PORTFOLIO POINT: The benefits of having your SMSF in pension mode go way beyond finally taking a tax-advantaged income stream. It should influence how you invest. Drawing a pension from your super fund is what super is all about – and it’s right there in the legislation, which states that super funds are there to […]
“GIDDYUP!” Don’t be alarmed. That’s just me mounting one of my hobby horses. Listen up Xers, because a superannuation hand grenade was tossed directly at us in 2009. The old rule of thumb, for those to the right, used to be: In your 50s, when the mortgage is largely paid down and the kids are […]
Is that all? Just the $36 billion? Come on Australia! My out-of-control, credit-card addict, Grandma owes nearly a quarter of that herself. Seriously! Are the rest of you really even trying? I … think … not! The Reserve Bank says the average credit card debt is $3321, which means you’re paying nearly $50 a month […]
PORTFOLIO POINT: Loaded up on Australian shares and cash in your SMSF? As a trustee, you’re not alone. But take a peek at what you’ve been missing out on. It is unlikely to be of any surprise that you (Eureka Report subscribers) are big fans of Australian shares and cash as asset classes. It’s what […]
Got any daredevil in you? A little bit Evel Knievel, flying high on motorbikes? Or would you feel more at home in the engineering department at Volvo during their 80s boring box-car period? The likely answer is somewhere in between – a bit more average, like Richie Cunningham from Happy Days. A risk profile is […]
PORTFOLIO POINT: June 30 is fast approaching. But you’ve still got time left to maximise your superannuation entitlements. Aaargh! It’s the end of May! Grand final time for superannuation. Starting tomorrow morning (Thursday), there are just 25 business days until the end of the financial year. It’s not too late. As always, at this time […]
What do you care if you’re dead? Instead, let me give you a plan to make money from death. Talk your way into other people’s Wills! Be nice to Aunt Helen. Go and mow Great Uncle Richard’s lawns once or twice a summer. Hang on! Better idea! There’s got to be easy millions in the […]
PORTFOLIO POINT: Winding back the risk in your SMSF by switching from equities to bonds? Not so fast! It’s taken as a given in the investment world that the older you get, the more conservative you become (or should become) as an investor. With youth on your side, you can afford to take risks in […]
Huddle in, Xers. Logically, this isn’t a question aimed at us. Well, at least not the second half. Only the oldest Gen Xers – in their mid to late 40s – have had time to build much wealth yet. Even then, it’s hardly likely to be enough to justify going into defensive mode (as those […]
PORTFOLIO POINT: A fix for accidental over-contribution errors in last night’s budget doesn’t mean a free pass. Here’s a must-know guide to the contribution rules. A win for Eureka Report in last night’s Budget! The government is going to allow some slack for those who accidentally breach their contributions limit and incur the penalty excess […]
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