SUMMARY: SMSF property investors need to keep a self-interested eye on the current housing affordability debate. Aha. It must, officially, be time to hyperventilate over property prices. The “unaffordability crisis” is nightly news again. Political leaders are increasingly jawboning about strategies to help first-home buyers. Occasionally, they just get silly enough to act […]
SUMMARY: Get acquainted with partial commutations. They are going to be critical for SMSFs in the near term. Changes to the law often mean the death to some strategies. But they can equally breathe fresh life into previously unloved strategies. Transition to retirement (TTR) strategies, thanks to the taxation of TTR pension funds […]
SUMMARY: Restrictions taken off salary sacrifice strategies, plus New Zealand’s super pension age lift is a taste of things to come in Australia. Salary sacrifice strategies will be much easier to implement when the new super rules come into force on 1 July. No longer will employees have to wonder […]
“Mate, do you have an opinion on the orthodoxy that you should pay off your mortgage before pumping money into investment?” Oh, Mr Editor! As a matter of fact … yeah, I do. Thank you. For those who have a mortgage, but know that they need to invest, I have a strong opinion. And what […]
SUMMARY: Some of the finer points of getting money into super via NCCs, under the new, post-July, rules. It’s time to delve a little further into the nitty-gritty of getting money into super post 1 July this year. We’ve spoken broadly about the new contributions limits. […]
So many people, so little interest. When it comes to superannuation in Australia, compulsory for most, this is the depressing situation. As a financial adviser, this absolutely does my head in. I can’t get my noggin around the lack of interest. Because I love super. It gets me all tingly. But like Newton’s third law, […]
SUMMARY: Perhaps a four-pot strategy for retirement savings would suit wealthier clients. How about a family-owned company? The importance of getting the investment structure right should be no surprise to most readers. And SMSFs and discretionary trusts are often very important parts of those strategies, along with investing in your own names, of course. But, […]
When it comes to buying assets, some ask if you “should you try to catch a falling knife”? Others recommend waiting until there’s “blood on the streets”. In investor land, both take balls. It’s buying when all around are too scared to. Buying when markets have taken a beating, or have slumped, is […]
SUMMARY: You’ve got a limited opportunity to make the most of higher contribution limits for superannuation in FY17. Bless life’s simple things. Damn the bastards who want to complicate them. Getting money into super, for some time, has been relatively simple. But, as we know, change is […]
SUMMARY: What you must consider for your transition-to-retirement income streams before 30 June. One question is going to be dogging the minds of those in receipt of a transition-to-retirement pension in the lead up to 30 June. “Is it still worth working if my pension fund is going to be taxed, or do I […]
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