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 […]

PORTFOLIO POINT: Winding back the risk in your SMSF by switching from equities to bonds? Not so fast! It’s taken as a given in the investment world that the older you get, the more conservative you become (or should become) as an investor. With youth on your side, you can afford to take risks in […]

PORTFOLIO POINT: A fix for accidental over-contribution errors in last night’s budget doesn’t mean a free pass. Here’s a must-know guide to the contribution rules. A win for Eureka Report in last night’s Budget! The government is going to allow some slack for those who accidentally breach their contributions limit and incur the penalty excess […]

PORTFOLIO POINT: Does it make sense to sell non-super investments, put the money into super and then repurchase? Let’s take a look at the numbers … If you own investment property and you also own a self-managed super fund, I’ll guarantee that you’ve thought about it. “Should I sell the investment property, transfer the money […]

PORTFOLIO POINT: Bruce Brammall chats to ATO assistant commissioner for super, Stuart Forsyth, about some of the burning issues for SMSF trustees. Funnily enough, I had left specific instructions with my staff should this eventuality ever come to pass. (It was a throwaway gag relating to something else that had happened in the office at […]

PORTFOLIO POINT: New statistics show a frightening lack of understanding of what retirement finances will be like – from both you and the government. Have you got a grip on retirement? On YOUR retirement? Do you know what it’s going to be like? Do you know how much money you’ll have? Do you know at […]

PORTFOLIO POINT: Ignorance is no defence – here’s what you need to know to avoid copping a 93% tax rate on your super contributions. Back in the early 80s, I had a commerce class I’ll never forget. We were introduced to the concepts surrounding income tax. I got that the government needed to tax workers […]

PORTFOLIO POINT: Thinking of cashing up your property portfolio to get your money into super? Here’s what you need to know (Part II). If super is a powerful way of creating wealth (and saving on tax) for your future, then property in SMSFs can be simply awesome, if you get the investment right. Super laws […]

PORTFOLIO POINT: Super double up. If you’re a couple, then combining your TTR and salary sacrifice strategies can lead to even more powerful results. The great thing about Transition to Retirement (TTR) strategies is that there are no so few losers. Generally, you’ll pay less tax on the income stream that you receive from your […]