Bruce Brammall, 4 October 2017, Eureka Report SUMMARY: Asset allocation has become a whole-of-wealth game since 1 July. Have you put enough thought into it? The new rules for super checked in three months ago, on 1 July. So, have you changed anything about your thinking since then? For most, the answer […]
SUMMARY: Insurance is an important consideration in super, despite industry arguments. Here’s what you need to consider. Life insurance is fighting a rising tide of discontent, predominantly caused by too many scandals. Insurance in super, even more so, is on the nose. Industry-led attempts to “fix” the current opt-out rules have not been well […]
SUMMARY: Into your super or into your home? Where do you plough excess savings? Something left over after all the bills are paid is generally the aim of the game. It happens too rarely, to too few. The reality is, for most, where excess savings exist, expenditure rises to meet the challenge. But for those […]
SUMMARY: Real-time reporting of pension income streams is coming. Here’s what you need to start thinking about. TBAR sounds like something your kids (or grandkids) might play on, or with, in the school yard. But no. It stands for “transfer balance account report”. And it’s something that anyone with a self-managed […]
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 […]
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