Today
Can I give my money to kids and still get the age pension?
Questions from parents asking about gifting money to children have been quite common this year, say advisers.
- John Wasiliev
- Opinion
- Superannuation
What happens if you make an illegal raid on super to ease tough times
More SMSF trustees are being caught out by the ATO illegally accessing their retirement savings – this is how they’re dealt with.
- Meg Heffron
This Month
- Opinion
- Opinion
How to stop your super fund running out of money when you retire
‘De-risking’ your investment strategy is critical as you get older to retain your cash flow requirements and preserve the capital in your SMSF.
- Ben Smythe
This $3.8m sale shows the pressures on downsizers
In a low-stock market, vendors want longer settlements. But the rising cost of living means they’re also putting more money into super when they sell.
- Michael Bleby
‘Billion dollar ticking bomb’ for SMSFs buying bitcoin
Crypto’s explosion in popularity has seen SMSF investors buy Bitcoin and Ethereum but some exchanges do not give investors formal custody.
- Mark Di Stefano
- Opinion
- SMS Management & Technology
Super to maintain mantle as ‘preferred’ investment vehicle: KPMG
Plans to impose extra tax on super balances over $3 million may not prompt the wholesale revamp of investments that some have suggested, writes Julie Dolan.
- Julie Dolan
- Opinion
- Super Q&A
Contributing to super can be wiser than drawing a tax-free pension
Should everybody start drawing a pension from their superannuation as soon as they hit 65 to get the tax benefits? Not necessarily.
- John Wasiliev
SMSFs forced to sell to cover $3m super tax: study
Farmers and small business owners were particularly likely to be forced to sell assets to finance the tax, the study shows, with 13.5 per cent of affected SMSFs too illiquid to pay the tax without sales.
- Hannah Wootton
Labor changes helping to ‘end super’s reign’ as top wealth builder
Financial advisers claim many investors are for the first time considering alternatives to superannuation.
- Duncan Hughes
September
Can I withdraw $500,000 from my super fund as a lump sum?
The answer is yes, but how you do it could make all the difference to potential inheritance top-ups later.
- John Wasiliev
- Opinion
- AFR Weekend
Don’t switch super funds without doing these five things
Careful planning can make the world of difference. Don’t be too trigger-happy when it comes to initiating the transfer via myGov.
- Meg Heffron
- Opinion
- Opinion
This is the smart way to ensure regular cash flow in retirement
Portfolio rebalancing is the secret sauce that makes moving away from a reliance on income possible.
- Ben Smythe
Keep a cool head when planning for mooted tax rise on super over $3m
Investors should be cautious about changing their long-term strategies.
- John Wasiliev
Retirees to feel the sting if same job, same pay hits BHP
The mining giant, a favourite investment of the superannuation sector, warns that the $1.3 billion revenue hit it expects from the reforms will come from its dividend pool.
- Hannah Wootton and Lucy Dean
The new way to unlock ‘hundreds of millions’ for affordable housing
The first national platform for affordable housing would also show for the first time where around the country all the homes were located.
- Michael Bleby
45,000 Australians joined the ‘established affluent’ last year
Resurgent sharemarkets and a rebound in property prices helped an extra 45,000 Australians join the ranks of the “established affluent” last year, an increase of 25 per cent.
- Joanna Mather
Crestone swoops on disheartened Escala advisers
Among those who have decamped include plenty of big business writers, namely Paul Sealy, one of the wealth management outfit’s founding partners.
- Sarah Thompson, Kanika Sood and Emma Rapaport
Who will be hardest hit by new tax on big super balances
An analysis of more than 200,000 self-managed super funds shows that more than a third of people affected by the doubling of the tax rate on super balances over $3 million are 75 years or older.
- Joanna Mather
How to run a property business from your super fund
A reader asks whether his SMSF can start a self-storage enterprise where he owns the land and the fund buys the rest.
- John Wasiliev
- Opinion
- Opinion
How family super funds can boost wealth
New rules that allow SMSFs six members rather than four offer opportunities for transferring assets to the next generation, as well as boosting contributions.
- Peter Burgess
