Achieve your tomorrow

Salary sacrifice into super can be a powerful way to boost retirement savings while reducing tax, but it comes with trade-offs. This article explains how the strategy works, its key benefits like tax efficiency and compounding growth, and important considerations such as reduced take-home pay and contribution caps. Ashley Smith highlights the need to balance short-term cash flow with long-term goals when deciding if salary sacrifice is right for you.

Peer pressure doesn’t disappear in adulthood—it simply becomes quieter, influencing how we spend, live, and measure success. This article explores how subtle social expectations can lead to overspending and financial stress, often pulling people away from their own goals. It highlights the importance of setting personal priorities, staying disciplined, and having the confidence to make financial choices that align with your values.

Emerging markets are moving unevenly, with AI-driven rallies in Korea and Taiwan contrasting against weaker performance across broader EM sectors. Despite rising oil prices and global volatility, Trinetra’s “true EM” portfolio has shown resilience, supported by its Latin American exposure and positions in companies like Tencent and CATL. The article also highlights growing risks in the semiconductor memory cycle, suggesting potential downside after an extended upturn.