Shares, Managed Funds vs Super — What’s the Real Difference?

Are shares, managed funds and superannuation really that different?

In this episode of Flourish Financial Education, we explain how super often invests in the same underlying assets as investments held outside super — and why the key differences usually come down to tax and access.

We discuss:

• How shares and managed funds work inside and outside super

• Why super can be tax-effective for long-term goals

• When flexibility outside super may matter more

• How both can form part of a balanced strategy

General financial education only. This episode does not constitute personal or financial advice.

In this episode of Flourish Financial Education, we discuss how parents can help young adults build simple, practicalmoney habits from the very beginning.

We explore a clear ‘money buckets’ approach, covering investing for the future, paying bills, building emergencybuffers, planning for fun, and enjoying guilt-free spending.

This episode is general financial education only and does not constitute personal financial advice.

Residential property is often promoted as a guaranteed path to wealth — but how does it really work?
In this episode of Flourish Financial Education, we explore how residential property investing works from a cash-flow, tax, and long-term wealth creation perspective.

We discuss rental income, expenses, negative and positive gearing, capital growth, and the risks involved — and explain how property can form part of a balanced long-term strategy.
General financial education only. This episode does not constitute personal or financial advice.

Traditional financial resolutions often sound good — but don’t last.

In this episode of Flourish Financial Education, we take a calmer, more sustainable approach to financial resolutions.

We focus on clarity, systems, and habits that support better financial decisions throughout the year.

General financial education only. This episode does not constitute personal or financial advice.

Why do so many people struggle to build long-term wealth — even when they earn a decent income?

In this episode of Flourish Financial Education, we explore the five biggest barriers that commonly hold people back from becoming wealthy. These aren’t technical or complex issues — they’re behavioural patterns that quietly work against financial progress over time.

We discuss:

• Lifestyle inflation and why higher income doesn’t always lead to wealth

• The cost of drifting without clear financial goals

• Fear of investing and the risk of staying in cash

• How high-interest debt erodes financial freedom

• Why waiting “until later” can be one of the biggest mistakes of all

This episode is designed to build awareness, encourage better money habits, and help you think more clearly about the choices that shape your financial future.

General financial education only. This episode does not constitute personal or financial advice.

In this episode of Flourish Financial Education, we unpack Exchange Traded Funds — or ETFs — one of Australia’s mostpopular investment tools.

Learn what ETFs are, how they work, the different types, their tax implications, and their pros and cons.

Whether you’re new to investing or managing your own SMSF, this episode will help you understand how ETFs can fit into a long-term strategy.
General education only – not financial advice.

In this episode of Flourish Financial Education, we explore the key financial habits, investment strategies, and mindset shifts young adults can adopt to setthemselves up for financial freedom by midlife.

From building strong money habits and using super effectively to managing credit and investing early —this is your roadmap to living freely by your 50s.
General education only – not financial advice.

In this episode of Flourish Financial Education, we explore one of the most common questions we’re asked: How do you choose the right financial planner?

We’ll discuss what to look for, how to check licences and qualifications, how fees work, and how to find someone who fits your goals and values.

This episode helps you feel confident and informed before you engage a professional adviser.

General information only — not financial advice.

In this episode of Flourish Financial Education, we explore the key financial priorities for people in their thirties -from managing cash flow and building wealth, to reducing debt, protecting your income, and planning for the future.

In this episode of Flourish Financial Education, we walk through the complete journey of buying a home — from saving for your deposit and organising finance, to finding the right property, negotiating the purchase, and finally reaching settlement.

Perfect for first-home buyers and anyone wanting to better understand the process.

General education only — not financial advice.