SUMMARY: Paying off your home, or contributing more to super? Lower rates can make this an even more super idea. Sustained low interest rates has certainly made paying off the mortgage easier in recent years. But it’s also given a boost to a combined super/mortgage strategy. A question often asked by those in their 50s […]
SUMMARY: SMSFs like franked dividends. And as a result, they pay more tax, not less, than regular super funds. The DIY super army is under fire again. Now the claim is that they don’t pay tax, or “evade” paying tax. It’s a flimsy argument, based on the premise that self-managed super funds invest in companies […]
SUMMARY: Taking SMSFs seriously – now fund managers and stock brokers want to know how we think so they can second guess us. Yes, self-managed super funds are a force to be reckoned with. You and I have known that for some time. But it’s only now just dawning on some elements in the finance […]
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: Uneven incomes in your couple? And at least one of you is considering a pension? Here’s a strategy for you. Money is, from the results of most surveys, one of the top three topics for arguments in a household. The joining of a couple’s finances can lead to all sorts of tensions, from […]
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: If you no longer had to pay tax, would it change the way you invested? Taxation distorts decision making when it comes to investments. Taxation distorts a lot of things, including my face when I see my quarterly BAS/IAS. Tax law can channel investment down one path or another. It can promote or […]
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 […]
PORTFOLIO POINT: Many pensioners are facing massive increases in the minimum super pensions they draw this year. Here’s how you can deal with it. Hands up if you want more income? It sounds like a rhetorical question, with the logical answer being everyone. Not so. Many readers will be forced to take dramatic rises in […]
PORTFOLIO POINT: My kingdom for some superannuation certainty! Here’s the first step in a plan to end super’s politics. I think it’s possible that everybody (even politicians) is tired of change in superannuation. Cynicism is growing. Change fatigue set in some time ago. I think that concept is slowly sinking in. Certainly, Labor’s announcement of […]
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