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# Curve Wealth

Start Your Financial Journey

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- [Division 296 - what does it mean?](https://curvewealth.com.au/division-296-what-does-it-mean/) - [et_pb_section fb_built=”1″ _builder_version=”4.9.9″ _module_preset=”default” da_disable_devices=”off|off|off” locked=”off” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.9.9″ _module_preset=”default”][et_pb_column type=”4_4″ _builder_version=”4.9.9″ _module_preset=”default”][et_pb_text _builder_version=”4.9.9″ _module_preset=”default” hover_enabled=”0″ sticky_enabled=”0″]With the 2026 Federal Election over, it appears that the Government with the support of the Greens will pass into Law their proposed Division 296 Tax. It is important to note –
- [Active vs Passive Investing – What’s the Difference?](https://curvewealth.com.au/active-vs-passive-investing-whats-the-difference/) - [et_pb_section fb_built=”1″ _builder_version=”4.9.9″ _module_preset=”default” da_disable_devices=”off|off|off” locked=”off” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.9.9″ _module_preset=”default”][et_pb_column type=”4_4″ _builder_version=”4.9.9″ _module_preset=”default”][et_pb_text _builder_version=”4.9.9″ _module_preset=”default”]Active InvestingThis is like being hands-on with your money. You (or a fund manager) try to beat the market by picking specific stocks, timing buys and sells, and shifting strategies based on research or
- [Getting Financial Advice from your Industry Fund](https://curvewealth.com.au/getting-financial-advice-from-your-industry-fund/) - [et_pb_section fb_built=”1″ _builder_version=”4.9.9″ _module_preset=”default” da_disable_devices=”off|off|off” locked=”off” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.9.9″ _module_preset=”default”][et_pb_column type=”4_4″ _builder_version=”4.9.9″ _module_preset=”default”][et_pb_text _builder_version=”4.9.9″ _module_preset=”default”]Almost 11 million Australians are members of an Industry Fund. Industry funds have proven to be consistent performers in delivering returns over the long term. As Industry Funds have merged and grown larger, their
- [Having a financial plan in place is important for a bunch of practical reasons. Here's why it matters](https://curvewealth.com.au/having-a-financial-plan-in-place-is-important-for-a-bunch-of-practical-reasons-heres-why-it-matters/) - [et_pb_section fb_built=”1″ _builder_version=”4.9.9″ _module_preset=”default” da_disable_devices=”off|off|off” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.9.9″ _module_preset=”default”][et_pb_column type=”4_4″ _builder_version=”4.9.9″ _module_preset=”default”][et_pb_text _builder_version=”4.9.9″ _module_preset=”default” hover_enabled=”0″ sticky_enabled=”0″]1. Gives You Control Over Your Money A financial plan helps you understand where your money is going, so you’re not just reacting to bills or expenses. Instead, you’re telling your money what
- [How to deal with Volatile Investment Markets as an Investor](https://curvewealth.com.au/how-to-deal-with-volatile-investment-markets-as-an-investor/) - [et_pb_section fb_built=”1″ _builder_version=”4.9.9″ _module_preset=”default” da_disable_devices=”off|off|off” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.9.9″ _module_preset=”default”][et_pb_column type=”4_4″ _builder_version=”4.9.9″ _module_preset=”default”][et_pb_text _builder_version=”4.9.9″ _module_preset=”default” hover_enabled=”0″ sticky_enabled=”0″]There has been a non-stop barrage of news and noise since Donald Trump returned to office on many issues, some impacting markets negatively more than others. What is becoming very clear now, just
- [How do you get started with Curve Wealth and putting a plan in place to manage your Wealth or Retirement savings?](https://curvewealth.com.au/how-do-you-get-started-with-curve-wealth-and-putting-a-plan-in-place-to-manage-your-wealth-or-retirement-savings/) - [et_pb_section fb_built=”1″ _builder_version=”4.9.9″ _module_preset=”default” da_disable_devices=”off|off|off” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.9.9″ _module_preset=”default”][et_pb_column type=”4_4″ _builder_version=”4.9.9″ _module_preset=”default”][et_pb_text _builder_version=”4.9.9″ _module_preset=”default” hover_enabled=”0″ sticky_enabled=”0″]It all starts with a conversation about you and how you see your future – we call it a “Financial Roadmap Meeting” This can be done via video meeting or in person if
- [How will World Markets react to second Trump Presidency?](https://curvewealth.com.au/how-will-world-markets-react-to-second-trump-presidency/) - [et_pb_section fb_built=”1″ _builder_version=”4.9.9″ _module_preset=”default” da_disable_devices=”off|off|off” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.9.9″ _module_preset=”default”][et_pb_column type=”4_4″ _builder_version=”4.9.9″ _module_preset=”default”][et_pb_text _builder_version=”4.9.9″ _module_preset=”default”]There is a lot of noise currently around what impact Donald Trump returning to the White House might have on Markets around the world. There are many views and opinions on offer, and inevitability some
- [Intergenerational Wealth Transfer Case Study of Curve Clients who recently met with us](https://curvewealth.com.au/intergenerational-wealth-transfer-case-study-of-curve-clients-who-recently-met-with-us/) - [et_pb_section fb_built=”1″ _builder_version=”4.9.9″ _module_preset=”default” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on” da_disable_devices=”off|off|off”][et_pb_row _builder_version=”4.9.9″ _module_preset=”default”][et_pb_column _builder_version=”4.9.9″ _module_preset=”default” type=”4_4″][et_pb_text _builder_version=”4.9.9″ _module_preset=”default” hover_enabled=”0″ sticky_enabled=”0″]Mary and Bob have worked hard all their lives. They have been successful in their chosen careers and, after raising their three children, they are now winding back their working hours and looking
- [Georgia wants to Retire](https://curvewealth.com.au/georgia-wants-to-retire/) - [et_pb_section fb_built=”1″ _builder_version=”4.9.9″ _module_preset=”default” da_disable_devices=”off|off|off” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.9.9″ _module_preset=”default”][et_pb_column type=”4_4″ _builder_version=”4.9.9″ _module_preset=”default”][et_pb_text _builder_version=”4.9.9″ _module_preset=”default”]Georgia is a GP contracting in a suburban practice. She is single, aged 63 and came to see Curve Wealth as she is hoping to retire in the next 12 months.Georgia has a SMSF which
- [An update on the $3m Superannuation Cap](https://curvewealth.com.au/an-update-on-the-3m-superannuation-cap/) - [et_pb_section fb_built=”1″ _builder_version=”4.9.9″ _module_preset=”default” da_disable_devices=”off|off|off” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.9.9″ _module_preset=”default”][et_pb_column type=”4_4″ _builder_version=”4.9.9″ _module_preset=”default”][et_pb_text _builder_version=”4.9.9″ _module_preset=”default” hover_enabled=”0″ sticky_enabled=”0″]The Australian government’s $3 million superannuation cap is a measure designed to limit the amount of money individuals can accumulate in their superannuation accounts without facing additional taxes. Here’s a summary of the
- [Welcome to Curve Wealth, Your Partner in Financial Empowerment](https://curvewealth.com.au/welcome-to-curve-wealth-your-partner-in-financial-empowerment/) - [et_pb_section fb_built=”1″ _builder_version=”4.9.9″ _module_preset=”default” da_disable_devices=”off|off|off” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.9.9″ _module_preset=”default”][et_pb_column type=”4_4″ _builder_version=”4.9.9″ _module_preset=”default”][et_pb_text _builder_version=”4.9.9″ _module_preset=”default”]At Curve Wealth, we believe that everyone deserves a path to financial clarity and success. Whether you are just starting out, planning for the future, or navigating a complex financial landscape, we are here to
- [SMSFs - What You Should Know](https://curvewealth.com.au/smsfs-what-you-should-know/) - [et_pb_section fb_built=”1″ _builder_version=”4.9.9″ _module_preset=”default” da_disable_devices=”off|off|off” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.9.9″ _module_preset=”default”][et_pb_column type=”4_4″ _builder_version=”4.9.9″ _module_preset=”default”][et_pb_text _builder_version=”4.9.9″ _module_preset=”default”]What you should consider when thinking about a Self-Managed Superannuation Fund. It offers greater control and flexibility but also comes with its own set of challenges. Here are some pros and cons of SMSFs: Pros
- [BENEFITS OF AN INVESTMENT PLAN TO AVOID BEHAVIOURAL TRAPS](https://curvewealth.com.au/benefits-of-an-investment-plan-to-avoid-behavioural-traps/) - [et_pb_section fb_built=”1″ _builder_version=”4.9.4″ _module_preset=”default” da_disable_devices=”off|off|off” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.9.4″ _module_preset=”default”][et_pb_column type=”4_4″ _builder_version=”4.9.4″ _module_preset=”default”][et_pb_text _builder_version=”4.9.9″ _module_preset=”default” header_3_font=”|||on|||||” header_3_text_color=”#87005B” header_3_letter_spacing=”2px” header_3_line_height=”1.3em” locked=”off”]Investors often exhibit irrational behaviours that can impact badly on investment outcomes. These behaviours can arise due to a variety of factors including: Emotional influences – such as fear, greed
- [What If I Cannot Reach My Retirement Savings Goal](https://curvewealth.com.au/what-if-i-cannot-reach-my-retirement-savings-goal/) - [et_pb_section fb_built=”1″ _builder_version=”4.9.4″ _module_preset=”default” da_disable_devices=”off|off|off” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.9.4″ _module_preset=”default”][et_pb_column type=”4_4″ _builder_version=”4.9.4″ _module_preset=”default”][et_pb_text _builder_version=”4.9.4″ _module_preset=”default” header_3_font=”|||on|||||” header_3_text_color=”#87005B” header_3_letter_spacing=”2px” header_3_line_height=”1.3em” hover_enabled=”0″ locked=”off” sticky_enabled=”0″]Often when people work with an adviser to find out how much they need to fund their retirement, they work out that they may not be able to
- [How Much Do I Need To Retire On?](https://curvewealth.com.au/how-much-do-i-need-to-retire-on/) - [et_pb_section fb_built=”1″ _builder_version=”4.9.4″ _module_preset=”default” da_disable_devices=”off|off|off” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.9.4″ _module_preset=”default”][et_pb_column type=”4_4″ _builder_version=”4.9.4″ _module_preset=”default”][et_pb_text _builder_version=”4.9.4″ _module_preset=”default” header_3_font=”|||on|||||” header_3_text_color=”#87005B” header_3_letter_spacing=”2px” header_3_line_height=”1.3em” hover_enabled=”0″ locked=”off” sticky_enabled=”0″]From a financial point of view, the most important question to ask when planning for retirement is “how much money do I need to retire on”. Here are

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- [Contact](https://curvewealth.com.au/contact/) - [et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.9.4″ _module_preset=”default” background_enable_image=”off” da_disable_devices=”off|off|off” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_fullwidth_slider _builder_version=”4.9.4″ _module_preset=”default” custom_padding=”130px||130px||true|false” custom_padding_tablet=”” custom_padding_phone=”130px||130px||true|false” custom_padding_last_edited=”on|phone” background__hover_enabled=”off|desktop”][et_pb_slide _builder_version=”4.9.4″ _module_preset=”default” body_font=”|||on|||||” body_font_size=”45px” body_letter_spacing=”3px” body_line_height=”1.4em” background_enable_color=”off” background_image=”https://curvewealth.com.au/wp-content/uploads/2021/05/contact-us-banner.jpg” background_enable_image=”on” custom_button=”on” button_text_color=”#FFFFFF” body_font_size_tablet=”32px” body_font_size_phone=”20px” body_font_size_last_edited=”on|phone” sticky_transition=”on”]Contact US[/et_pb_slide][/et_pb_fullwidth_slider][/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.9.4″ _module_preset=”default” da_disable_devices=”off|off|off” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”2_3,1_3″ _builder_version=”4.9.4″ _module_preset=”default”][et_pb_column
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- [Testimonials](https://curvewealth.com.au/testominials/) - [et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.9.4″ _module_preset=”default” background_enable_image=”off” da_disable_devices=”off|off|off” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_fullwidth_slider _builder_version=”4.9.4″ _module_preset=”default” custom_padding=”180px||180px||false|false” custom_padding_tablet=”” custom_padding_phone=”130px||130px||true|false” custom_padding_last_edited=”on|phone” background__hover_enabled=”off|desktop”][et_pb_slide _builder_version=”4.9.4″ _module_preset=”default” body_font=”|||on|||||” body_font_size=”45px” body_letter_spacing=”3px” body_line_height=”1.4em” background_enable_color=”off” background_image=”https://curvewealth.com.au/wp-content/uploads/2021/06/Testimonials-Banner-1.jpg” background_enable_image=”on” custom_button=”on” button_text_color=”#FFFFFF” body_font_size_tablet=”32px” body_font_size_phone=”20px” body_font_size_last_edited=”on|phone” sticky_transition=”on”]TESTIMONIALS[/et_pb_slide][/et_pb_fullwidth_slider][/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.9.4″ _module_preset=”default” da_disable_devices=”off|off|off” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” gutter_width=”2″ make_equal=”on”
- [Thank You](https://curvewealth.com.au/thank-you/) - [et_pb_section fb_built=”1″ fullwidth=”on” disabled_on=”on|off|off” _builder_version=”4.9.4″ _module_preset=”default” background_enable_image=”off” da_disable_devices=”off|off|off” locked=”off” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_fullwidth_slider _builder_version=”4.9.4″ _module_preset=”default” custom_padding=”90px||90px||true|false”][et_pb_slide _builder_version=”4.9.4″ _module_preset=”default” body_font=”|||on|||||” body_font_size=”45px” body_letter_spacing=”3px” body_line_height=”1.4em” background_enable_color=”off” background_image=”https://curvewealth.com.au/wp-content/uploads/2021/05/home-banner.jpg” background_enable_image=”on” parallax=”on” custom_button=”on” button_text_color=”#FFFFFF” body_font_size_tablet=”32px” body_font_size_phone=”20px” body_font_size_last_edited=”on|phone” sticky_transition=”on”][/et_pb_slide][/et_pb_fullwidth_slider][/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.9.4″ _module_preset=”default” custom_padding=”120px||120px||true|” da_disable_devices=”off|off|off” locked=”off” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.9.4″ _module_preset=”default”
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## Categories

- [Uncategorized](https://curvewealth.com.au/category/uncategorized/)
- [Blog](https://curvewealth.com.au/category/blog/)