PORTFOLIO POINT: Super investment risk is ultimately in your control. Do you have a finger on the panic button? Using extreme examples to try to prove a point rarely does anyone any favours. And when it comes to super, one that former Treasury Secretary Dr Ken Henry used last week is a good case of […]
PORTFOLIO POINT: The primary investment driver of SMSF trustees has changed. Has it taken hold of you? Some shifts in direction are subtle, like a cruise liner slowly changing its course. Some are not. Like a politician back-pedalling on a broken election promise. There was something you, as SMSF trustees, underwent last year that would […]
PORTFOLIO POINT: Four things you need to check to make sure more of your super keeps on breathing after you stop. The prime driver for people getting into self-managed super funds is control. In rough order, of the types of control that SMSF trustees want to exert, it’s usually control over investments, control over tax […]
PORTFOLIO POINT: They’re not a big part of the DIY spectrum, but SAFs have some important advantages over SMSFs … and could save your super skin. Those who are deeply immersed in their world of self-managed super funds are almost inevitably happy with their choice. They have, as far as super goes, almost the ultimate […]
PORTFOLIO POINT: Lies, damned lies and statistics. Selective quoting of stats won’t make ACOSS a friend of SMSF trustees. Today I’m going to declare an “enemy” of self-managed super funds. This doesn’t happen often. Sometimes, some people, or some organisations, start proposing changes that would so fundamentally impact on your interests, that I feel compelled. […]
PORTFOLIO POINT: It’s not quite as simple as “insert pension, press play”. So how do you “flick on” a pension in your SMSF? Pensions are, literally, what super is all about. The provision of retirement benefits is numero uno on the definition of superannuation’s sole purpose test. It’s the end game. But it’s an end […]
PORTFOLIO POINT: A super opportunity could be closing. If you were thinking it’s for you, you’ll need to get started very, very soon. Like sands through the hourglass … a two-year egg timer started flowing in the last few months of calendar 2010. The last grains are due to fall through later this year. It […]
PORTFOLIO POINT: These assets stay here. Those assets go there. Segregation within SMSF can lead to better tax outcomes. The word “segregation” has some nasty connotations, most usually associated with policies of entrenched racism. South Africa under apartheid and the deep south of the United States pre- and post-Civil War are infamous examples. Less nasty, […]
PORTFOLIO POINT: Have your cake and eat it too – combining salary sacrifice with a transition to retirement strategy. “Hey Dad, there’s some bloke here at Eureka Report who reckons there’s a super strategy that allows you to both have more money in your hand each month AND still get more money in your super […]
PORTFOLIO POINT: Share the SMSF love. Taking a joint perspective to contributions strategies can be far more effective. Building your superannuation nest-egg can be a lonely challenge, not unlike trying to climb Mt Everest. Sure, you can surround yourself with committed like-minded people. But you’d better believe they will order you back down with a […]
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