PORTFOLIO POINT: My geared property rule for SMSFs trustees – if you’re not doing it outside super, don’t do it inside your SMSF. With stock markets swan diving back into the pool of schizophrenia in recent weeks, expect the sales pitch volume for other asset classes to be turned up. The “safety of cash”, the […]
I’m no fan of naysayers. Negative people, in general, can sod off out of my presence, thank you very much. And given a choice between having a laugh and having a good old blithering, tissue-soaking sook, I choose giggles. The Goodies? Or the episode of A Country Practice where Molly dies? The Goodies everytime. But […]
PORTFOLIO POINT: How did your SMSF’s performance measure up at June 30? Look away now if you didn’t have any international exposure. You missed the action. Again. The moaning about the “stock market” has been so intense for so many months (April through July), that I’d made some assumptions about how bad super returns would […]
PORTFOLIO POINT: Death taxes expanded! A new Tax Office position on super pensions has major repercussions for super and estate planning. It was bound to happen. I’d choose an important topic for a series of columns – super and estate planning – where the rules haven’t changed dramatically for a long time, and … bingo, […]
One of life’s great, yet simple and indulgent, pleasures, is a good ham and cheese toasted sandwich. A slice of cured, honeyed pig, some tasty cheese, perhaps with butter, preferably honoured with some good bread (or bad bread – it’s actually the least important ingredient). Then cooked until it starts dribbling heavenly, yellow rivers of […]
PORTFOLIO POINT: You’ve fallen off your perch. Who’s getting your super? Part two of my series on death benefit nominations. At the time of retirement, superannuation is likely to be the second largest asset of most people, suggest the statistics. The home is likely to be your biggest asset, unless you’ve developed a reasonable asset […]
PORTFOLIO POINT: The government seems to be coming around to the idea that some changes are needed to concessional contributions limits. And here’s one worth considering. The way things are going, it could just get all too hard to get money into super. If people are limited to $25,000 a year, there is a good […]
KERRRRUUNNCH! “What was that?” I hear you ask. That was the sound of a severe cash crunch. Perhaps you’ve heard that sound before yourself. Don’t panic. It was definitely mine, not yours. But it was no gentle “snap, crackle, pop” like DebtGirl’s cereal. It was rudely loud. It woke my neighbours. Again. (I have been […]
PORTFOLIO POINT: Who will get the proceeds of your super when you fall off your perch? There are some big traps. Here’s what you need to know. The aim of super is roughly this: Get enough of a pot of assets to last you through a long life and happy retirement. And the ultimate? To […]
PORTFOLIO POINT: Concessional contributions face strict limits because of the tax “generosity”. Do you qualify for a tax deduction for your contributions? Getting money into super is hard enough, what with the halving of the contribution limits by the government. And it’s not getting any easier to make those contributions. Particularly if you don’t fit […]
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