Something that has an attributed worth and has the capacity to generate revenue.


Short for Australian Securities Exchange. A marketplace facilitating exchanges across a range of asset classes, including listing, trading, clearing and settlement.


Australian Taxation Office

Australian Securities and Investments Commission (ASIC)

The Federal Government body responsible for administering and enforcing the Corporations Act and laws to protect consumers in the areas of superannuation, investments, insurance and banking.


A plan that aims to project and provide limits to expenditure (based on incomings and known outgoings) during a specific period of time. In the context of an individual, a budget would take a person’s income and allocate it according to needs such as bills, spending/living expenses and savings, over an income period.

Capital gains tax (CGT)

A tax on the profits made from the purchase or sale of certain assets.

Capital growth

The increase in value seen in an asset or investment. Calculated by determining the difference between the current value versus the original purchase price, where the result is a positive number.


All money coming in and out of an account by way of income and expenses.

Compound interest

Interest paid on both the original principal invested and any accumulated interest on money invested or borrowed.

Concessional contributions

Superannuation contributions made from before-tax income for which a tax deduction can be claimed. They are also referred to as deductible contributions. Concessional contributions include employer Superannuation Guarantee (SG) contributions, additional employer contributions (salary sacrifice) and contributions made by the self-employed for which they claim a tax deduction.


A debt is money that is owed. Another name for a debt is a liability. Source: anz.com

Debt consolidation

When multiple loans are combined into a single loan with the intention of lowering repayments.


The amount a company pays out to its shareholders from its after tax earnings. For individual shareholders, the payout is in proportion to the number of shares held. When company profits are down, the company may decide to pay a reduced dividend, or no dividend at all.

Estate planning

The process of arranging the management of a person’s assets and liabilities during a person’s life and after death with the intention of minimising tax implications.

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