifts, travel, and celebrations this Christmas. Yet ASIC’s Moneysmart research shows that while most people set a budget, nearly half regret their spending afterwards. At Prosper Financial Planning, we believe generosity should never come at the cost of financial stress.

Economic abuse is a form of control that strips away a person’s financial autonomy, often quietly and insidiously. It can involve restricting access to money, sabotaging employment, or coercing financial decisions — and it disproportionately affects women. According to the Australian Institute of Health and Welfare, 2.3% of women have experienced economic abuse in the past 12 months, with many more facing long-term financial consequences.

As the financial year draws to a close, it’s the perfect time to pause and take stock of your financial wellbeing. Whether you're building wealth, managing family finances, or preparing for retirement, a midyear financial health check helps you stay aligned with your goals and adapt to changing conditions. This year’s review is especially important, with updates to superannuation rules, insurance trends, and cost-of-living pressures shaping the financial landscape for women a

Financial literacy is more than knowing how to budget or invest — it’s a gateway to emotional wellbeing, decision-making power, and life satisfaction. For women navigating midlife transitions, career shifts, or family responsibilities, understanding money can be the difference between feeling stuck and feeling in control.

For many women, especially those in midlife or navigating motherhood, the decision to return to work after having children is layered with financial, emotional, and career considerations. With paid childcare use rising and new superannuation reforms now supporting parental leave, it’s time to reframe the conversation: how can women balance the cost of childcare with long-term career growth and financial wellbeing?

Housing is more than bricks and mortar — it’s about safety, stability, and dignity. Yet for many women, especially those in midlife, the path to secure housing is riddled with financial stress, rising costs, and systemic barriers. Whether you’re renting, owning, or somewhere in between, this guide offers practical strategies to help you navigate housing decisions with confidence.

Midlife is a powerful turning point. You’ve built experience, resilience, and wisdom — and now is the time to make sure your money reflects that. Whether you're juggling career, caregiving, or planning for retirement, your financial decisions in your 40s and early 50s can shape the next 30 years.

Money conversations can feel intimidating — especially when you're sitting across from a financial professional, trying to make sense of jargon, fees, and complex advice. But here’s the truth: your voice matters. Whether you're discussing superannuation, insurance, investments, or budgeting, you deserve to be heard, respected, and understood.

For many women, motherhood brings profound joy — and complex financial decisions. Whether you're preparing for parental leave, stepping back from full-time work, or considering a longer career break, it's natural to worry about the impact on your financial future. Will your superannuation suffer? Can you stay on track with your goals? How do you protect your long-term security while prioritising your family?

For many women, asking for more — whether it’s a pay rise, better superannuation contributions, or simply recognition — feels like walking a tightrope. We worry about being perceived as pushy, ungrateful, or unrealistic. But here’s the truth: asking for more isn’t about ego. It’s about equity, agency, and self-worth. This blog is your guide to making the ask — with clarity, confidence, and conviction.

Divorce or separation can feel like a seismic shift — emotionally, socially, and financially. For many women, especially those who’ve stepped back from paid work to raise children or support a partner’s career, the end of a relationship marks not just the loss of a shared life, but the beginning of a daunting financial journey. But here’s the truth: your financial voice is still yours. And it’s time to reclaim it.

Superannuation is designed to support you in retirement—but life doesn’t always wait. For women facing financial hardship or serious medical conditions, early access to super may feel like the only option. While it’s possible under strict conditions, it’s important to understand the rules, risks, and alternatives before making a decision.

Returning to work after maternity leave is a major life transition—emotionally, professionally, and financially. While your focus may be on juggling routines and reconnecting with your career, your superannuation deserves attention too. Time away from paid work can create gaps in your retirement savings, but with a few smart strategies, you can start rebuilding with confidence.

Money and love are deeply intertwined—but not always in healthy ways. While open financial communication can strengthen a relationship, financial control or secrecy can quietly erode trust and independence. For women in midlife, especially those navigating divorce, career transitions, or caregiving roles, recognising financial red flags is essential.