Uncategorised Archives - Raiz Invest

End of financial year (EOFY)  isn’t just about tax returns and paperwork.

It’s one of the few times each year when people naturally stop and think about their money. Where it’s going, what’s working, and what they’d like to do differently next year.

The good news? You don’t need a complete financial overhaul.

A few simple money moves before 30 June could help you head into FY27 feeling more organised, more confident, and more in control.

Here are seven worth considering.

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Australian shares delivered a strong performance this week, with the ASX 200 rising 2.1%. Investors were encouraged by growing speculation that the RBA may be nearing the end of its tightening cycle, helping the local market shrug off weakness in US markets earlier in the week. Gains were broad-based, with consumer, property, healthcare and industrial stocks leading the way. Despite the rebound, Australian shares remain relative underperformers this year as investors continue to navigate sticky inflation and the impact of recent Federal Budget tax changes. 

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If you’ve spent any time reading investing news, you’ve probably seen the terms bull market and bear market thrown around.

Markets are bullish. Markets are bearish. A bull run is underway. A bear market is looming.

But what do these terms actually mean, and why do investors pay so much attention to them?

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Australian shares fell 1.2% this week, underperforming global markets as concerns around interest rates and the Federal Budget weighed on sentiment. Investors continued to assess proposed tax changes, while inflation concerns were amplified after the Fair Work Commission announced a 6% increase to the minimum wage, above industry expectations. The decision has raised questions about whether inflation could prove more persistent, keeping pressure on the RBA to remain vigilant.

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Some weeks markets are up. Other weeks they’re down. That’s a normal part of investing.

But when markets move around, it can leave investors wondering: Should I wait? Should I invest now? What if the market drops tomorrow?

That’s where dollar cost averaging comes in.

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Australian shares edged higher this week, with the ASX 200 up 0.9%. Sentiment was supported by reports of a tentative deal to help secure shipping through the Strait of Hormuz, easing some concerns around global energy supply. Locally, inflation trends also showed signs of improvement, with a greater proportion of CPI components recording more moderate price increases. While markets remain sensitive to geopolitical developments, investors are increasingly hopeful that cooling inflation could provide greater flexibility for monetary policy in the months ahead.

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Big changes are coming to how super gets paid in Australia, and if you’ve got a job, it’s worth knowing what’s changing.

The Australian Government is introducing “Payday Super”, which means employers will need to pay super at the same time as your salary and wages, instead of only paying it quarterly. The change is expected to start from 1 July 2026.

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Australian markets continued to show resilience this week, with the ASX 200 edging 0.3% higher as improving global sentiment and strong corporate activity supported investor confidence. Several major capital raisings highlighted ongoing momentum across the local market, including Arafura Rare Earths securing A$350 million to advance the Nolans Project and Electro Optic Systems raising A$150 million to support future growth initiatives. New listing SkinKandy also delivered a strong market debut, finishing its first week above its IPO price, reflecting healthy investor appetite for new opportunities. 

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Australian shares moved lower this week, with the ASX 200 falling 1.3% following the release of the Federal Budget. Investor sentiment was weighed down by proposed changes to negative gearing and capital gains tax rules, which are designed to encourage investment into new housing and startups rather than established properties. Bank stocks came under pressure as markets assessed the potential impact of the reforms.

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