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Tag: concessional/non-concessional contributions

The SMSF lending slowdown

 Bruce Brammall, 14 February, 2018, Eureka Report   SUMMARY: Are SMSFs being held back from entering the property market? Yes, absolutely. Is this a bad thing? That’s less certain. You don’t have to go back far to find screaming headlines that DIY funds were the devil responsible for pushing property prices ever higher. And, as […]

The super future is looking bleaker

Bruce Brammall, 31 January, 2018, Eureka Report     SUMMARY: Prepared for the next round of super changes? Here’s a sniff of what’s in store. We’ve just been delivered a glimpse into the future of superannuation – at least as our national mandarins see it. It ain’t pretty. And that’s a positive spin. It’s uglier […]

Five reasons to fix an old trust deed

Bruce Brammall, 24 January, 2018, Eureka Report       SUMMARY: Update your ageing trust deed? Why do that? Here are the top five reasons you should … and the disasters not doing so can cause. Some of us probably overdo some pretty mundane jobs. While others probably leave way-too-long chores largely considered by most […]

Why some SMSF trustees are unhappy

Bruce Brammall, 17 January, 2018, Eureka Report SUMMARY: Smaller DIY funds are less satisfied with returns than industry funds for the first time. Why? It seems that many of us super trustees are getting a little down on ourselves. A survey of all super fund members has found that those with smaller self-managed super funds […]

Two new super measures to hit home

Bruce Brammall, 13 December, 2017, Eureka Report   SUMMARY: A win for older Australians, but probably at the expense of first-home buyers. You hardly call it an all-out war on property prices. In reality, it’s impact is barely likely to be felt. Like an earthquake measuring “2” on the Richter scale – not commonly felt […]

The new super catch-up property combo

 Bruce Brammall, 29 November 2017, Eureka Report SUMMARY: Property investors have two new super tools available to cut their capital gains. Here’s how to plan to save CGT. Property investors don’t get a lot of sympathy in general. And, okay, it’s a bit understandable. In recent decades, property investors have made squillions, as property markets […]

The new rules on sacrificing

Bruce Brammall, 22 November 2017, Eureka Report SUMMARY: The new personal deductible contribution rules will be a big boost for your super. But there are some complexities. Bright spots were few and far between in the recent super upheaval – but the new allowances for personal deductible contributions topped the list. Another was the “five-year […]

SMSF expenses blow out

    Bruce Brammall, 25 October 2017, Eureka Report SUMMARY: SMSF expenses have nearly tripled in just five years! Have you lost control of your super fund costs? Trustees of self-managed super funds appear to have lost control of their expenses – average expenses per fund have nearly tripled in five years. The cost blowout […]

No limit on super, just pension

  Bruce Brammall, 18 October 2017, Eureka Report SUMMARY: A limit of $1.6m in super? No! You are unlimited as to how big you can grow your super fund. There is an absurd misunderstanding gaining traction around the country about superannuation. It’s a message that the government hasn’t been deliberately pushing. However, it certainly won’t […]

SMSFs and mortgage decisions

  Bruce Brammall, 11 October 2017, Eureka Report SUMMARY: Interest-only or principal and interest for your SMSF loan? This decision for SMSFs has become collateral damage, so here’s what to consider. There was a time when interest-only loans were close to being the only way to go for investment property, including inside super. Interest-only repayments […]