SUMMARY: SMSF borrowing arrangements and super tax for higher earners at biggest threat for change for Murray’s FSI final report. High-income earners and super property buyers could be about to cop a super bullet in the neck, if conjecture is to be believed. The industry chatter suggests that another series of “big bang” changes for […]
SUMMARY: Couples working together financially can make one plus one equal more than two. It’s an unusual statistic, though it shouldn’t be overly surprising: Surveys show the widowed are generally the least worried about their retirement. The reason is understandable. Most of two lifetimes spent saving to fund a joint retirement is now going to […]
SUMMARY: Six steps to making sure your run up to retirement is as profitable as possible. There is a fuzzy point in your life when the retirement you have been working towards suddenly starts charging at you. It’s fuzzy because it’s going to be a different age for everyone. For most, it will happen somewhere […]
SUMMARY: Government delay on superannuation guarantee puts onus back on YOU to look after YOUR super. THE Government gave a big shove to super this week – pushing super increases into the never-never and thrusting responsibility for your own super back to you. Simply, employees aren’t going to get a higher rate of super dumped […]
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: 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: The spectre of compulsory super annuities is increasing. And I don’t think SMSF trustees will be too thrilled. A considerable number of voices believe it’s one of the last great reforms needed to get Australia’s superannuation system up to world’s best. Compulsory annuities. When you hit retirement age – or some defined qualifying […]
PORTFOLIO POINT: A year to celebrate the positive whims of the market, sure. But don’t miss putting the cream on the top. With six weeks to go, it’s looking like financial year 2013 is going to be a year of largely pleasant memories for trustees. Certainly not in all respects. It’s been a year of […]
PORTFOLIO POINT: Sticky fingers reaching for the super pie again? If it’s true, they’re after YOU. You might not think you are “fabulously wealthy”. But what is that anyway? We won’t know until the government defines it. But be under no misapprehension that if the government is going to tinker with super taxes in this […]
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