[Skip to content](https://blog.canwi.com.au#main-content) [Canwi](https://canwi.com.au) [Blog](https://blog.canwi.com.au) [About](https://canwi.com.au/about) [Pricing](https://canwi.com.au/pricing) [Explore Scenarios](https://canwi.com.au/scenarios) [Sign In](https://app.canwi.com.au/?action=signin) [Get Started](https://app.canwi.com.au/?action=signup) [Home](https://canwi.com.au) [Blog](https://blog.canwi.com.au) [About](https://canwi.com.au/about) [Pricing](https://canwi.com.au/pricing) [Explore Scenarios](https://canwi.com.au/scenarios) [Sign In](https://app.canwi.com.au/?action=signin) [Get Started](https://app.canwi.com.au/?action=signup) # The Canwi Blog Practical financial planning insights - designed to help you set goals, explore scenarios, and build confidence with your money. [![](https://blog.canwi.com.au/hubfs/AI-Generated%20Media/Images/Financial%20Focus%20Desk%20with%20Stock%20Graph%20and%20Coffee.png)](https://blog.canwi.com.au/all-knowledge-has-an-expiration-date) ## [All knowledge has an expiration date](https://blog.canwi.com.au/all-knowledge-has-an-expiration-date) ![Author avatar](https://blog.canwi.com.au/hs-fs/hubfs/Sam.jpg?width=100&length=100&name=Sam.jpg) [Sam](https://blog.canwi.com.au/author/sam) [Financial Wellness](https://blog.canwi.com.au/tag/financial-wellness)[Retirement](https://blog.canwi.com.au/tag/retirement) Sep 20, 2026, 9:03:55 PM If you’ve ever gotten a first aid certificate you’ll know you’ll constantly have to refresh it becau... [![](https://blog.canwi.com.au/hubfs/Canwi%20Retirement-1.png)](https://blog.canwi.com.au/can-you-retire-on-1-million) ## [Can you retire on $1 million?](https://blog.canwi.com.au/can-you-retire-on-1-million) ![Author avatar](https://blog.canwi.com.au/hs-fs/hubfs/Sam.jpg?width=100&length=100&name=Sam.jpg) [Sam](https://blog.canwi.com.au/author/sam) [Retirement](https://blog.canwi.com.au/tag/retirement) Jul 9, 2026, 7:49:06 PM Can you retire on $1 million? $1 million used to sound like a lot. But in an age of trillion-dollar ... [![](https://blog.canwi.com.au/hubfs/pexels-farfalina-28957244.jpg)](https://blog.canwi.com.au/how-does-your-super-balance-compare-and-will-it-actually-be-enough) ## [How does your super balance compare - and will it actually be enough?](https://blog.canwi.com.au/how-does-your-super-balance-compare-and-will-it-actually-be-enough) ![Author avatar](https://app.hubspot.com/settings/avatar/f6b22a6930cbd1a398fc84b5f6884186) [Cameron](https://blog.canwi.com.au/author/cameron) [Retirement](https://blog.canwi.com.au/tag/retirement) Jun 23, 2026, 12:29:01 PM The ATO publishes super balances by age every year. But the headline averages hide a skewed truth - ... [![](https://blog.canwi.com.au/hubfs/Model%20Settings.png)](https://blog.canwi.com.au/model-the-cgt-negative-gearing-changes-announced-in-the-2026-27-budget) ## [Model the CGT & negative gearing changes announced in the 2026-27 Budget](https://blog.canwi.com.au/model-the-cgt-negative-gearing-changes-announced-in-the-2026-27-budget) ![Author avatar](https://app.hubspot.com/settings/avatar/f6b22a6930cbd1a398fc84b5f6884186) [Cameron](https://blog.canwi.com.au/author/cameron) [Tax](https://blog.canwi.com.au/tag/tax) Jun 23, 2026, 11:15:09 AM The proposed CGT, negative gearing, and WATO changes from the 2026 Federal Budget are now live in Ca... [![](https://blog.canwi.com.au/hubfs/pexels-cottonbro-6942736.jpg)](https://blog.canwi.com.au/the-downsizer-contribution-how-to-put-up-to-300000-from-your-home-sale-into-super) ## [The downsizer contribution: how to put up to $300,000 from your home sale into super](https://blog.canwi.com.au/the-downsizer-contribution-how-to-put-up-to-300000-from-your-home-sale-into-super) ![Author avatar](https://app.hubspot.com/settings/avatar/f6b22a6930cbd1a398fc84b5f6884186) [Cameron](https://blog.canwi.com.au/author/cameron) Jun 9, 2026, 10:23:27 PM If you're 55 or older and selling the family home, you may be able to contribute up to $300,000 of t... [![](https://blog.canwi.com.au/hubfs/budget-2026-27-news-tile.jpg)](https://blog.canwi.com.au/the-2026-federal-budget-what-changed-for-your-finances) ## [The 2026 Federal Budget: what changed for your finances](https://blog.canwi.com.au/the-2026-federal-budget-what-changed-for-your-finances) ![Author avatar](https://app.hubspot.com/settings/avatar/f6b22a6930cbd1a398fc84b5f6884186) [Cameron](https://blog.canwi.com.au/author/cameron) May 14, 2026, 7:30:03 PM CGT is being overhauled. Negative gearing on established properties is changing. And workers are get... [![](https://blog.canwi.com.au/hubfs/pexels-pixabay-128867.jpg)](https://blog.canwi.com.au/franking-credits-explained) ## [Franking Credits Explained: Why Australian Dividends Are Worth More Than They Look](https://blog.canwi.com.au/franking-credits-explained) ![Author avatar](https://app.hubspot.com/settings/avatar/f6b22a6930cbd1a398fc84b5f6884186) [Cameron](https://blog.canwi.com.au/author/cameron) May 1, 2026, 7:15:00 AM Australia's dividend imputation system is one of the most generous in the world - and one of the mos... [![](https://blog.canwi.com.au/hubfs/pexels-shox-34360413.jpg)](https://blog.canwi.com.au/property-deductions) ## [The hidden tax deduction some property investors miss - and how to claim it](https://blog.canwi.com.au/property-deductions) ![Author avatar](https://app.hubspot.com/settings/avatar/f6b22a6930cbd1a398fc84b5f6884186) [Cameron](https://blog.canwi.com.au/author/cameron) Apr 29, 2026, 9:34:06 AM If you own an investment property and you're not claiming depreciation, you're almost certainly leav... [![](https://blog.canwi.com.au/hubfs/pexels-markus-winkler-1430818-18524062.jpg)](https://blog.canwi.com.au/individual-stocks-vs-etfs) ## [Individual stocks vs ETFs: the maths of beating the market - and why it's harder than it looks](https://blog.canwi.com.au/individual-stocks-vs-etfs) ![Author avatar](https://app.hubspot.com/settings/avatar/f6b22a6930cbd1a398fc84b5f6884186) [Cameron](https://blog.canwi.com.au/author/cameron) Apr 23, 2026, 10:57:24 AM Most individual stocks underperform basic savings accounts over their lifetime. Almost all professio... [![](https://blog.canwi.com.au/hubfs/pexels-davegarcia-31039051.jpg)](https://blog.canwi.com.au/help-debt-explained) ## [HECS/HELP debt explained: how repayments work](https://blog.canwi.com.au/help-debt-explained) ![Author avatar](https://app.hubspot.com/settings/avatar/f6b22a6930cbd1a398fc84b5f6884186) [Cameron](https://blog.canwi.com.au/author/cameron) [Foundations](https://blog.canwi.com.au/tag/foundations) Apr 20, 2026, 11:36:54 AM Most Australians with a HELP debt don't fully understand how it's calculated, why their employer wit... 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