Provision for retirement is an issue that affects all of us, but on balance the female half of the population has more to worry about than the other.

As a horse lover and a keen student of horse racing, as well as a believer in a strong financial system – it has been a tough year.

Open Banking empowers consumers to request their financial data is made available to accredited third parties such as utility providers, fintechs or other banks, leading to more transparent decision making.

What was lost in much of the election discussion around the removal of the refund of franking credits for individuals and superannuation funds, was the tax policy issue that is trying to be addressed.

Given all the coverage of the Royal Commission’s criticisms of the financial services sector, you might be forgiven for thinking the superannuation sector is in a bad way. Far from it.

On Day 2 of the Championships at Royal Randwick, the highlight of the Autumn Racing Carnival, will see the final race of Australia’s champion racehorse, Winx.

The centrepiece of the Budget is the personal tax cuts – and it is welcome, given sluggish wage growth to see action for both lower and middle earners.

In recent months there has been a lot of commentary – and regulatory exhortation – in the superannuation sector suggesting that a wave of fund mergers is imminent.

The proposed changes now appear to strike a more reasonable balance for the industry.