We’d also like to highlight our February 2026 Market Updates, unpacking the latest movements across the Australian economy and global markets. With unemployment shifting, inflation pressures building, and geopolitical tensions influencing investor sentiment, it’s an important time to stay informed.
In this issue, we explore the cash-out recontribution strategy and how it may potentially reduce the tax burden on your beneficiaries. In light of this, we are also excited to announce our upcoming Super and Retirement Seminar on March 26th. Whether you are planning for retirement or looking to better understand your superannuation, this session is designed to provide practical insights to help bring your financial vision to life.
Finally, we wrap up with an overview of our February social media posts. From quick tips to timely updates, we invite you to stay connected with us across our platforms for more regular insights throughout the month.
Spotlight on Matt Goddard – Associate at Avondale Wealth
As many of you know, Matt is an associate at Avondale Wealth, joining us at the beginning of 2024. Matt currently works in the administration and client services side of the business, assisting in the review and implementation of advice for our clients as well as being the first point of contact for clients with any general enquiries. Matt aspires to one-day become an Adviser with Avondale Wealth.
Prior to joining Avondale Wealth in 2024, Matt has had previous experience working in numerous client-facing roles. Matt has a Bachelor of Commerce (Majoring in International Business) at Macquarie University, and has recently completed a Diploma in Financial Planning.
In his spare time, Matt enjoys Stand-up Paddleboarding, working out and travelling, recently returning from a three-week trip across the Middle East.
Market movements and review – February 2026
2026 kicked off with some encouraging signs but comes with a sting in the tail as global uncertainty continues to shake things up.
There was a surprise drop in unemployment to 4.1%, the number of jobs available increased, and household spending grew.
These elements have also contributed to persistently increasing inflation with the RBA announcing an increased cash rate of 3.85% earlier this month.
The S&P/ASX 200 climbed 1.8% in January, but there’s still ground to be made up to reach last October’s peak.
Global markets showed volatility due to geopolitical threats including the Trump administration’s rhetoric and actions on Iran, Venezuela and Greenland.
Super and Retirement Seminar – 26th March 2026
How cash-out recontribution works
A cash‑out recontribution strategy can be a powerful way to reshape the tax components inside your superannuation. By withdrawing a lump sum and recontributing it as a non‑concessional contribution, you can increase the proportion of your balance that sits in the tax‑free component.
For those thinking about how their super will be passed on, this can significantly reduce the potential tax paid by beneficiaries. The example provided shows how a strategic recontribution can shift the balance from 20% tax‑free to 52% tax‑free, potentially saving $33, 660 on estate tax. It’s a great reminder that thoughtful planning today can make a meaningful difference to your family’s future.
Disclaimer: This information is general and does not take into account your specific situation. Before acting on any information, consider whether it is appropriate for your circumstances and seek personalised financial advice.
Super and Retirement Seminar
If you’d like to learn more about strategies like this, and how they might apply to your own retirement planning, we’d love to see you at our upcoming Super & Retirement Seminar on Thursday, 26th of March. It’s a practical session designed to give you clarity, confidence, and the knowledge to make informed decisions about your financial future.
This seminar is open to anyone who is interested in super and retirement planning, and you’re welcome to bring along a friend or family member. We’ll be sharing more details shortly, but this session runs exclusively on the 26th of March so be sure to save the date.
