As the end of the financial year (EOFY) approaches, investors often focus on topping up super, maximising deductions, prepaying interest or reviewing portfolios. While these are all valuable activities, there are some less obvious tasks that can have a big impact on your tax position, wealth preservation and long-term planning outcomes.

Here are five areas that investors can often miss in EOFY planning.

 1. Capital gains in volatile markets

Investment markets have been volatile in recent years, with rapid movements in equities, property and fixed income. When investors buy and sell during choppy market periods, capital gains tax (CGT) considerations become even more important.

So, the EOFY is the ideal time to assess whether:

You should realise gains this year or defer them – The decision can hinge on:

• Expected income this year vs next year
• Whether you qualify for the 50% CGT discount
• Available capital losses
• Investment timeframes and risk appetite

You have unused capital losses – Losses can be used to offset realised gains, but they cannot be used against ordinary income. Some investors may find that realising strategic gains before 30 June allows them to “unlock” unused losses that have been sitting dormant.

Be aware of “wash sale” rules. Some investors plan to sell an asset to realise a loss and then quickly buy it back. The ATO calls this a wash sale and may deny the loss.

2. Superannuation recontribution strategies

A super recontribution strategy is sometimes overlooked because it requires coordination between pension payments, contributions and tax components. But, when used appropriately, it may significantly reduce future tax for beneficiaries and increase flexibility in estate planning.

This strategy usually involves:

1. Withdrawing a portion of your super (usually from the tax free and taxable components proportionally), then
2. Recontributing those funds back into super as a non-concessional contribution (if you’re eligible).

The result is that more of your balance becomes tax free, which can reduce or eliminate the “death benefits tax” that applies when super passes to non-dependent beneficiaries, such as adult‑children.

EOFY is a good time to consider recontributions because:

• Contribution caps reset on 1 July
• Withdrawals need to be timed alongside pension minimums
• Your age, work status and total super balance (TSB) limit your contribution options
• Large transfers may benefit from splitting across financial years

It’s not a strategy for everyone, but for retirees or those preparing for retirement, it may produce long-term savings.

3. Bringing forward deductions and deferring income

While prepaying expenses and deferring income is a well-known EOFY strategy, it may not be successful for everyone, so check carefully that it’s useful for you.

Bringing forward deductions – You may be able to prepay, interest on investment loans, income protection premiums, ongoing advisory fees, and professional subscriptions. But if you’re approaching income thresholds (such as Medicare Levy Surcharge minimums, private health insurance rebates or HECS/HELP repayment bands) it’s important to calculate whether prepayments will actually deliver you a benefit.

Deferring income – Small businesses using cash accounting may be able to defer invoicing until July and investors might choose to delay receiving distributions or bonuses. But don’t forget that deferring income may affect borrowing capacity or government payments.

4. Managing Division 7A loans

Division 7A can catch business owners off guard at EOFY. These rules apply when a private company lends money, pays expenses or provides assets to shareholders or their associates. If not handled correctly, the ATO may treat the payment as an unfranked dividend, resulting in significant unexpected tax.

To stay on top of your Division 7A obligations:

Confirm all loans are documented – A written Division 7A loan agreement must be in place by the company’s tax return deadline. Without it, the full outstanding balance may be treated as a dividend.

Check minimum yearly repayments – Each year, borrowers must make minimum repayments of principal and interest and must be made in cash.

Consider whether to repay, refinance or restructure – Fully repaying a loan before EOFY may be the most tax efficient option. Or refinancing through a complying loan or restructuring the company’s finances may provide greater flexibility.

Don’t forget about company-paid personal expenses – Payments for personal use, such as private travel, home expenses or personal assets, may sometimes also fall under Division 7A.

A well-timed review can prevent unintended tax consequences and keep your structure compliant.

5. Reviewing your records

Another often missed EOFY task is checking that your records and substantiation are complete before preparing your tax return.

The ATO is increasing its use of data matching programs, so having accurate documentation is essential. This includes keeping receipts for deductible expenses and retaining statements for managed funds and other investments.

EOFY planning is about much more than topping up super or gathering receipts. Hidden traps like CGT and Division 7A timing can create unnecessary tax if ignored, while proactive strategies such as recontributions can deliver long-term estate planning benefits.

By taking a structured approach, you can ensure every part of your financial picture is working together, and no opportunity is missed. We’re here to help. Please give us a call.

Integrity One Wealth Advisers  Pty Ltd

Why you should review your super

Your super could be one of the biggest assets you’ll accumulate in your lifetime.

However, many Australians think they don’t need to worry about their super until retirement. Some don’t think about it at all.

It’s never too early to think about your super and the earlier you get on top of it, the better. It’s a good idea to regularly review and manage your super at least once a year. It’s important to make sure you:

• are getting the super you’re entitled to from your employer
• know where your super is.

Small decisions you make today can have a big impact on your final super balance.

For instance, missing out on some employer contributions today, could have a huge impact on your final super balance due to the compounding effect of earnings. The same can happen if you have lost or unclaimed super.

Benefits of a super health check

A super health check consists of 5 simple yet important checks you can do to get on top of your super today. It will help you:

• manage your super
• understand your entitlements
• make better choices for your future.

You can complete a super health check at any time however, we suggest you get into the habit of doing it each year.

Check 1: Check your contact details

Check your contact details and tax file number (TFN) are up to date with th ATO and your super fund. This helps prevent lost super and assists the ATO in matching any unclaimed super to you. It’s also important to ensure your bank account details are up to date.

Log on to ATO online services through myGov. In the top menu, select My profile. From the drop-down options, select either:

• Personal details to update your name, contact number, email and home address
• Financial institution details to update your bank account and
  • under the Account heading, you will see Income Tax and Superannuation
  • select either Add or Update.

To update your contact details and TFN with your super fund, see their website or contact them directly, or speak to us.

Check 2: Check your super balance and employer contributions

It’s important to check your super balance each year to see how much you have and keep track of your employer contributions. You can do this anytime on ATO online services or through your super fund.

Your employer should currently pay your super at least every 3 months, this will change on 1 July whereby your super must be paid the same time as your wages. They may choose to do it more frequently, such as your regular pay cycle. If you’re under 18, you need to work more than 30 hours a week to be eligible for super. For the latest super rates information visit Super guarantee.

Funds report account balances to the ATO at certain times of the year. Balances shown in ATO online services may be different to your actual current balances.

Log on to ATO online services through myGov. From the top menu, select Super and then either:

• Fund details to see all your super accounts and balances (including those held in funds or with the ATO) and the most recent data reported by your fund.
• Information then Employer contributions to see the total year-to-date employer contributions in a selected year – select Transactions to see each contribution separately.

For help calculating the amount of super your employer should be paying, use the Estimate my super tool. If you do not receive super contributions or the amounts are incorrect:

• contact your employer and request an update
• report it to the ATO.

Check 3: Check for lost and unclaimed super

You may have lost track of some of your super when you changed your name, address or job, for example. This is why it’s important to ensure your fund has your current details.

Lost super is when your fund has lost touch with you, or your account is inactive. This money is held by your fund. Unclaimed super is when your fund transfers lost super to the ATO.

All your super accounts including lost and ATO held super are displayed on ATO online services.

Log on to ATO online services through myGov. From the top menu, select Super. Then select either:

• Fund details to check for lost super – if you want to keep your super with the same fund, contact them directly to update your details.
• Manage and then Transfer super to transfer this lost super to an eligible super account – or ask your fund to complete the transfer for you.
• Manage and then Transfer super to transfer ATO held super to an eligible super account.
• Manage and then Withdraw ATO-held super to have your super paid directly to you if the amount is less than $200 or you are over 65.

Check 4: Check if you have multiple super accounts and consider consolidating

If you’ve had more than one job, you may have more than one super account. It’s important to know how many super accounts you have. Combining your super may reduce fees and make it easier to manage.

If you decide to consolidate your super, it’s important to choose the fund that’s right for you. You should check that it provides better value, and the insurance cover suits your needs, which may change throughout your life. To see which fund is the best option for you, visit MoneySmart. If you are unsure of what to do, contact your super fund or we can assist you.

Log on to ATO online services through myGov. From the top menu, select Super then either:

• Fund details to see all your super accounts and balances.
• Manage and then Transfer super to consolidate your accounts, then
  • select the fund you want to close (transfer)
  • select the fund you want your money transferred to from the accounts listed
  • confirm your selection and submit request.

Check 5: Check your nominated beneficiary

Take the time to ensure you have a valid death beneficiary nomination in place with your super fund as this isn’t covered by your will. This means your loved ones will not be put through unnecessary difficulties to finalise your estate.

Most binding nominations expire every 3 years. Some super funds have an option where nominations do not expire and remain in place until they are revoked.

If you don’t nominate a beneficiary, your fund may not know who your benefit should be paid to. In these cases, they will follow the law. This usually means they pay it to one or more of your dependents or your legal personal representative.

To check or nominate your death beneficiary:

• Refer to your super fund’s website or contact them to check if you already have a valid nomination in place.
• To update it, complete the form from your super fund, sign and date in the presence of 2 witnesses.
• If you are unsure what to do, contact your super fund or seek independent financial or legal advice from a qualified estate planner.

We’re here if you need any help.

Source: ato.gov.au
Reproduced with the permission of the Australian Tax Office. This article was originally published on https://www.ato.gov.au/individuals-and-families/super-for-individuals-and-families/super/growing-and-keeping-track-of-your-super/keeping-track-of-your-super/super-health-check#ato-Whyyoushouldreviewyoursuper
Important:

Integrity One Wealth Advisers  Pty Ltd

Stay up to date with what’s happened in the Australian economy and markets over the past month.

2026 kicked off with some encouraging signs but comes with a sting in the tail as global uncertainty continues to shake things up.

There was a surprise drop in unemployment to 4.1%, the number of jobs available increased, and household spending grew.

These elements have also contributed to persistently increasing inflation and predictions of two or three interest rate rises this year.

The S&P/ASX 200 climbed 1.8% in January, but there’s still ground to be made up to reach last October’s peak.

Global markets showed volatility due to geopolitical threats including the Trump administration’s rhetoric and actions on Iran, Venezuela and Greenland.

Click here to view our update.

Please get in touch if you’d like assistance with your personal financial situation.

Integrity One Wealth Advisers  Pty Ltd

Getting on top of your finances is one of the most common new year’s resolutions. But sticking to them can be hard. 

If you want to get your finances unstuck, here are five money tasks you can tick off during your summer down time, that will help set you up for success this year.

Check your credit card’s working for you

Australians owe around $33 billion on credit cards with $18 billion of that money accruing interest. At an average credit card interest rate of 18%, it’s an expensive habit.

If you pay your credit card off every month then the interest rate doesn’t matter (because you’re not being charged interest). But if you carry a debt from month to month, it’s worth comparing credit cards and choosing one that works best for you.

Also check these tips on credit card balance transfers. And try the credit card calculator to see how quickly you could pay off your debt.

Use this credit card calculator

Give your health insurance a health check

It’s a great idea to review your private health insurance periodically as your life changes, to make sure it covers the things you’re most likely to need.

With more than 30 insurers offering multiples of products though, it’s a daunting task.

Fortunately you can compare all private health insurers and policies on the Australian Government’s PrivateHealth.gov.au website. That way, you can make a shortlist of options that could be right for you.

Here are some tips on what to look for.

Review your mortgage

Home loans can be a set and forget product – but there can be an interest rate difference of more than 2% in variable home loan rates on the market. That could make a big difference to the cost.

Here are some tips on switching home loans. And use this mortgage calculator to compare different rates and see how much you might be able to save.

Use the mortgage calculator

Find your super

There’s almost $19 billion in lost and ATO-held super, waiting for rightful owners to find it. If some of that belongs to you then it’s better off in your super account, building for your retirement!

Find out more about lost super and do a lost super search on the ATO website.

Do a written budget

Writing down goals apparently makes them more likely to happen. So having a written budget can be a good way to help you save this year.

Here are plenty of tips for saving money (from checking your utilities bills to choosing a new phone plan).  And the Budget planner makes it easy work out where your money is going – and what you can afford.

Use this budget planner

Don’t hesitate to ask for help

If 2026 hasn’t started with your best foot forward, there’s help available, so don’t hesitate to ask.

Source: Reproduced with the permission of ASIC’s MoneySmart Team. This article was originally published at https://moneysmart.gov.au/media-centre/five-money-tasks-to-start-the-new-year

Integrity One Wealth Advisers  Pty Ltd

Many investors breathed a sigh of relief at having survived (and even thrived) the turbulent economic and political events of 2025.

Super funds posted strong double-digit returns for the 2024-2025 financial year. Australia recorded modest economic growth, while inflation cooled a little throughout the year – albeit with a slight uptick at year’s end – and house prices surged before hitting the brakes

The big picture

Markets and economies around the world have danced to the tune of the Trump Administration’s second term in office and reacted to wars and unrest in the Middle East and Ukraine.

The US President’s often surprising policy twists and turns, particularly a punishing new tariff regime, saw markets falter and exporters of goods and services to the US plunged into uncertainty. As one commentator put it: “Over the past 12 months, the US has seen every norm of economic policy – trade policy, fiscal policy, monetary policy – blithely tossed aside.”

The Australian dollar reflected the choppy conditions, hitting lows just under 0.60 USD in April before recovering slightly by year-end at just under 0.67 USD, this was buoyed by our strong iron ore exports and the growing demand for lithium, copper and rare earths.

The artificial intelligence revolution was another feature of the year, driving US share markets ever higher with some fearing the bubble is overdue to burst.

Economy

Inflation’s stubborn resistance to the Reserve Bank’s measures to bring it down could lead to further interest rate rises in 2026.

The Consumer Price Index eased slightly in November 2025, while figures released in early January 2026 showed an annual rate of 3.4%, down 0.4% on the previous month. The RBA’s flexible inflation target aims to keep the cost of living increases between 2 and 3 %

The cash rate began 2025 at 4.35% but after three cuts during the year, it was down to 3.6% in December. The RBA is due to meet in February to consider its next move.

In the US, the Federal Reserve also cut rates three times, putting the interest rate to a range of 3.5 – 3.75%.

The Australian economy grew 2.1% in the year to September in a massive improvement on the previous year’s growth of 0.8%.

Property

After two uneven years, home values surged again in 2025 by 8.6%, adding about $71,500 to the national median.ⁱⁱⁱ

It’s the strongest calendar year performance since the remarkable 24.5% increase in 2021.

However, values softened in December, recording the smallest monthly increase in five months, and some suggest the risk of further rate rises this year may keep prices in check.

Darwin delivered the best performance with an 18.9% gain in values during the year while Melbourne took the wooden spoon with a 4.8% increase.

Share markets

Global equity markets proved that they could thrive, even in a higher-interest rate environment, and the AI revolution moved from the hype phase of the previous year to serious players in 2025.

While ‘The Magnificent Seven’ tech stocks have long ruled the S&P 500, in 2025 just two outperformed the index with a gain of 64.8% for Alphabet and 38.9% for Nvidia.

It was a slower pace for Australian markets with the S&P/ASX 200 delivering a solid total return of 6.8%. While the big banks faced some pressure on margins as interest rates peaked, the materials sector was supported by the global energy transition. Dividend yields remained attractive, continuing Australia’s tradition of providing reliable income for retirees and SMSFs.

Commodities

Precious metals drove commodity values in the past year with investors looking for security amid interest rate movements and geopolitical tensions.

Silver was up by an astonishing 182% during the year, but a sell-off in December saw the price finish the year with a 147% gain.

The remarkable run drew comparisons with the last bubble and ultimate crash in 1980, after a rise of 713%.

Meanwhile, gold’s safe haven status during times of uncertainty saw it jump by 65% during the year.

Continued demand from China kept the price of iron ore steadily increasing in the last half of 2025.

Looking ahead

It seems likely the issues that dominated the financial markets in 2025 may continue to shape performance and returns this year.

Global politics and war are likely to move commodity prices and equity markets while the contrariness of US foreign policy will both spook and buoy investors.

AI capability and implementation will grow apace, which is likely to see action on equity markets, but don’t forget warnings that the bubble may burst.

In Australia, all eyes will be on the RBA, with high levels of speculation as to where interest rates will be heading in 2026.

Integrity One Wealth Advisers  Pty Ltd

Investing may be all about the numbers – growth, returns and risk – to build a secure future but increasingly investors are interested in an even more meaningful approach.

Four out of five respondents to a 2024 survey wanted their investments to have a positive impact in the world.

The survey, by the Responsible Investment Association Australasia (RIAA), found 79 per cent of investors would be more likely to invest in funds or products that have been independently verified as responsible or ethical. Animal cruelty was a top concern for 66 per cent, followed by human rights abuses – 60%, gambling – 56%, companies that don’t paid their fair share of tax – 55%, as well as tobacco, weapons and firearms all at 55%.

This growing interest in responsible investment saw assets under management in Australian funds rise 24% to more than $1.6 trillion in 2024.

Meanwhile, a 2025 survey of 3,500 high net worth Australian investors found that sustainable investing is gaining traction as long as appropriate returns, clear risk and return profiles, and transparent performance reporting are in place.

Adding value

Aligning your investments with your values isn’t about changing the way you invest, it’s about adding an extra layer of meaning to the process and shaping your portfolio to reflect what’s important to you.

For some, that might mean supporting companies that innovate responsibly or treat employees well. For others, it could mean avoiding industries that don’t align with their principles. There’s no single ‘right’ approach because your values are unique to you.

And here’s the reassuring part: investing with your values doesn’t mean sacrificing returns. Many businesses that operate with strong governance and long-term strategies have shown to perform competitively over time. So, you can pursue financial growth while feeling confident that your money is working in ways that matter to you.

In fact, the RIAA noted in 2024 a ten-year return on RIAA-certified products of 13.9%, compared with 9.19% for the rest of the market (Australian share funds).

Of course, fundamental investment rules apply. Diversification is one of the keys to successful values-based investing. But it’s not about limiting your choices, it’s about finding the right mix of investments that meet both your financial and personal criteria.

A well-constructed portfolio can include companies across different sectors that align with your principles while still delivering strong performance. This approach ensures you’re not only investing with purpose but also managing risk effectively.

Taking the first step

Turning this idea into reality can be complex. Investor’s priorities are different and the investment universe is vast. That’s where a financial adviser adds value.

A good adviser doesn’t just manage numbers. They listen and take the time to understand what matters most to you, whether that’s supporting certain industries, avoiding others or balancing ethical considerations with performance goals.

From there, they help design a strategy that reflects your values without losing sight of your financial objectives.

Advisers also provide clarity. With so many investment options available, it’s easy to feel overwhelmed. We can help you navigate choices, evaluate trade-offs, and ensure your portfolio remains diversified and resilient. We can also monitor your investments regularly, making adjustments as markets change and your priorities evolve.

So, if you’ve ever wondered whether your investments reflect your values, you can begin exploring the possibilities.

Start by asking yourself about the principles that are most important to you; the industry sectors you would like to support or steer clear of and how you would define success.

Then, give us a call. We can help you to align your portfolio with your values while keeping your long-term goals on track.

Integrity One Wealth Advisers  Pty Ltd