Page 9 - FWP Wealth Adviser Issue 109

ISSUE 108
MARCH 2025

In addition, changes to HELP debt repayment thresholds • Housing support schemes create new pathways into
aim to provide young Australians with greater financial flexi- homeownership but require careful consideration of
bility early in their careers. Under new rules effective July eligibility criteria and shared equity implications.
2025, graduates earning below $60,000 annually will no • Healthcare reforms reduce immediate out-of-pocket ex-
longer be required to make compulsory repayments—a move penses while addressing systemic inequities in access.
designed to alleviate financial stress among younger cohorts
struggling with high living costs. Ultimately, navigating these opportunities requires a
While these initiatives offer immediate benefits for many proactive approach informed by both expert advice and
Australians, they also highlight ongoing structural challeng- personal financial goals. By staying informed about policy
es facing Australia’s economy—including persistent deficits changes and adapting strategies accordingly, Australians can
projected over the next decade due largely to increased position themselves not only to weather current challenges
spending on social services. but also build lasting financial security.

Conclusion: Navigating Financial
6Opportunities Amid Change References
The 2025-26 Federal Budget represents a mix of short- 1. AMP Insights Hub: 2025-26 Federal Budget Round-Up
term relief measures and long-term structural adjustments 2. AMP Insights Hub: Economic Implications of Federal Budget 2025-26
aimed at fostering economic resilience during uncertain 3. NAB Business Insights: 2025 Federal Budget – What It Means for
times. For individuals seeking to maximise their wealth Individuals
amid these changes: 4. Deloitte Australia: Federal Budget Analysis
• Tax reforms provide an opportunity to boost disposable 5. Reserve Bank of Australia Reports.
income—ideal for reducing debt or growing investments. 6. Australian Bureau of Statistics – Housing Market Trends.

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