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Your super questions answered.

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
The Australian Taxation Office occasionally “disqualifies” certain people,  which means they can never again be the trustee of an SMSF.

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

The government has emphasised that super is not an estate planning asset.

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
The six-bedroom house on 902 square metres at 4 Haining Avenue in western suburban Perth’s Cottesloe sold by private treaty for $3.8 million.

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
A crypto asset manager has warned of the “billion dollar ticking time bomb” around SMSF investing in digital assets.

‘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
The tax does not apply to all earnings on a member’s balance above $3 million; this seems to be a common misconception.

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
Your super questions answered.

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
Farmers may be forced to sell property if they have to pay tax on unrealised gains in the value of their farms.

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


Your super questions answered.

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
Anyone leaving a super fund will have their super balance reduced by any capital gains tax owing if these assets have grown in value.

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

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
Your super questions answered.

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
Rob Pradolin.

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
The ranks of the “established affluent” in Australia swelled by 45,000 people last year, on the back of strong market returns and property valuations.

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
Escala has been hit by a spate of departures amid concerns over its pay structure.

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
Older, wealthier retirees will be hardest hit by Labor’s proposal to double tax on superannuation balances above $3 million.

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

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