Blogs with the keyword "Superannuation"
15 May 2019
The Research Team provides a performance summary and commentary on each of the five main asset classes.
Plus, we illustrate the growth of different investments if you invested one Australian dollar in 2003.
15 May 2019
Once considered a radical way to live, many Australians are now viewing an off-grid lifestyle as both economically and environmentally savvy. We delve into some of the pros and cons and to help you determine whether it’s a good choice for you.
15 May 2019
Financial exposure is the gap between the level of life insurance required to meet your basic needs and the level of insurance you actually have in place in case an unexpected health event occurs. Financial exposure is a growing problem in Australia. This article looks at some of the reasons for this and why it’s important to minimise your financial exposure.
15 May 2019
Overall, we are likely to see a slowdown in growth for both the Australian and global economies over the next year. Upcoming elections, including our own Federal election, will have a major influence on the economy as will government spending.
15 May 2019
If you have a superannuation fund, you’ve probably been asked to nominate your beneficiary. But, super fund trustees can only pay your super death benefit to eligible dependants1 or to the legal personal representative of your estate. Here’s what you and your family need to know.
03 Apr 2019
Find out how the Federal Budget proposals could affect you.
29 Aug 2018
It can feel like an uphill battle to stay ahead of the game financially.
28 Aug 2018
The start of the new financial year brings a number of changes and some new opportunities.
24 May 2018
With 30 June fast approaching, now’s the time to put in place the strategies that could save you paying more tax than you need to this financial year. And, look at the most appropriate tax strategies for the 2019 financial year.
09 May 2018
This year’s Federal Budget is an ‘election budget’ with tax cuts for all Australians that will be funded by the Government’s higher than expected revenue. All-in-all, changes to super were fairly limited in the Budget, with the Government focused on preventing the erosion of super funds with small balances.
20 Feb 2018
It’s great knowing that when a bill comes in, you’ve got the surplus cash flow to cover it. But how can you make your money go further?
20 Feb 2018
Whether you’re buying your first home or you’re ready to downsize, you may be able to use your super to help make the most of your money. These two new schemes support the Government’s goal of reducing pressure on housing affordability in Australia.
20 Feb 2018
If you’re ready to downsize you may be able to use your super to help make the most of your money. This new scheme supports the Government’s goal of reducing pressure on housing affordability in Australia.
20 Feb 2018
If you’re buying your first home you may be able to use your super to help make the most of your money. This new scheme support the Government’s goal of reducing pressure on housing affordability in Australia.
13 Nov 2017
The 1 July 2017 super reforms have opened up a fantastic new opportunity to build wealth in super and reduce your tax bill at the same time.
28 Aug 2017
Following the recent Federal Budget announcement, the Government has now passed law to give effect to changes to Centrelink's asset tests. From 1 January 2017 onwards, there will be changes to the assets test for the age pension and this means there will be some winners and some losers.
04 May 2017
Changing jobs and setting new career goals can be an exciting time. It’s also the perfect time to do a financial health check.
21 Feb 2017
With a raft of super changes coming into effect 1 July 2017, now is the time to start thinking about how these changes might affect your retirement plans.
21 Feb 2017
On 1 July 2017 significant changes are coming to superannuation. While the changes are wide-ranging, most relate to the super contributions cap.
07 Nov 2016
The changes to the Age Pension Assets test on 1 January 2017 are significant and may require a change of thinking regarding investing your retirement assets.
25 Aug 2016
It’s something we don’t really like to talk about, but have you thought about who gets your super if you die? Super is different from other assets because the trustee of your super fund has control over who gets your super and any risk insurance payout - it doesn’t automatically flow to your estate.
04 May 2016
This was not your typical Budget. Instead, the Treasurer, Scott Morrison, attempted to build an election platform for the Government and overall, this Budget is quite fair to most people.
25 Jun 2015
The preservation age is changing. Once you reach your preservation age, and permanently retire from the workforce, you can access your superannuation.
25 May 2015
As the saying goes, there are a few realities in life: death and taxes. Well it's fair to say that we can add another to that list: rule changes on superannuation.
19 Mar 2015
Have you nominated your children as beneficiaries to your super fund account? If so, you may have inadvertently exposed their super inheritance to future legal proceedings.
12 Dec 2014
One of the first questions people ask when discussing their retirement is "How much do I need to save to retire comfortably?" It's a good question; naturally, you want to be confident that your money will last as long as possible and allow you to maintain your chosen lifestyle.
12 Dec 2014
More than six months has now passed since the May Federal Budget. The Coalition Government's budget reforms are moving slowly ahead, albeit with a number of compromises and modifications.
23 Sep 2014
It is essential that anyone considering setting up or joining a Self Managed Super Fund (SMSF) has the information they need to make the right decision. If you want to establish your own 'Do-It-Yourself' super fund, there are many factors you need to think about.
19 Sep 2014
In previous editions of 'The Edge' we have looked at key Federal Government reforms impacting on the superannuation environment. One of these areas has been the changes to the 'Deeming of Account-Based Pensions' which will take effect from 1 January 2015.
04 Jul 2014
The end of one financial year and the start of the next is usually a great time to stop and think about new opportunities which may be available to enhance your overall financial well being. Most of us will have been impacted in one way or another by the changes announced in the May Federal Budget.
12 May 2014
With many recent changes to superannuation, it is important to be informed about how the new legislation will affect you and your family.
10 Apr 2014
There's no doubt that Self Managed Super Funds (SMSF) have received a lot of attention in the press over the past few years.
07 Mar 2014
Previously we detailed some important proposed superannuation reforms. At the time of writing, the outcomes of these proposals were still pending. The Federal Government has now made the following decisions in relation to each of these reforms...
06 Dec 2013
As parents much of our time, energy and money is directed towards ensuring our children have the best possible start in life, as well as providing them with the means to become productive members of society.
02 Dec 2013
How often do you stop and think about your future financial needs?
15 Nov 2013
Self Managed Super Funds (SMSF) currently comprise about one third of the $1.5 trillion superannuation sector - making it one of the hottest topics in finance at the moment. People are flocking to this sector in droves, often with limited understanding or knowledge regarding what is required to run their own superannuation fund.
10 Nov 2013
If you have a Self Managed Super Fund (SMSF) then like many trustees the chances are you are probably unaware of a rule which requires what is known as the central management and control of your SMSF to be conducted within Australia.
10 Oct 2013
I hate talking about morbid subjects such as death, however, having recently helped a client's family, I want to discuss a little known strategy called 'anti-detriment payments'. This strategy can help your family and increase the value of your estate.
11 Sep 2013
Are you still waiting for Mr Right to come along and make you financially secure?
05 Jul 2013
An area where I am receiving more and more enquiries is in regards to the borrowing provisions within superannuation. Commonly, clients are interested in buying an investment property within their self managed superannuation fund (SMSF), and utilising some borrowings to fund part of the purchase.
04 Jul 2013
Since self managed superannuation funds (SMSF) first became available as an option for holding superannuation balances in 1994 they have made the headlines, both in positive and negative ways.
02 Jul 2013
Getting married brings a whole new dimension to our planning objectives. Starting a family is also a time when protecting your loved ones takes on increased importance.
28 Jun 2013
You don't know what you don't know. There are many simple financial planning strategies available to many people.
20 Jun 2013
With the Global Financial Crisis (GFC) still fresh in investors' minds, I often get asked, "how do you know the stock market will continue to go up?"
20 Apr 2013
If recent media speculation is right, Simon Crean got his way and the changes to superannuation announced by the Government are nowhere near as draconian as some feared they may have been.
19 Mar 2013
Self managed superannuation funds (SMSF) continue to enjoy significant growth, but why? Is it just so investors can control their own investment decisions or is there more to it?
22 Feb 2013
We all know that we cannot always believe what we read, yet what else do we have? In the investment world this conundrum is an advertising manager's dream.
11 Feb 2013
The asset allocation of a portfolio simply refers to where and how much you have invested in each asset class (for example cash, fixed interest, property, Australian shares and international investments).
09 Oct 2012
It depends. The first question you need to ask yourself is why do I want to start a SMSF?