“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, […]
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 […]
An utterance from my DebtBoy just before Christmas gave me a shock reality check of how my retirement might spiral horribly out of my control. With no warning, and no precursor conversation, he said: “Daddy, I’m going to live with you until I’m 47”. Images of Garry McDonald and Ruth Cracknell in Mother and […]
SUMMARY: The new defined benefit pension arrangements are causing angst for Eureka readers. Defined benefit pensions, recontributions and TTR strategies seem to be the issues causing the angst for Eureka’s self-managed super fund army right now. I’ve received many questions around the topics raised in my columns on how DB funds will be treated […]
SUMMARY: Is it worth borrowing to tip money into super ahead of 30 June? It’s a very different equation in 2017 than it was in 2007. Getting money into super ahead of the 30 June change of rules is going to take some planning. From 30 June, if you already have $1.6m in super, you […]
SUMMARY: The world of super changes – not for the better – in 2017. Here’s what to consider before the 1 July 2017 deadline. The legislation has passed and we now “know” what the rules are for superannuation, post 1 July 2017. (We don’t actually know all of the rules. Some of them are still […]
SUMMARY: The bleatings of some self-interested SMSF service providers should not mask that some people should be saved from themselves. With the slightest hint of increased regulation in most sectors, teeth start gnashing and mouths start frothing. Reminds me a little of […]
© Bruce Brammall Financial 2009 -2025
Bruce Brammall Financial Pty Ltd as trustee for the Castellan Financial Consulting Unit Trust is an authorised representative of Sentry Advice Pty Ltd (AFSL number 227748). Bruce Brammall Financial Pty Ltd as trustee for the Castellan Financial Consulting Unit Trust is not authorised to provide credit services. All credit and mortgage services referred to on this website are provided by Bruce Brammall Lending Pty Ltd (ACL number 448881). The information contained within the website is of a general nature only. Whilst every care has been taken to ensure the accuracy of the material, Bruce Brammall Financial will not bear responsibility or liability for any action taken by any person, persons or organisation on the purported basis of information contained herein. Without limiting the generality of the foregoing, no person, persons or organisation should invest monies or take action on reliance of the material contained herein but instead should satisfy themselves independently of the appropriateness of such action.