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Category: Newsletters

Maximising your super contributions

Bruce Brammall, 17 April, 2019, Eureka Report SUMMARY: Don’t miss the opportunity to make bigger NCCs to your super fund by misunderstanding the rules. Here’s what you need to know. Getting money into super has become a great deal harder in recent years, with various layers of caps complicating one’s ability to contribute. There have been […]

Budget ‘back in the black’

Bruce Brammall, 3 April, 2019, Eureka Report             SUMMARY: Some will be able to pump an an extra $250,000 into super from the Coalition’s Budget. Can you benefit? We’ve become conditioned in recent years that when superannuation comes up in a Budget, it ain’t gonna be good. The bad streak […]

To top up, or pay down?

Bruce Brammall, 5 March, 2019, Eureka Report SUMMARY: Low interest rates make the strategy of topping up super instead of paying down the home loan a worthwhile consideration. If you’re in your 50s, do you smash the home loan? Or contribute extra to super? Does one strategy beat the other, or is it really just “same […]

Why SMSF and OTP just don’t click

Bruce Brammall, 19 March, 2019, Eureka Report SUMMARY: A win for some little SMSF people and the figures showing buying off-the-plan is a financial disaster. Within a few minutes of Mary and Rohan sitting down with me, my blood had started to boil. Not because of them. They were an ordinary, hard-working, lovely, professional couple. […]

A new political party for SMSFs

Bruce Brammall, 20 February, 2019, Eureka Report   SUMMARY: DIY super fund trustees get political, forming their own party to take their interests to Canberra. Self-managed super fund trustees are feeling pretty peeved. Picked on and pilloried by politicians, many feel it’s time to rise up and stick up for themselves. They’ve been under attack, […]

Super goes back to basics

Bruce Brammall, 6 February, 2019, Eureka Report SUMMARY: Super fund fees should never have been used to cross-subsidise personal financial advice, Kenneth Hayne argues. Superannuation is going back to basics. Kenneth Hayne wants to deliver a pure, cut-the-crap, “unplugged” version of how great superannuation should be. It should be run by a posse of “Super […]

What will happen with LRBAs?

Bruce Brammall, 23 January, 2019, Eureka Report     SUMMARY: Property scares for SMSFs under a Labor Government are bubbling away, but don’t believe everything you read. Sometimes you leave something slowly simmering in a pot, only to turn back moments later to find it exploding uncontrollably like molten lava. That has certainly been the […]

The year ahead for SMSFs

Bruce Brammall, 9 January, 2019, Eureka Report SUMMARY: Here are the major issues to consider if you’re gazing into your SMSF crystal ball for the year ahead. Without what seems an unlikely bounce in asset prices, there’s probably not a lot of joy for DIY super trustees looking into their crystal balls for 2019. And […]

The wins and losses for super

Bruce Brammall, 19 December, 2018, Eureka Report   SUMMARY: The wins and the losses of superannuation in 2018 – plenty to celebrate, but some land mines to watch out for. “Big bang” changes were thankfully off the radar, but DIY super trustees had plenty to keep their eyes on in 2018. On the investment front, […]

The power tool of super

Bruce Brammall, 5 December, 2018, Eureka Report   SUMMARY: Concessional contributions 101: Building your super and saving tax as you approach retirement. For anyone within a decade of retirement, super planning is critical. And a big part of that strategy is about maximising your super contributions. The difference between using that decade wisely and not, […]