Disclaimer

This page is maintained by Southern Alpha. It is published in plain language but is the operative disclaimer for all content on this site.

General information only

Southern Alpha publishes general information and educational content about money, investing, tax, property and superannuation. We do not hold an Australian Financial Services Licence (AFSL) and we do not provide personal financial product advice.

Nothing on this site — articles, newsletters, calculators, social posts or replies — constitutes personal financial, tax, legal, investment or credit advice. It has been prepared without taking into account your objectives, financial situation or needs.

Before you act

Before acting on any information from Southern Alpha you should consider its appropriateness for your circumstances and, where relevant, obtain advice from a licensed financial adviser, tax agent or credit provider. For information about specific financial products, read the relevant Product Disclosure Statement (PDS) and Target Market Determination.

Calculators

Our calculators use simplified models and current published rates (e.g. ATO tax tables, ASIC assumptions, super guarantee rate). They are educational illustrations only. Real-world outcomes will differ based on offsets, fees, individual circumstances and future rate changes.

Past performance

Past performance of any market, asset class, fund or strategy is not a reliable indicator of future performance.

Affiliate disclosure

Some links on this site may be affiliate links. Where they are, we'll label them and only ever recommend products we'd use ourselves. Affiliate fees never change our editorial position.

No liability

To the maximum extent permitted by law, Southern Alpha and its contributors accept no responsibility for any loss arising from reliance on the information on this site. See our terms of use.