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Welcome to Bruce Brammall Financial

Royally peeved – Debt Man angry over brokers copping brunt

    Bruce Brammall, The West Australian, 18 February, 2019   A few years ago, a well-to-do gentleman called, asking for some help with a few matters financial. He was a smart man, and generally considered financially savvy. But one thing he felt he needed help with was his mortgages. We took a look at […]

Super goes back to basics

Bruce Brammall, 6 February, 2019, Eureka Report SUMMARY: Super fund fees should never have been used to cross-subsidise personal financial advice, Kenneth Hayne argues. Superannuation is going back to basics. Kenneth Hayne wants to deliver a pure, cut-the-crap, “unplugged” version of how great superannuation should be. It should be run by a posse of “Super […]

Credit crunch – get all of your credit cards in order

Bruce Brammall, The West Australian, 4 February, 2019     Some things are simply unfathomable – impossible to imagine happening. Like Australians learning to like tennis brat Nick Kyrgios. Or a Gold Coast Suns premiership. Or, possibly, that Australians would ever shun the “plastic fantastic”. Our obsession with credit cards goes close to our love […]

What will happen with LRBAs?

Bruce Brammall, 23 January, 2019, Eureka Report     SUMMARY: Property scares for SMSFs under a Labor Government are bubbling away, but don’t believe everything you read. Sometimes you leave something slowly simmering in a pot, only to turn back moments later to find it exploding uncontrollably like molten lava. That has certainly been the […]

Will Bill king-hit investors?

  Bruce Brammall, The West Australian, 21 January, 2019   If investors were to list their fears for 2019, then “Labor federal election victory” might top the charts for property lovers. The ALP has a deep-seated hatred of real estate investors. It’s current platform would be the most anti-property investor policies taken into an election in […]

The year ahead for SMSFs

Bruce Brammall, 9 January, 2019, Eureka Report SUMMARY: Here are the major issues to consider if you’re gazing into your SMSF crystal ball for the year ahead. Without what seems an unlikely bounce in asset prices, there’s probably not a lot of joy for DIY super trustees looking into their crystal balls for 2019. And […]

The wins and losses for super

Bruce Brammall, 19 December, 2018, Eureka Report   SUMMARY: The wins and the losses of superannuation in 2018 – plenty to celebrate, but some land mines to watch out for. “Big bang” changes were thankfully off the radar, but DIY super trustees had plenty to keep their eyes on in 2018. On the investment front, […]

The power tool of super

Bruce Brammall, 5 December, 2018, Eureka Report   SUMMARY: Concessional contributions 101: Building your super and saving tax as you approach retirement. For anyone within a decade of retirement, super planning is critical. And a big part of that strategy is about maximising your super contributions. The difference between using that decade wisely and not, […]

Super access rules may broaden

Bruce Brammall, 28 November, 2018, Eureka Report SUMMARY: Women’s access to super in tough times – divorce and domestic violence – should be improved under new recommendations. A better superannuation deal for women is on the cards, with the government considering several changes regarding divorce and domestic violence. Domestic violence victims could be added to […]

Here’s hoping you get a tax bill

Bruce Brammall, The West Australian, 26 November, 2018 If you’ve got a big investment property decision to make heading into retirement, I hope you’ve got a huge tax bill coming. I’m not being nasty! It’s certainly way better than the alternative. What you don’t want heading into retirement is to be sitting on a capital […]