PORTFOLIO POINT: Thinking of cashing up your property portfolio to get your money into super? Here’s what you need to know (Part II). If super is a powerful way of creating wealth (and saving on tax) for your future, then property in SMSFs can be simply awesome, if you get the investment right. Super laws […]
It’s a bit Vyvyan from The Young Ones. “This calls for a very special mix of psychology … and extreme violence.” And a bit of the old lightbulb joke. “How many psychologists does it take to change a lightbulb? None – the lightbulb has to want to change.” The trick for Gen Xers is not […]
PORTFOLIO POINT: Should you sell your properties to get money into your SMSF? There’s plenty to weigh up. Here are the main points (Part I) A recent survey suggested that 2011 is going to be the year of property in SMSFs. The suggestion was that – with the GFC slowly fading into history – that […]
Thankfully, the national standard for divvying up share-plate restaurant meals is NOT according to volume consumed. One of my parents’ nicknames for me in my youth was “Garbage Disposal Unit”. Whenever we went out for dinner with friends at one of Canberra’s Chinese restaurants in the 70s and 80s – there wasn’t much choice there […]
URRGHACKACK! Know what sound that is? That’s the sound Bart Simpson makes when Homer is choking him. It’s the same sound I made as I read this question. Everything in cash? For Gen Xers? You cannot be serious! Listen carefully. You can’t save your way to a fortune. You’d have to put away about 20 […]
PORTFOLIO POINT: Super double up. If you’re a couple, then combining your TTR and salary sacrifice strategies can lead to even more powerful results. The great thing about Transition to Retirement (TTR) strategies is that there are no so few losers. Generally, you’ll pay less tax on the income stream that you receive from your […]
Mmmm. Most expensive habit? What’s the definition of “most expensive”? The one that has cost you the most money? Or the guilty pleasure that derives no economic benefit. Kids? We’ve only collected two, DebtBoy and DebtGirl. Creche fees, nappies, DVDs, clothes, toys, child-raising paraphernalia … The boy is nearly four and hasn’t even played his […]
Whoa-boy! Steady up Xers! You’re trying to move faster than Charlie Sheen when he’s “on the drug Charlie Sheen”. Answer these important questions first. Do you have a minimum of $200,000 in super? Are you great (not just good) with paperwork? Can you stick to a plan, or calmly but quickly adjust your plan, when […]
PORTFOLIO POINT: Some flesh has been added to the skeleton of the 50-50-500 rule for super contributions. And it looks like generating higher fees for SMSF advisers. Accountants and financial advisers could be excused if they started inadvertently rubbing their hands together. Greater complexity in anything financial means more work for professionals. Not only in […]
No! No enjoyment for you! That may sound a little bit Seinfeld “Soup Nazi”, but that’s the way it’s got to be. Don’t you know that the person with the most money wins? Economic reality saw God sell out long ago. You want the best seats ringside in heaven? They’re for sale! Good deeds alone […]
© 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.