PORTFOLIO POINT: A reprieve on the in-specie transfer ban? In any case, SMSF trustees are moving on … and moving pretty smartly. There appears to be a pattern. The government announces sweeping changes to superannuation policy. And, just as it’s due to come into force, something gets in the way and the changes are postponed. […]
PORTFOLIO POINT: For very good reason, there’s a new mandatory requirement for SMSFs from July 1. In the enthusiastic rush to start your own self-managed super fund, there are countless mistakes that can be made. Thankfully, most of them aren’t disastrous. More of an annoyance. Messing up ABN and TFN documents, choosing the wrong type […]
PORTFOLIO POINT: The market’s recent slump is perfectly timed for those looking to make curtain-call in-specie transfers to their SMSFs. If you’re a trustee and enjoying life at the moment, you must have been sitting in cash. It’s been a nightmare five or six weeks. Few SMSFs that are loaded up with Australian shares are […]
PORTFOLIO POINT: SMSF property borrowing gets more appealing, thanks to the ATO’s response to trustee’s queries. It would appear there have been more questions than at a post-grand final press conference on the subject of SMSF property borrowing. But amid all the confusion, the good news is … your side won! Congratulations. Particularly those who […]
PORTFOLIO POINT: Maximising income streams in retirement can involve financial magic, particularly where Centrelink is concerned Super pension income is tax-effective income. We all know that. It’s just a case of whether it’s tax-free, or tax-advantaged. If you’re over age 60, the income comes to you tax-free. If you’re under age 60, then a super […]
PORTFOLIO POINT: Post-Budget super strategies to combat the latest attack on your retirement nest-egg. I was seething. As should you have been. Sure, I was sitting on a holiday in Bali, having to read the Federal Budget by mobile phone via a sometimes dodgy WiFi connection, but it didn’t temper the anger. A friend sitting […]
PORTFOLIO POINT: They’re not a big part of the DIY spectrum, but SAFs have some important advantages over SMSFs … and could save your super skin. Those who are deeply immersed in their world of self-managed super funds are almost inevitably happy with their choice. They have, as far as super goes, almost the ultimate […]
PORTFOLIO POINT: Super investment risk is ultimately in your control. Do you have a finger on the panic button? Using extreme examples to try to prove a point rarely does anyone any favours. And when it comes to super, one that former Treasury Secretary Dr Ken Henry used recently is a good case of an […]
PORTFOLIO POINT: The primary investment driver of SMSF trustees has changed. Has it taken hold of you? Some shifts in direction are subtle, like a cruise liner slowly changing its course. Some are not. Like a politician back-pedalling on a broken election promise. There was something you, as SMSF trustees, underwent last year that would […]
PORTFOLIO POINT: Here’s another major benefit of SMSFs – managing contributions over two years. The power of super as a retirement vehicle has plenty of boundaries. There are plenty of brakes stopping you getting money in, for a start. But there are a few boundaries that are allowed to be pushed a little further to […]
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