I pretty much already have my Christmas present. The perfect present for me for summer. And the best part? It was free. Through what I suspect was largely dumb-arse luck, I have found the perfect temperature in my bar fridges. (Yes, plural. Home and office.) The perfect temperature is where soft drink cans get little […]
SUMMARY: Segregation between pension and accumulation assets has been canned – but here’s a new strategy to beat the ban. Sometimes, even when you think you’re on top of things, it turns out you’re not. A few weeks ago (see column of 23/11/16), I wrote a piece about taxation in super and an upcoming decision […]
If my family breeding and bloodlines were primed for one thing, it was a hatred of sales and advertising. My dad was a journalist. So were his mates. And their spouses. And coincidentally, so were most of my uncles and aunties. As a reporter and sub-editor, my dad, the Old Fart, spent his professional […]
SUMMARY: Understanding SMSF tax … and then the tax saving that segregating pension assets might give you from 1 July. Tax and access – at its most basic, these are the two things that differentiate investing inside, and outside, superannuation. With super, you have “restricted access”, which means you can’t draw on your super until […]
SUMMARY: SMSF property investors need to sit back and watch some dust settle. For self-managed super fund property investors, super’s “new” rules and surrounding framework are a long way from being clear. Draft legislation has been out for comment for a few weeks and SMSF experts are falling over themselves to point out fresh dangers […]
SUMMARY: The gloss will come off the generosity of some defined benefit schemes from July next year. It has escaped the limelight because of its complexity, it’s legacy nature, and the smaller number of Australians who are impacted. But defined benefit super pension income streams weren’t forgotten when […]
Huge financial disasters, by their very nature, come from positions where the greatest risks are taken. Sometimes, this is simply rampant stupidity. When a big punt is made and caution is thrown to the wind, along with research and due diligence. Idiocy on a grand scale. And, sometimes, everything was done right, but a little […]
SUMMARY: Investment returns in your SMSF cannot be viewed in isolation. They need regular review. And a dose of realism. Australia’s single largest superannuation fund missed its target in FY16. Missed it by a bit, too. And the collective knees of the Future Fund’s leadership are quivering. They have a target and on a […]
Bruce Brammall, 26th October 2016, The Eureka Report SUMMARY: Lower contribution limits and taxed pensions will be followed by harsher measures in years to come, says survey. Note to all Australians aged about 40 years and over … you have a problem. And it’s big. You didn’t have enough sex when you were younger. Selfish. […]
I hate to be the crusher of dreams, the strangler of wishful thinking. But I think it’s about time to snuff out some truly false hope. Today, I think I need to do that. To help some SMSF trustees to move on. […]
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