PORTFOLIO POINT: SMSF trustees missed the equity and property boats in the September quarter. Why did you hold back? It’s no secret that the last financial year was a disappointment for investors. The 10%-ish mini-crash in Australian equities in May and June ruined what would have otherwise been a reasonable year. Come 1 July, markets […]
PORTFOLIO POINT: Considering a SMSF? Would you like to “try before you buy”? Consider a “wrap” test drive. There was a big hoo-ha in superannuation industry circles last week about accountants’ role in the setting up of self-managed super funds. The facts show that accountants often have an instrumental role in setting up the SMSFs. […]
PORTFOLIO POINT: A death-tax removed! A major tax win for super pensions was a pleasant surprise in the recent mini-budget. How often would a government tell the Tax Office to back off on legitimate revenue raising? In terms of animal species, it would certainly be classed as “rare”. It would probably be considered “endangered” if […]
You know, I know where this question wants us to go. But I’m just not sure that it’s right. The obvious answer? “They forget about the unbreakable relationship between risk and reward. And they forget about pain.” But is it forgetting, if you’ve never experienced it before? Every time a stock market really, really soils […]
PORTFOLIO POINT: Have Australians “outsmarted” superannuation? Here’s a compelling argument for compulsory annuities. What happens when the best of intentions from our elected representatives is beaten by the people’s own mathematical ingenuity? What if someone forces you to save money against your will, but given the knowledge that those savings will eventually become yours, you […]
PORTFOLIO POINT: The rumblings have not been denied. A super raid seems inevitable in a desperate bid to balance a beaten up budget. That the Federal Government is going to raid superannuation to make a surplus of the current year’s budget is now considered a done deal. How do we know this? Because none of […]
Crossing the road safely is a life skill you can’t handball. Not something you can delegate. Look right, look left. If Lightning McQueen (a mad driver and not such a great role model for kids) isn’t speeding in your direction, seasoned judgement, or your Jedi powers, guides you across safely. In a similar basket go […]
PORTFOLIO POINT: SMSFs could become a specific target for a Federal Budget surplus in trouble. Most of the rule changes surrounding superannuation are aimed broadly at the entire sector, rather than picking on individual parts. Sure, there are too many changes. And those changes, in recent years, have been overwhelmingly negative. But most of the […]
PORTFOLIO POINT: Consider starting spouse super splitting arrangements now if you want to take advantage of higher concessional contribution limits later. Sharing and caring – and minimising your tax burden – in your old age, that’s what super is all about. And if Eureka Report can make it more profitable for you lovebirds, then fabulous. […]
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