Burnout & mental health in a post-pandemic workplace.

Thanks to COVID 19, the rapid shift to remote work came with plenty of growing pains. Many people had to master new technologies almost overnight, juggle blurred boundaries between home and work life, and adapt to changing roles and expectations. For others, job losses and altered working conditions added another layer of stress. No matter the circumstance, it’s safe to say the past few years have left their mark on everyone’s well-being. 

 

The rise of workplace burnout. 

The World Health Organization defines burnout as a condition caused by prolonged workplace stress, leading to exhaustion, reduced motivation, and a decline in professional performance. Unfortunately, it’s now become a shared experience for many.

 

Recent surveys reveal that around three in four employees have experienced burnout, with nearly half saying it happened during the pandemic. Extended or blurred work hours, uncertainty, and constant digital connection have only made things worse. 


What’s even more concerning is that many employees don’t feel supported. Only about one in five workers say they’ve had open conversations with HR about their stress or mental health, while over half report that their workplace doesn’t encourage such discussions. 

 

Mental health takes a hit. 

Before the pandemic, only a small percentage of workers reported poor mental health. Now, those numbers have more than tripled. Financial pressure, changing job expectations, and the general uncertainty of the world have all contributed to rising stress levels. 


The top causes of stress remain familiar: 

  • Health concerns for themselves and their families. 
  • Financial insecurity. 
  • Current events and global instability. 
  • Heavy workloads and job uncertainty. 

 

How employers & workplaces can make a difference. 

Work and mental health are deeply connected. Around 76% of employees say workplace stress directly impacts their mental health, often leading to anxiety or depression. However, there are clear steps employers can take to create a healthier environment. 


Flexible scheduling is at the top of the list. More than half of surveyed employees said having greater flexibility would significantly improve their wellbeing. Other popular measures include: 


  • Encouraging regular time off or “mental health days”. 
  • Offering access to wellness programs like meditation, nutrition, or yoga sessions. 
  • Hosting webinars that open up the conversation around mental health. 
  • Offering flexible work arrangements such as not a strict 9am – 5pm—especially for employees with families. 

 

Practical tips to avoid burnout. 

While businesses play a crucial role, individuals can also take steps to protect their mental health and avoid burnout—whether working remotely or back in the office. 


  1. Set boundaries: Have a clear start and finish to your workday, and create a dedicated workspace you can physically leave behind. This is also true for remote work. 
  2. Switch off after hours: Mute work emails and notifications once you clock off. Your downtime is important and valuable. 
  3. Prioritise personal time: Schedule hobbies and social activities that help you recharge. 
  4. Negotiate flexibility: If possible, discuss flexible work arrangements that suit both your lifestyle and productivity. 
  5. Stay focused during work hours: Avoid multitasking between work and home duties. Staying efficient during the day makes it easier to log off completely at night. 

 

Make mental health initiative a part of your business plan & budget. 

Investing in your team’s mental health and sustainable growth isn’t just the right thing to do—it’s a smart business decision. By building dedicated support and wellbeing initiatives into your annual budget, you’re proactively creating the conditions for higher productivity, improved retention and reduced downtime.

 

At Ascent Accountants, we help you build those strategies into your financial plan with tailored budgeting, forecasting and KPI-tracking to support both your people and your bottom line.

 

Let’s partner up to turn your growth ambitions into real outcomes. Check out our Business Growth Services and see how we can help you embed the investment in wellbeing right alongside profit and performance. Then, when you’re ready, contact us


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May 14, 2026
One of the most powerful decisions you can make with your superannuation is whether to run your own self-managed super fund (SMSF) and whether to invest in property through it. Most people know it's possible to use super to buy property. Far fewer know how to do it well. The following seven tips are designed to help you make the right decisions. 1. You Can Borrow Money to Purchase Property in Superannuation. Don't have enough in your SMSF to buy an investment property outright? Since 2008, superannuation held in a self-managed super fund can be used to borrow money for property purchase. This is done through a 'limited recourse loan' using a Bare Trust as the Custodian entity. You can't borrow the total value of the property—typically it's up to 80% for residential properties and 60% for commercial properties, with the required deposit held in the SMSF as security. The SMSF then makes the loan repayments, with rental income received by the fund and property expenses paid by the fund. 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There are eight core steps to SMSF set up: Select the appropriate structure and name Sign the trust deed that covers how your SMSF is set up and run (it can have up to four members) Establish a trust for the SMSF by investing assets into the fund Register your SMSF with the ATO Set up a separate bank account for your fund Submit your tax file number (and those of any other trustees) Obtain an electronic service address to receive employer contributions into your fund (if applicable) Roll over funds from your existing superannuation account into your SMSF 3. Keep a Liquidity Buffer If you're buying property through superannuation, make sure you plan to keep a liquidity buffer of cash and/or shares in your fund. Lenders will check for this before lending to you—it should be at least 10% of the value you intend to borrow. But beyond satisfying the bank, it's simply good risk management. Property is an illiquid asset. Having accessible funds in the SMSF means you're not caught short if repairs are needed, the property sits vacant, or an unexpected expense arises. Because superannuation is central to most Australians' retirement security, the government has carefully regulated what can and can't be done with it. They don't want people gambling their retirement away on poor investments or incorrectly using their superannuation fund. 4. Use the Rental Income to Repay Your Loan You cannot live in the property you purchase through your SMSF until after retirement. Most people purchase an investment property and use the rental income generated to repay the loan—which makes excellent financial sense. The key is selecting a property that rents easily and delivers a strong rental return. Your purchasing criteria may look a little different to buying a home you'd live in yourself. For example, proximity to public transport, local amenities, and average rental rates in the area matter more than personal preference. 5. Get It Right and Enjoy Significant Tax Efficiencies One of the most compelling reasons to invest in property through superannuation is the tax efficiency on offer. These benefits can significantly improve the long-term return of a property investment compared to holding it in your own name. Key tax benefits include: No capital gains tax or tax no yearly investment earnings if under super caps. Salary sacrifice advantages if you're sacrificing salary payments into super, loan repayments are effectively tax deductible. Capped tax on investment income—the maximum rate of tax on income after expenses is 15%. Any capital gains on investments held for 12 months or more, is taxed at 10%. Standard investors outside super can pay up to 47%. 6. Follow the Same Due Diligence Rules as Any Property Purchase Buying through superannuation doesn't mean relaxing your standards. If anything, the rules governing SMSFs mean you need to be more rigorous, not less. Property is likely one of the most significant financial decisions of your life. Research, not emotion, should drive your choices. The same rules apply whether you're buying in or out of super: Visit and compare multiple properties Know the values of similar properties in the same area Get all property checks performed by the right professionals Shop around for the right loan structure and lender Don't abandon good investor habits just because the structure is different. 7. Always Get Quality Professional Advice Nothing comes without risk—but the right advice significantly mitigates it. The key is understanding what you're getting yourself into: making informed decisions based on accurate data; keeping a diversified superannuation portfolio that doesn't place all your eggs in one basket; and not underestimating how complex buying property in superannuation can be. Sound Simple? It’s all in the details. If the above tips have made it sound straightforward, know that the detail is where the complexity lives. Getting professional advice from the start helps ensure you make the best possible decisions for your future. When selected according to rigorous property-purchasing criteria, property can be an excellent way to grow your superannuation and increase your chances of building a retirement fund that supports the lifestyle you want. Ready to Explore Property in Your SMSF? Whether you'd like to discuss whether an SMSF is right for you or need help setting one up, reach out to Ascent Accountants . If you want assistance managing the property within your fund, contact the Ascent Property Co team .
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