SUMMARY: SMSF property investors need to keep a self-interested eye on the current housing affordability debate. Aha. It must, officially, be time to hyperventilate over property prices. The “unaffordability crisis” is nightly news again. Political leaders are increasingly jawboning about strategies to help first-home buyers. Occasionally, they just get silly enough to act […]
SUMMARY: Get acquainted with partial commutations. They are going to be critical for SMSFs in the near term. Changes to the law often mean the death to some strategies. But they can equally breathe fresh life into previously unloved strategies. Transition to retirement (TTR) strategies, thanks to the taxation of TTR pension funds […]
SUMMARY: Restrictions taken off salary sacrifice strategies, plus New Zealand’s super pension age lift is a taste of things to come in Australia. Salary sacrifice strategies will be much easier to implement when the new super rules come into force on 1 July. No longer will employees have to wonder […]
SUMMARY: Some of the finer points of getting money into super via NCCs, under the new, post-July, rules. It’s time to delve a little further into the nitty-gritty of getting money into super post 1 July this year. We’ve spoken broadly about the new contributions limits. […]
SUMMARY: Perhaps a four-pot strategy for retirement savings would suit wealthier clients. How about a family-owned company? The importance of getting the investment structure right should be no surprise to most readers. And SMSFs and discretionary trusts are often very important parts of those strategies, along with investing in your own names, of course. But, […]
SUMMARY: You’ve got a limited opportunity to make the most of higher contribution limits for superannuation in FY17. Bless life’s simple things. Damn the bastards who want to complicate them. Getting money into super, for some time, has been relatively simple. But, as we know, change is […]
SUMMARY: What you must consider for your transition-to-retirement income streams before 30 June. One question is going to be dogging the minds of those in receipt of a transition-to-retirement pension in the lead up to 30 June. “Is it still worth working if my pension fund is going to be taxed, or do I […]
SUMMARY: The new defined benefit pension arrangements are causing angst for Eureka readers. Defined benefit pensions, recontributions and TTR strategies seem to be the issues causing the angst for Eureka’s self-managed super fund army right now. I’ve received many questions around the topics raised in my columns on how DB funds will be treated […]
SUMMARY: Is it worth borrowing to tip money into super ahead of 30 June? It’s a very different equation in 2017 than it was in 2007. Getting money into super ahead of the 30 June change of rules is going to take some planning. From 30 June, if you already have $1.6m in super, you […]
SUMMARY: The world of super changes – not for the better – in 2017. Here’s what to consider before the 1 July 2017 deadline. The legislation has passed and we now “know” what the rules are for superannuation, post 1 July 2017. (We don’t actually know all of the rules. Some of them are still […]
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