Vidhu Bajaj
Personal Finance Writer
Vidhu is a Personal Finance Writer at RateCity. She has been writing about finance topics from car loans and home loans to superannuation and cryptocurrencies for over five years. Before moving into finance, Vidhu went to law school where she studied human rights law. She has a Bachelor of Law degree and has previously worked in asset finance for Clifford Chance for more than four years. During her time at Clifford Chance, she worked in the India, London and Hong Kong offices on everything from aviation to vessel finance. In her spare time you’ll find her reading the Australian Financial Review or spending time with her dog Coco.
253 articles written by Vidhu Bajaj
When do I need an approved deposit super fund account?
An approved deposit super fund account can be used to deposit employment termination benefits after changing or losing your job and held for retirement.
Vidhu Bajaj -
18 Jan, 2023 -
4 min read
What is the super guarantee charge?
The ATO levies the super guarantee charge (SGC) on employers if they fail to pay an employee’s super guarantee on time and to the correct fund.
Vidhu Bajaj -
18 Jan, 2023 -
4 min read
Can you use the equity in your home to set up a business?
You can take out a home equity loan or refinance your mortgage to unlock the equity in your home to set up a home office or a small business.
Vidhu Bajaj -
18 Jan, 2023 -
5 min read
What should you know about renting out a property with a mortgage?
You can rent out a newly purchased property, but consider applying for the mortgage as an investor so that you don’t lose out on tax benefits.
Vidhu Bajaj -
18 Jan, 2023 -
7 min read
Why is it essential to carry out a property title search before purchasing a property?
A property title is a legal document that contains important information about the property you are buying. By checking the property title records, you can find out who owns the property, whether there’s any mortgage secured by it, and more.
Vidhu Bajaj -
17 Jan, 2023 -
5 min read
What you need to know about SMSF compliance
If you have a self-managed super fund (SMSF), you must comply with certain rules. Find out what you need to do to manage your SMSF compliance requirements.
Vidhu Bajaj -
11 Jan, 2023 -
4 min read
What is a biofuel, and is it a good alternative to conventional transport fuels?
Learn about biofuels like E10 and biodiesel and how they can help you contribute to a cleaner environment.
Vidhu Bajaj -
10 Jan, 2023 -
6 min read
How much can I salary sacrifice into my super fund?
When you salary-sacrifice into your super fund you make a concessional contribution taxed at a lower rate, unless you exceed the cap available to you.
Vidhu Bajaj -
10 Jan, 2023 -
3 min read
How does the Protecting Your Super Package impact my super fund account?
The Protecting Your Super reforms help ensure that you don’t lose super benefits paying for insurance premiums and fees, especially if your balance is low.
Vidhu Bajaj -
09 Jan, 2023 -
4 min read
Understanding inheritance tax in Australia
When a loved one passes away, you’ll have multiple financial matters to finalise. While Australia doesn’t charge death duties, there could still be tax liabilities to consider further down the line.
Vidhu Bajaj -
09 Jan, 2023 -
5 min read