Bruce Brammall, 25 October 2017, Eureka Report SUMMARY: SMSF expenses have nearly tripled in just five years! Have you lost control of your super fund costs? Trustees of self-managed super funds appear to have lost control of their expenses – average expenses per fund have nearly tripled in five years. The cost blowout […]
Bruce Brammall, 18 October 2017, Eureka Report SUMMARY: A limit of $1.6m in super? No! You are unlimited as to how big you can grow your super fund. There is an absurd misunderstanding gaining traction around the country about superannuation. It’s a message that the government hasn’t been deliberately pushing. However, it certainly won’t […]
Bruce Brammall, 11 October 2017, Eureka Report SUMMARY: Interest-only or principal and interest for your SMSF loan? This decision for SMSFs has become collateral damage, so here’s what to consider. There was a time when interest-only loans were close to being the only way to go for investment property, including inside super. Interest-only repayments […]
Bruce Brammall, 4 October 2017, Eureka Report SUMMARY: Asset allocation has become a whole-of-wealth game since 1 July. Have you put enough thought into it? The new rules for super checked in three months ago, on 1 July. So, have you changed anything about your thinking since then? For most, the answer […]
SUMMARY: Into your super or into your home? Where do you plough excess savings? Something left over after all the bills are paid is generally the aim of the game. It happens too rarely, to too few. The reality is, for most, where excess savings exist, expenditure rises to meet the challenge. But for those […]
SUMMARY: Real-time reporting of pension income streams is coming. Here’s what you need to start thinking about. TBAR sounds like something your kids (or grandkids) might play on, or with, in the school yard. But no. It stands for “transfer balance account report”. And it’s something that anyone with a self-managed […]
SUMMARY: Do you really know the asset allocation of your SMSF? Sit down and figure it out. And be ruthless. The plight of the DIY super trustee is that it can be a lonely occupation. (Yes, despite there being more than a million of us.) Decisions are usually made in isolation. They’re […]
While super’s best brains search for a golden goose of retirement income products, just stay focussed on building your nest egg. We are nearly three years into the search for new ways of delivering better superannuation income streams to retirees. And so far, we’ve had almost nothing. Product innovation is virtually non-existent. People […]
SUMMARY: If your kids still listen to you … here’s what you need to tell them to do with their super. My son is 10. He still listens to his dad. Mostly. He knows his dad is a financial adviser who “helps people with their money”. He understands that includes investing in “stuff”, including […]
SUMMARY: Can you return to work after “retiring” and starting a super pension? Of course, but there are some rules to know. You’ve hit retirement and you’ve started a superannuation pension. And everything in the after-work life was going fine. For a while. Then boredom set in. Or your marriage broke down, leaving you […]
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