Money Australia – July 2017

ME 2017

COVER STORY INTERVIEW DATA-MATCHING

44 Tax:Adrian Raftery

46 Aged care:J. Rawling & R. Horin

48 Data-matching:Mark Story

50 Mobile plans:Steph Nash

53 Banking:Effie Zahos

54 Howmuchareyoupaying?

55 Family money:Susan Hely

56 Small business:Anthony O’Brien

57 The debate

58 Crisis:Sam Henderson

59 Life matters:Heidi Armstrong

26 Safe places to invest

46 Aged care checklist

53 Pay1%lessonyourhomeloan

60 Top10realestatepicks

70 Infrastructure super funds

75 Your financial personality

78 Risk of doing nothing

82 Build a share portfolio

88 Verdict on big 4 bank shares

ON THE COVER

Disclaimer: The information featured in this magazine is general in nature and does not take into account your objectives, financial situation or needs. You should consider the appropri-

ateness of the information having regard to your own circumstances. Before making an investment, insurance or financial planning decision you should consult a licensed professional

who can advise you of whether your decision is appropriate. Bauer Media does not have an interest in the promotion of any company, investment or product featured in this magazine.

CONTENTS

36 22 48

UPFRONT MY MONEY

8 Editor’s letter

10 Our experts

12 In your interest: Paul Clitheroe

14 News & views

18 In brief

22 Interview: Alan Deans

26 Ask the experts

28 Ask Paul

32 Smart spending

35 Paul’s verdict

Smart strategies for every

income bracket

Inventor of the Flow Hive

Cedar Anderson

Declare all your income:

the tax office is watching

STRATEGIES ON BUILDING

WEALTH ONE HOME AT A TIME

GUIDE

REAL

ESTATE

OUR EXPERTPANEL

MARGARETPositive cash fllosses into gainsLOMASow –

BEN KINGSLEY$129,000 ahead byrentvesting

JANE SLACK-SMITHProperty$124a weekfor

PAUL CLITHEROEWhy prices willkeep rising

HOTSPOTTINGRETIREMENT PLANSTATE OF THEMARKET WRAP-UP

DEPRECIATION

PRE & POST BUDGET DIFFERENCEBUILDING A PASSIVE INCOME

SPECIAL EDITIONISSUE 4 $12.50www.moneymag.com.au

YOUR 2017

FIRST-HOME BUYERS69 pages for

The cost of waitingFastwaystosave

how to buyWhere &

INSIDE

PLUS

Pr oper t ynobarp

Money’s annual Real Estate Guide is back!

• Get tips for building wealth through property from
  experts including Bryce Holdaway, Ben Kingsley, Chris
  Gray, Margaret Lomas and more!


• Features a bonus first-home buyers section.

ON SALE NOW

6 MONEY JULY 2017