Bruce Brammall Debt Man It’s here! Woo-hoo! June 30 – the end of the year. In financial terms, today is the big one for all matters finance. Slate gets wiped at midnight. Today’s a rush. Pay bills urgently if you need the deductions, push back or pull forward income, depending on whether you […]
“Banks giving away free money! Hold the front page! Yours to collect. Got a mortgage? You’re eligible. Don’t delay – they want to give it to you … NOW!” Sounds like a crock? Debt Man gone daft? No. Deadly serious. It’s just a matter of whether you’re prepared to ask for it. And for certain banks: […]
SUMMARY: If you’re comfortable with property outside super, why wouldn’t you invest in property inside your SMSF? The power of property investment is a broadly understood wealth-creation concept by those Australians who have been doing it for a long time. Australians are increasingly getting used to building property portfolios, and are at ease with the […]
SUMMARY: No. No! NO! Ignore this nonsense about accessing super early to buy homes. It’s dumb on many levels. Australians should not be able to access their super funds to purchase homes. Not under Australia’s current super system. Calls to do so are populist claptrap, sometimes pushed by self interest. To date, the calls have […]
I spent a good portion of my Christmas break learning some pretty amazing, sometimes too intricate, details about a mate. Over many nights, and many lagers, I heard a lot of stories about his youth. Many of them were stories about the 20-something backpacking lifestyle that I wished I’d lived. Others were experiences I’m happy […]
SUMMARY: You’re ready to buy an investment property. But inside or outside a SMSF? Here’s what you need to weigh up. It’s a parent’s lot to put their children’s interests ahead of their own. Some take it a little further than others and they are prepared to make sacrifices beyond the time when the “raising […]
PORTFOLIO POINT: SMSF and geared property is white-hot news. So, let’s not lose sight of a few of the dangers. I’ve never seen anything like it. And I’ve been writing about superannuation for well more than a decade. While superannuation “issues” occasionally get plenty of column centimetres in the mainstream media (while specialist media cover […]
PORTFOLIO POINT: If you’re over 50, do you treat your super and non-super assets as two pots or one for asset allocation? Here’s an argument for the singular. Simply, the rules are different. Superannuation has one set of rules and taxation consequences. And your “normal” investments have another set of tax rules. For example, superannuation […]
PORTFOLIO POINT: Property gearing in SMSFs seems to be here to stay, but beware. Plus: Roger Montgomery, I accept your challenge. At the time, it was one of the biggest surprise decisions to have ever occurred to the superannuation industry. In September 2007 – nearly six years ago – the rules were changed to allow […]
PORTFOLIO POINT: Don’t let your partner’s death destroy your SMSF’s property dreams. Death can be rather inconvenient, particularly if poorly timed. And I’m not talking about the impact on the deceased. Sure, mostly, they aren’t going to be thrilled with the event. But it tends to be rather final and today we’re going to assume […]
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