PORTFOLIO POINT: How did your SMSF’s performance measure up at June 30? Look away now if you didn’t have any international exposure. You missed the action. Again. The moaning about the “stock market” has been so intense for so many months (April through July), that I’d made some assumptions about how bad super returns would […]
PORTFOLIO POINT: Death taxes expanded! A new Tax Office position on super pensions has major repercussions for super and estate planning. It was bound to happen. I’d choose an important topic for a series of columns – super and estate planning – where the rules haven’t changed dramatically for a long time, and … bingo, […]
PORTFOLIO POINT: You’ve fallen off your perch. Who’s getting your super? Part two of my series on death benefit nominations. At the time of retirement, superannuation is likely to be the second largest asset of most people, suggest the statistics. The home is likely to be your biggest asset, unless you’ve developed a reasonable asset […]
PORTFOLIO POINT: The government seems to be coming around to the idea that some changes are needed to concessional contributions limits. And here’s one worth considering. The way things are going, it could just get all too hard to get money into super. If people are limited to $25,000 a year, there is a good […]
PORTFOLIO POINT: Who will get the proceeds of your super when you fall off your perch? There are some big traps. Here’s what you need to know. The aim of super is roughly this: Get enough of a pot of assets to last you through a long life and happy retirement. And the ultimate? To […]
PORTFOLIO POINT: Concessional contributions face strict limits because of the tax “generosity”. Do you qualify for a tax deduction for your contributions? Getting money into super is hard enough, what with the halving of the contribution limits by the government. And it’s not getting any easier to make those contributions. Particularly if you don’t fit […]
PORTFOLIO POINT: Don’t just think that switching to pension is flicking a switch. You need strategy to back it up. Here are some more areas to consider when starting a super pension. The pension phase of a super fund can be a long one. Even if someone were to delay taking a pension until they […]
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 […]
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 […]
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 […]
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