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Category: Articles

Industry clean-out is a good thing

Bruce Brammall, The West Australian, 13 August, 2018 Sometimes the rules of any game need an update. It’s just time to raise the bar. To modernise and improve. It can cause a bit of havoc. The bigger the change, the more difficult the transition. Some players will give up because they can’t adjust. Others will […]

How to minimise the impact of the ‘death tax’

Bruce Brammall, 8 August, 2018, Eureka Report   SUMMARY: Running multiple pensions and drawdowns can deliver a better taxable result for beneficiaries after you’ve checked out. Superannuation, as we know, is a tax play. In return for restricted access to our retirement savings, the government taxes super “lightly”. It’s not only while we’re alive and […]

Pension now, not so fast

  Bruce Brammall, 1 August, 2018, Eureka Report SUMMARY: Should you turn on a super pension? Not the simple question it used to be. You’ve hit round about that age and your super is sort of hanging out there like a ripe fruit ready to pluck off the tree. But just because it’s there, do […]

Investment lessons to be learnt

  Bruce Brammall, The West Australian, 30 July, 2018   We’re a bit of a laughing stock, aren’t we? Some 10 years after the GFC and our little first world country’s stock market is still underwater. How embarrassment. Pathetic. The ASX/200 peaked around 6828 points and we’re still sitting around 6250 – still about 8.5 per […]

Crunching SMSF returns for FY18

Bruce Brammall, 25 July, 2018, Eureka Report SUMMARY: A positive year all all asset classes. How did you perform as SMSF investment manager? Did you beat 8.25%? Nothing blew anything out of the park, but it was a solid year across investment markets. You should have every reason to smile. Unlike last year, when fixed […]

Beware SMSF property sharks

Bruce Brammall, 18 July, 2018, Eureka Report     SUMMARY: Property and gearing are on the nose, but it doesn’t mean good property isn’t the right solution for savvy investors. When it comes to superannuation, we’re all aware now that when the tide turns, it can happen quickly. Government decisions to reduce contribution limits are […]

Pho food’s sake

  Bruce Brammall, The West Australian, 16 July, 2018 Cheers from Hanoi, Vietnam! This city has certainly changed in the 20 years since I was first here. More so than I have. In that time, I’ve got married, had two DebtKids, bought a few homes, changed careers, built a couple of businesses and it wouldn’t […]

Get an early start on your new fiscal year finances

Bruce Brammall, The West Australian, 9 July, 2018 A big tax bill can sometimes be a nice problem to have – particularly if it has come care of a monster bonus. I got that very call from a new client, just a week or so before the end of the financial year. “I’m getting a […]

The super deadline is now

Bruce Brammall, 20 June, 2018, Eureka Report   SUMMARY: Grand final time for superannuation contributions. Are you ready? The traditional cold sweats/mad panics of the back-end of June have passed by now. For so many, in so many aspects of your financial life – business, personal and SMSF – you should have been looking for those last-minute […]

Home owners, investors and Perth’s property market

Bruce Brammall, The West Australian, 18 June, 2018   It seems property markets have puffed out – and statistics everywhere seem to be declaring a turning of the tides. Sydney and Melbourne property markets have passed their prime, their use-by date. And they’re starting to get a bit whiffy. But for the West? Well, it’s […]