Earnest InvestSmart

28/05/2026

EOFY Super Checklist 2025–26

EOFY super planning is not about rushing decisions in the final week of June.

It is about checking whether your contribution strategy, cashflow and broader financial structure remain aligned before taking action.

Before 30 June, key areas to review may include:

• concessional contribution caps
• carry-forward contribution eligibility
• timing of contributions
• beneficiaries
• insurance inside super
• cashflow and tax position

EOFY planning should not create pressure. It should support clearer, more structured decision-making.

Before taking action, speak with your adviser and consider what is appropriate for your circumstances.

This information is general in nature and does not take into account your personal objectives, financial situation or needs. Before making any financial decision, you should consider whether the information is appropriate for your circumstances and seek professional advice where required.

16/05/2026

The 2026–27 Federal Budget included a number of legislated and proposed measures that may be relevant to tax planning, property investment, superannuation, small business and retirement planning.

For most people, the right response is not to rush.

A better question is:

Does this change anything in my financial structure?

Areas that may be worth reviewing include:

• how your investments are owned
• whether your property strategy remains suitable
• whether your trust or business structure remains effective
• your superannuation balance and contribution strategy
• your retirement income and pension position

Many Budget measures remain proposed, subject to legislation, and may change.

At Earnest InvestSmart, our view remains simple:

Review your structure before reacting.

This information is general in nature and does not take into account your personal objectives, financial situation or needs. Before making any financial decision, consider whether the information is appropriate for your circumstances and seek professional advice where required.

MoneyManagement LongTermInvesting StructureBeforeReaction

16/02/2026

新一年，願你心安、事穩、財聚。
May this year be steady, simple, and meaningful.

— Earnest InvestSmart

22/01/2026

The biggest long-term risk isn’t the market.
It’s attachment.
Attachment to a stock because it used to perform.
To property because it feels safe.
To cash because it feels certain.
Or to a strategy that no longer fits your life.
The goal isn’t chasing returns.
It’s building structure that protects you from emotion: diversification, rebalancing, and a plan you can stick with.
So here’s the question:
What’s your “golden bowl” — the thing you’re holding too tightly?
Real wealth feels like calm.
Real freedom starts with clarity.

長期真正影響投資結果的，往往不只是市場波動。
而是「執著」。
執著於曾經表現很好的股票、
執著於「感覺安全」的房地產、
執著於「最確定」的現金，
或是一套早已不再適合你人生階段的策略。
投資不是追逐短期報酬，
而是建立一套結構，保護你不被情緒帶著走：
分散投資、定期再平衡，以及一個你能長期執行的計畫。
你現在握得最緊的「紫金鉢」是什麼？
真正的財富，是平靜。
真正的自由，始於清晰。

What’s your “golden bowl”? (One word is enough.)
繁中：留言：你的「紫金鉢」？（一個字就好）

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24/12/2025