Smart Financial Insights | The Adviser Monthly

THE ADVISER MONTHLY | June 2025

VOLUME V. ISSUE 6

Welcome to the June Edition of The Adviser Monthly!

We hope you had a refreshing long weekend and you are stepping into June with renewed energy. With the end of the financial year fast approaching, now’s the time to take stock, wrap up any loose ends, and make smart moves to position yourself for success in FY26.

This month, we’ve curated a powerful mix of insights—from key superannuation changes taking effect from 1 July, to practical EOFY checklists for property investors and employees alike. We’re also zooming out to look at the bigger picture, including updates on the housing market, economic performance, and a fresh take on why financial wellness is just as important as financial success.

Whether you’re maximising contributions, refining your tax strategy, or simply staying informed, this edition is here to help you finish FY25 strong—and step into the new financial year with clarity and confidence.

At Make Work Optional, we’re committed to helping you navigate the EOFY season with peace of mind and practical support.

Explore this month’s articles below and take the next step toward a smarter financial future.

SUPERANNUATION CHANGES FROM 1 JULY 2025: WHAT YOU NEED TO KNOW

Significant updates to Australia’s superannuation system are set to take effect from 1 July 2025. These include an increase in the Superannuation Guarantee (SG) rate to 12%, a rise in the Transfer Balance Cap from $1.9 million to $2 million, and the introduction of the Division 296 tax on super balances exceeding $3 million. Understanding these changes is crucial for effective retirement planning and ensuring compliance with the latest regulations.

HOUSING VALUES CONTINUE TO RISE AS GROWTH TRENDS CONVERGE ACROSS THE CAPITAL CITIES

In May 2025, Australian dwelling values increased by 0.5%, marking a 1.7% rise over the first five months of the year. This growth was broad-based, with every capital city posting a rise of at least 0.4% during the month. The momentum is attributed to recent interest rate cuts and the anticipation of further reductions, bolstering buyer confidence. Notably, the growth trends across capital cities are converging, indicating a more synchronised national housing market. This positive trajectory suggests continued opportunities for homeowners and investors alike.

UNDERSTANDING THE TAX-FREE THRESHOLD: MAXIMISE YOUR TAKE-HOME PAY

Navigating the tax-free threshold is essential for optimising your income. In Australia, the first $18,200 of your annual income is tax-free. Choosing to claim this threshold can significantly reduce the amount of tax withheld from your pay. However, if you have multiple jobs or income sources, it’s crucial to understand how to apply this threshold correctly to avoid unexpected tax bills. This article provides clear insights into the implications of claiming or not claiming the tax-free threshold, helping you make informed decisions to maximise your take-home pay.

EOFY CHECKLIST FOR PROPERTY INVESTORS: MAXIMISE YOUR RETURNS AND STAY COMPLIANT

As the end of the financial year approaches, it’s crucial for property investors to ensure their tax affairs are in order. This comprehensive checklist provides essential tips to help you declare the correct rental income and maximise your claims, especially in today’s high-interest rate environment. Learn what income to declare, such as rental income and insurance payouts, and explore claimable expenses like mortgage interest, management costs, maintenance, and more. By proactively addressing these areas, you can enhance your financial position and reduce potential tax liabilities.

FINANCIAL SUCCESS VS. FINANCIAL WELLNESS: WHY THE DIFFERENCE MATTERS THIS EOFY

As the end of the financial year approaches, it’s an opportune moment to reflect not just on your financial achievements but also on your overall financial well-being. This insightful article delves into the distinction between financial success and financial wellness, highlighting that a high income or substantial net worth doesn’t always equate to financial satisfaction. It explores common pitfalls such as lifestyle inflation and the stress associated with managing newfound wealth, emphasising the importance of aligning financial habits with personal values and goals.

ECONOMIC GROWTH SLOWS – BUT THERE’S STILL GOOD NEWS FOR YOUR FINANCIAL PLANNING

With Labor’s re-election and a strengthened majority, Australia’s economic landscape is poised for continuity in key policies. Dr. Shane Oliver, AMP’s Head of Investment Strategy and Chief Economist, delves into the government’s primary challenges: enhancing productivity to elevate living standards, addressing housing affordability, and managing the national budget amidst global trade uncertainties. This article offers valuable insights for investors and individuals aiming to understand the potential economic shifts and their implications.

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