Superannuation

Blogs with the keyword "Superannuation"

Presidential tweets and inverted yield curves

28 Aug 2019

There has been a lot of media attention on inverted yield curves and what they say about an economy. Contrary to belief, it's not always an indicator of a looming recession.

Keeping it in the family

19 Aug 2019

We spend our life planning for what lies ahead, but it’s also important to think about what we leave behind. This article examines why it’s important to involve your loved ones in the discussion.

Advantages and disadvantages of insurance in super

19 Aug 2019

Find out what to consider when selecting your life insurance cover.

Investment market review - quarter ended 30 June 2019

19 Aug 2019

The Research team provides a performance summary and commentary on each of the five main asset classes.

What's new in super and tax this financial year?

19 Aug 2019

The 2019/2020 financial year introduces some new opportunities to save for your retirement through super. We also provide an overview of the ‘protecting your super’ legislation and personal income tax changes.

Toxic tech: is it time to take a break?

19 Aug 2019

In today’s technology-driven world, we’re expected to be available, online, at any time. But with frequent studies telling us technology overuse is bad for our productivity, our sleep, our relationships and even our mental health, is it time to go offline?

Tax & super tips for EOFY 2019

05 Jun 2019

Want to get the most out of your tax return this year? Shadforth shares tax-efficient tips and strategies for EOFY 2019.

Investment market review - quarter ended 31 Mar 2019

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.

Is it time to go off-grid?

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.

Shedding light on financial exposure

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.

Economic outlook for 2019

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.

Super dependants

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.

2019 Federal Budget announcement

03 Apr 2019

Find out how the Federal Budget proposals could affect you.

What I wish I'd known

29 Aug 2018

It can feel like an uphill battle to stay ahead of the game financially.

What's new for the 2018/19 financial year?

28 Aug 2018

The start of the new financial year brings a number of changes and some new opportunities.

Tax-effective strategies

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.

Federal Budget 2018/19

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.

The surplus cash flow trap

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?

Super opportunity for first home buyers and downsizers

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.

Super opportunity for downsizers

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.

Self-service super contributions

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.

A super opportunity for you this year

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.

Changing jobs? Time for a financial health check

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.

Big changes are coming to super

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.

Window of opportunity

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.

Could the change in the Age Pension assets test make it safer to take more risk?

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.

Who gets your super if you die?

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.

Federal Budget update 2016/17

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.

Did you know... that 56 is the new 55?

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.

Superannuation - don't let past mistakes influence current policy

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.

Planning for your beneficiaries

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.

Retirement - How much is enough?

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.

Keeping up with regulatory change

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.

SMSFs – The Devil is in the detail

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.

Acting ahead of Account-Based Pension changes

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.

Keeping your eyes on the prize

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.

Super is on the up, are you taking advantage?

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.

Is a Self Managed Super Fund right for me?

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.

Outcome on key reform proposals

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...

Protect yourself while helping your adult children

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.

Women and the retirement challenge

02 Dec 2013

How often do you stop and think about your future financial needs?

Self Managed Super Fund – is it really for you?

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.

The pitfalls of moving overseas with a Self Managed Super 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.

Anti-detriment payments: How your family can claim back your superannuation taxes

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.

How to grow your wealth if you forgot to marry well – one for the ladies

11 Sep 2013

Are you still waiting for Mr Right to come along and make you financially secure?

Borrowing inside superannuation – Beware the cash flow trap

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.

No longer a child. The need for SMSFs to act responsibly.

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.

Protecting your loved ones

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.

Take the free kicks!

28 Jun 2013

You don't know what you don't know. There are many simple financial planning strategies available to many people.

Have you checked the health of your SMSF lately?

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?"

Super still relatively simple

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.

Your SMSF. Your Choice

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?

The tricks of the trade

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.

Your superannuation asset allocation

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).

How much do I need to start a SMSF?

09 Oct 2012

It depends. The first question you need to ask yourself is why do I want to start a SMSF?

The impact of irrational decisions on investment performance

01 Jan 1970