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: Lending for SMSFs has been turned on its head. Does it still work as a strategy? It’s tighter, but yes. Property investment is a honey pot. It attracts everyone interested in making a dime. And not just from an investment perspective – developers and the lending industry too. Property’s role, from a […]
SUMMARY: Playing it safe gave no help for returns in 2017. It was all about risk. Did you get your SMSF to beat 7.93%? Every streak must come to an end. And for FY2017, that meant a year where being too defensive was a serious drag on your portfolio. It was a year […]
SUMMARY: What’s the biggest super fund that can now be built? Around $9.3m … and here’s how that is done. Want to build the biggest super fund possible? Do you want to have a self-managed super fund that smashes the $1.6m transfer balance cap and keeps growing, with millions taxed at only […]
SUMMARY: Four strategies for SMSFs to consider immediately, now that super’s big changes have arrived. We’ve been talking about it forever, but it has finally arrived. Superannuation’s less-generous future is now on us. A future of lower contribution limits and of lower tax-free pensions and even taxed pensions. A time when it […]
SUMMARY: It’s not too late for transition-to-retirement pensions to be updated to tax-free account-based pensionss. Here’s how. For a year, it has felt like we’ve been madly running a race that finishes on 30 June at midnight. For many, that was the case. A year-long marathon, with a sprint finish. […]
SUMMARY: Limited-recourse borrowing arrangements (LRBAs) are under fire on two fronts, as government continues to struggle with post-July super legislation. If you can believe it, with just 9 days to go, we were still seeing the rules being written for superannuation post 1 July. I’m not kidding. In the last week of parliament […]
Teeth will gnash and grind … but for many, this month marks the end of an era for superannuation. An era when super was simple and generous. And, possibly, the greatest tax dodge of all time. People had accounts with mega-millions in it. Individuals with more millions than you could fathom could ever be […]
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