Goal Financial Services

19/07/2026

The FIFA World Cup Final ⚽ is the culmination of years of planning, preparation and discipline.

The world’s best teams don’t wait until the 89th minute to come up with a game plan and neither should you when it comes to your finances.

Whether you’re:
✔ Building wealth
✔ Growing your superannuation
✔ Preparing for retirement
✔ Protecting your family

The best outcomes usually come from having a clear plan long before the final whistle.

Enjoy the World Cup Final tomorrow, and remember…

Game plans don’t just win football matches. They help build better financial futures too.

Who will you be cheering for? 🇪🇸 or 🇦🇷

06/07/2026

💰 Payday Super is a win for Australian workers

From 1 July 2026, many employers will begin moving towards paying superannuation at the same time as your wages.

While it may not seem like a big change, it could make a meaningful difference to your retirement savings over time.

Why?

✅ Your money starts working for you sooner, giving it more time to benefit from investment returns and compound growth.

✅ Regular contributions help take advantage of dollar cost averaging – investing consistently over time means you’ll automatically buy more units when markets are lower and fewer when they’re higher, reducing the temptation to try and “time the market.”

✅ It also makes it easier to see if your employer is paying your super correctly, rather than waiting until the end of each quarter.

Small changes, consistently applied over many years, can have a significant impact on your retirement.

If you’d like to understand how this change fits into your broader retirement strategy, we’re always happy to help.

23/06/2026

🏠 Proposed Changes to SMSF Property Borrowing

The Greens have confirmed they will support Labor’s Treasury Laws Amendment (Tax Reform No. 1) Bill 2026 through the Senate, covering changes to capital gains tax, negative gearing and discretionary trusts.

As part of that agreement, Labor has reportedly agreed to ban Self-Managed Super Funds (SMSFs) from using Limited Recourse Borrowing Arrangements (LRBAs) to acquire residential property.

While the legislation has not yet passed and important details are still to be confirmed, current reports suggest:

✅The proposed ban is aimed at residential property only
✅Commercial property borrowing through SMSFs does not appear to be affected
✅ Existing arrangements may be grandfathered, although this has not yet been confirmed

For anyone currently in the process of purchasing a residential property through their SMSF using borrowings, now may be the time to seek advice and understand your options.

As always, the detail matters, and we’ll continue to monitor developments as more information becomes available.

23/06/2026

🏠 Proposed Changes to SMSF Property Borrowing

The Greens have confirmed they will support Labor’s Treasury Laws Amendment (Tax Reform No. 1) Bill 2026 through the Senate, covering changes to capital gains tax, negative gearing and discretionary trusts.

As part of that agreement, Labor has reportedly agreed to ban Self-Managed Super Funds (SMSFs) from using Limited Recourse Borrowing Arrangements (LRBAs) to acquire residential property.

While the legislation has not yet passed and important details are still to be confirmed, current reports suggest:

✅ The proposed ban is aimed at residential property only
✅ Commercial property borrowing through SMSFs does not appear to be affected
✅ Existing arrangements may be grandfathered, although this has not yet been confirmed

For anyone currently in the process of purchasing a residential property through their SMSF using borrowings, now may be the time to seek advice and understand your options.

As always, the detail matters, and we’ll continue to monitor developments as more information becomes available.

Labor’s controversial tax bill that includes changes to the capital gains and negative gearing will become law after securing support from the Greens.

16/06/2026

RBA Update 📢

The Reserve Bank has left the official cash rate unchanged at 4.35% today. After three rate rises earlier this year, the RBA has opted to pause and assess how the economy responds.

For borrowers, today’s decision should mean no immediate change to variable home loan rates. For savers and retirees, higher interest rates continue to support cash and term deposit returns.

As always, interest rates are just one piece of the puzzle. The right strategy depends on your individual circumstances, goals and timeframe.

If you’d like to discuss how the current rate environment may affect your financial plan, please get in touch.

12/05/2026

Tonight’s Federal Budget has already sparked strong debate across Australia.

With changes to negative gearing and capital gains tax, some believe the reforms could improve housing affordability for future generations. Others argue investors may now shift focus towards shares and superannuation, which were largely left untouched in this budget.

As always, every budget creates both winners and losers depending on your circumstances and long-term strategy.

What’s your view? Vote below:
👍 Resilience & Reform
😡 Broken Promises

In the first full budget since Labor's landslide election victory last year, the government is putting some money back in workers' pockets and increasing taxes on investors. So who wins and who misses out?

10/05/2026

💐Happy Mother’s Day 💐

Mums are the original financial planners:
✔ budgeting the household
✔ planning for the future
✔ managing risk (aka kids 😄)
✔ and somehow doing it all with love

Today we celebrate all mums - biological, grand, chosen, fur, step, new, not‑so‑new, and everything in between - for the care, foresight and dedication you bring every day.

From all of us at Goal Financial Services, we wish you a wonderful day. 💕

06/05/2026

The latest RBA rate increase to 4.35% will understandably create pressure for many borrowers and businesses. However, higher interest rates are not universally negative.

For Australians with savings, term deposits, cash holdings or fixed income investments, higher rates can improve returns and provide more income certainty. Retirees in particular, many of whom rely on interest income or are helping family financially, may finally see better outcomes on conservative investments after many years of very low rates.

As always, the impact of rising rates depends on your personal circumstances, debt levels and investment strategy which is why balanced financial planning remains important through changing economic conditions.

29/04/2026

With cost of living pressures, everyone could do with some extra cash right now. Follow these simple steps to help reduce money wasted on bills.





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With cost of living pressures, everyone could do with some extra cash right now.

25/04/2026

Did you know that you could consider investing the proceeds of the sale of your family home to your super, as a downsizer contribution?





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Downsizing the family home is often part of the longer term financial plans for many older Australians. But did you know that you could consider investing the