Nurture Wealth

01/09/2026

Spring is a time of renewal and growth and can be the perfect time to take a fresh look at your finances.

In our first article, we explore why a Transition to Retirement (TTR) strategy deserves a second look. It may help supplement income, improve tax efficiency and support a more gradual move from work to retirement.

Regular reviews of your will and super arrangements can help protect beneficiaries and minimise unexpected tax outcomes and this is particularly true in light of recent changes affecting testamentary trusts and ongoing complexity around superannuation death benefits. Our second article outlines some things worth considering.

And finally, we take some inspiration from the new buds unfurling and look at how good new experiences are for us. Stepping outside your old routines can reshape the brain, build resilience and remind us that growth is something we can cultivate at every stage of life.

11/08/2026

📈 RBA Holds Cash Rate at 4.35%

As widely expected, the Reserve Bank of Australia has left the cash rate unchanged at 4.35%.

Market reaction was muted, with AUD/USD easing slightly from 0.706 to 0.705 and the 10-year bond yield remaining steady at 4.99%.

The RBA noted that financial conditions have tightened due to:
✅ Higher cash rates
✅ Higher bond yields
✅ A stronger Australian dollar

While the economy continues to slow and inflation is tracking below the RBA's forecasts, it remains above the Bank's 2-3% target range. Inflation is not expected to return to target until late 2027.

Importantly, the RBA continues to leave the door open for further rate increases if required, making this another "hawkish hold."

Financial markets are currently pricing in around 13-15 basis points of additional tightening over the next 12 months, implying roughly a 50% chance of one further rate hike.

Our view remains that much will depend on oil and domestic fuel prices. If fuel prices stay elevated, inflation could take longer to moderate.

For now, however, we do not expect any further rate hikes.

https://www.rba.gov.au/media-releases/2026/mr-26-19.html

At its meeting today, the Board decided to leave the cash rate target unchanged at 4.35 per cent.

04/08/2026

As we begin to wrap up the winter season, we can embrace the last of the cooler days and make the most of the opportunities the months ahead may bring.

Our snapshot this month puts the spotlight on a sector that is transforming the way businesses operate and creating opportunities across many sectors of the economy – artificial intelligence.

While the focus is on large tech companies, the benefits of AI are likely to extend much further, from energy and infrastructure to healthcare, logistics and specialised software.

As the technology continues to evolve, investors face the challenge of identifying where long-term value may emerge, with diversification remaining as important as ever.

31/05/2026

As we step into the first month of winter and edge closer to the end of financial year, we hope you enjoy the mix of topics covered in our latest newsletter.

Our first article is all about being prepared for June 30, with important super checks, super contribution strategies, and tax opportunities.

Preparing your family for an inheritance is just as important as building your wealth and our second article provides some tips for successful wealth transfer.

And finally, here’s some inspiration to help you enjoy the change in season and thrive during the cooler months.

As always, if you would like to discuss the contents of this newsletter don’t hesitate to contact our office.

As we step into the first month of winter and approach the end of the financial year, attention... https://eread.com.au/nurturewealth/198017

12/05/2026

In his fifth Budget, Treasurer Jim Chalmers released the “most important and ambitious budget in decades” with a plan to navigate global uncertainty and build a stronger economy while taking the pressure off Australians.

With an overarching theme of ‘reform and resilience’, the Federal Government is aiming to shore up investor confidence at a time when the global economy teeters thanks to war in the Middle East and the disruption of global oil supplies.

For households and wage earners, the Budget delivers a mix of targeted cost-of-living relief and significant structural reform, particularly in tax and housing.

You can read our Federal Budget Analysis snapshot here. https://eread.com.au/nurturewealth/197171

As always, if you would like to discuss how the Budget might impact your finances, don’t hesitate to contact our office.

Reform and resilience in uncertain timesTreasurer Jim Chalmers has framed the 2026 Federal Budget... https://eread.com.au/nurturewealth/197171

05/05/2026

📈 RBA Lifts Cash Rate to 4.35%

As widely expected by futures markets, the RBA has increased the cash rate by 25bps to 4.35% — the third hike this year, taking rates back to the previous 2024 peak.

🔮 What Markets Expect Next
No move is priced in for June, but markets see a strong chance of another 25bp hike sometime between August and November.

📊 Why the RBA Moved Today
The RBA has revised its inflation forecasts higher:

Headline inflation now expected to peak at 4.8% in June 2026 (previously 4.2%)

Core inflation expected to peak at 3.8% (previously 3.7%)

At the same time, growth expectations have been trimmed to 1.9% for 2026 (from 2.1%), while unemployment is forecast to remain steady at 4.3%.

💹 Market Reaction
Markets were largely steady, with the hike well anticipated:

AUD/USD: 0.715

10‑year bond yield: 4.99%

ASX 200: –0.44%

📉 Our View
We see today’s move as bearish for the Australian economy and local markets. A resolution to the Iran conflict — and the resulting relief in fuel prices — would help ease inflation pressures.

🗓 What’s Next
All eyes now turn to next Tuesday’s Federal Budget, expected to be neutral to mildly contractionary as the government works to contain inflation.

At its meeting today, the Board decided to increase the cash rate target by 25 basis points to 4.35 per cent.

31/03/2026

It’s April already and Easter will soon be upon us. We hope you have a peaceful and relaxing holiday weekend.

In March war sent shockwaves through global share markets, pushed energy prices higher and stoked fears of recession in Australia and abroad.

For investors, the instinct to act quickly can be overwhelming when there’s so much uncertainty. But understanding what's driving market movements and why a long-term strategy counts, matters more than the daily headlines.

We take a look at what the Iran conflict means for investors right now and why discipline, not fear, should guide your next move

There’s a particular kind of unease that creeps in when market headlines start mixing geopolitics... https://eread.com.au/nurturewealth/195526