Bruce Brammall, 13 June, 2018, Eureka Report SUMMARY: Is $1 million the new “viability threshold” for a SMSF? I’m going to start with what I hope is an unarguable fact: Many SMSFs should never have been set up in the first place. I don’t know for certain what the actual percentage would be. I would […]
Bruce Brammall, 23 May, 2018, Eureka Report SUMMARY: Could the government force business owners to pay themselves super? Not likely. But it’s more than a thought bubble. Running your own business can be a tough gig, particularly in the early years when building reliable cashflow. Administration, management, red tape and constant cost pressures […]
Bruce Brammall, 6 June, 2018, Eureka Report SUMMARY: Spending needs in retirement might not be as high as first thought. But that doesn’t mean YOU shouldn’t aim high. I hope my parents manage to blow their last $100 on their death beds a few minutes before the last of them falls off […]
Bruce Brammall, The West Australian, 4 June, 2018 It’s a bit fresh outside. Which makes it the perfect time for our favourite indoor sports. Not that indoor sport. Get your minds out of the gutter. I’m talking about “grand final” time for your personal finances. And as most of your finances are handled via your […]
Bruce Brammall, 30 May, 2018, Eureka Report SUMMARY: Productivity Commission turns up heat on super, but finds little to complain about with SMSF sector. Further structural overhauling of superannuation looks certain after the Productivity Commission’s highly critical report on the industry’s efficiency. Some radical suggestions include only allowing one default fund per member for […]
Bruce Brammall, 16 May, 2018, Eureka Report SUMMARY: “Life insurance” is not a dirty term. It’s an important part of our super landscape. Canberra needs to think, very carefully. I was very close to hiring a “fresh-off-the-boat” Englishman as a financial advisor, about seven years ago. His experience with Australian superannuation was minimal. But […]
Bruce Brammall, The West Australian, 14 May, 2018 It sends a shocking message when the government says “you don’t need insurance”. That’s not precisely what Treasurer Scott Morrison has said. But his Budget-night release for plans on insurance in superannuation is certainly going to give off that impression. Super funds will be stopped from automatically […]
Bruce Brammall, 9 May, 2018, Eureka Report SUMMARY: Superannuation and the Federal Budget 2018. What do you need to be aware of? Every Federal Budget means you have to make fundamental changes to your superannuation strategies. Right? No-changes-to-superannuation Budgets don’t exist, do they? Governments don’t let a Budget […]
Bruce Brammall, 2 May, 2018, Eureka Report SUMMARY: Is the move to 12% Superannuation Guarantee in danger? And six member SMSF legislation on the way. One of superannuation’s “universal truths” seems to be imploding. Looks like it might tear completely off the bone, like a season-ending ACL injury. The notion that the nation needs to […]
Bruce Brammall, The West Australian, 30 April, 2018 Integrity. What does it mean to you? A large number of people in the financial industry don’t seem to know what integrity means. Or perhaps they do, but simply don’t possess any. Australians are understandably wondering how deep this rot runs. Is the Royal Commission just […]
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