
Embarking on your career and family years
It’s never too early to start planning your future journey – but it’s understandably not a priority for many, given the competing demands on your time and finances during the foundational years of your career, from children to friends, leisure and keeping fit. You may already be saving indirectly for retirement, if you’re paying down a mortgage.
Nonetheless, a great place to start at this stage of life includes understanding the importance and rules of minimising tax, salary packaging and insurance – and potentially increasing your superannuation contributions whenever you succeed in securing a pay rise. You might also want to consider investing out of your superannuation.