SUPERANNUATION PLANNING & ADVICE
Who gets your super?
Who decides what happens to your superannuation savings when you die? You may think that you do, but that isn’t always the case. The ultimate decision may be made by …
Super success for women
While women earn less and spend less time in the workforce than men, and while this sharply erodes their super contributions throughout their working lives, there are some simple steps …
Not ready to retire? This might be another option
The word “retirement” conjures up many images. While most baby boomers might be dreaming of more time on the golf course or booking a cruise, you might be thinking about …
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Borrowing within your SMSF – is it a good idea?
Investing in property seems part of every Australian’s DNA. No matter where you buy, prices appear to be on a permanent skyward march with none of the unnerving fluctuations seen …
Will the recent increase in your super result in a pay cut?
Superannuation guarantee (SG) rates will increase from 1 July 2021. While this is good news for our retirement nest eggs, some employees may feel the impact with a deduction to …
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2021-22 Federal Budget Analysis
On 11 May 2021, the Government handed down the 2021-22 Federal Budget. Whilst this marked a return to the traditional timing of the budgetary processes, the content of the 2021-22 …
Superannuation transfer balance cap changes coming on 1 July 2021
The Transfer Balance Cap (TBC) began on 1 July 2017. It is a lifetime limit on the total amount of superannuation that can be transferred into retirement phase income streams, …
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Wealth creation using superannuation – a case study
Back in the days of “normal” interest rates the simple answer to the question “what do I do with any surplus savings?” was “pay off debt”. That’s still a sound …
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The value of financial advice when tragedy strikes – a personal story
The story below was written by one of our long-time clients Kelly Exeter who lost her husband Anthony (Ant) in a freak accident two years ago. It is rare but …
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Salary sacrificing into super
If you are earning more than you need to live comfortably, salary sacrificing may be an attractive option to reduce your tax, boost your superannuation and prepare for a more …
Superannuation is not a case of ‘set and forget’
The government regularly reminds us that each Australian must take responsibility for funding their future. Regardless of when you will be able to access your super, or when you choose …
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Salary sacrifice vs personal contributions to super
If you are an employee, there are two ways in which you can optimise the tax effectiveness of your additional super contributions: opt for a salary sacrifice arrangement, whereby your …
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The upside of a market downturn
Most people view share market downturns as unequivocally bad events. Suddenly, hard-earned savings aren’t worth as much as they were yesterday. It seems as if our money is evaporating, and …
If you think you’d never fall for a scam, read this
If you are aged over 50, male, highly educated, financially literate and manage your own super, beware. You’re at a higher risk of being the target (and victim) of organised …
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How much income do you need in retirement?
Many people will say they are dreaming of retirement, but some are not taking the necessary action to make it a reality. In fact, there are not too many people …