SUMMARY: There are just five weeks left to make the most of some super rules for this financial year. It seems to come around faster and faster every year – but 30 June is just five weeks away now. That’s not a lot of time to plan the last-minute special efforts that add the one […]
SUMMARY: The door stays open until the end of the year for account-based pensions and generous health care cards. There’s going to be a rush of work surrounding super pensions before the end of this year. And it will be largely about locking in access to the generous government health care card. Planning for it […]
SUMMARY: Big-picture changes are coming to superannuation. It’s never too early to plan to beat them. It’s time to declare at least one superannuation dream dead. It’s been in a coma for a while. But Treasurer Joe Hockey put a pillow over its face last week and held it down tight. It didn’t fight back. […]
SUMMARY: Positive developments on two fronts in super, with lighter regulation of SMSFs a possibility. It seems like the tide has been running out forever for superannuation investors, including SMSF trustees. In reality, it has been about six years. But recent evidence suggests the tide has turned. And in the last week, SMSF trustees (and […]
SUMMARY: Time to start considering some tax planning after another good run for shares. So let’s revisit in-specie transfers to your SMSF. There was a time, fairly recently, when SMSFs trustees were considered liars and frauds in the eyes of the government (and the Treasury). At least in regards to the in-specie transfer of assets […]
SUMMARY: Here are nine steps to get your SMSF ready for whatever’s ahead in 2014. In life, you can look forward or you can look back. But it usually pays to do a bit of both. While the final results aren’t in yet for calendar 2013, it was a fine year for investors and self-managed […]
SUMMARY: Do you want to make it tax-free for the next generation? A recontribution strategy requires some forward planning. We all know and love super as this great income stream that comes to us tax-free eventually, usually after we turn 60 or 65. Well, most of it comes tax-free to nearly all of us. There […]
SUMMARY: How much super should I have now for someone my age? Here’s a starting point – by 50, you should have 3.5 times your current salary. “I’m X years old. I’ve got $Y in super. Am I on track for a comfortable retirement?” There is an overabundance of statistics in superannuation. Government instrumentalities and […]
SUMMARY: One SMSF – many accounts. Why your SMSF has “yours” and “mine”, but no “ours”. It’s time to bust a myth about SMSFs. Perhaps it’s more misunderstanding or misconception than myth. But it’s certainly time to crush it. Your SMSF, if there are two members, has at least two accounts. There is “yours”. And […]
PORTFOLIO POINT: If you are 60-plus and still working, then a transition-to-retirement pension is a must. Plus what the election result means. If you are over 60 and still working, listen up. This column might be the most profitable column you read this year. There’s a common misunderstanding around superannuation pensions. And that is that […]
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