No matter how far away retirement is for you, it’s never too early to plan for it. Especially given the result of new research, which shows that as much as half of working Australians retire with debt, and 20 per cent still have a mortgage when they stop work. The trend has largely been attributed to our current older generation being … Read More
Are you having a punt on your super?
Melbourne Cup has only just passed us by, but the fact is many of us are hoping to pick a winner with our retirement. It’s great to have a flutter on the horses every now and then, but when it comes to your retirement, there are much better strategies around than simply leaving it to chance. If you are hoping for … Read More
Why putting family first can be a bad financial plan
Do you have children trying to get into the property market? Are your children wondering if it will ever be possible to buy a property? Outgoing Reserve Bank governor Glenn Stevens stated last month that the only way for young people to get onto the property ladder in Australia’s most heated market (that’s Sydney, by the way) is with the … Read More
Retirement: To stay or go?
There is no end of financial advice on retirement: superannuation, investments, tax minimisation, pension eligibility, funding your desired lifestyle… the list goes on. One thing all the different advice has in common is the importance of planning ahead: The sooner you start planning for retirement, the better off you’ll be. One of the biggest decisions for many retirees is whether … Read More
No need to panic about SMSF property changes
Recent changes to property investment rules for self-managed superannuation funds are no cause for panic, with some trusted advice still ringing true for SMSF managers. Industry groups and financial experts have spent the past few months speculating on whether the financial system inquiry, headed by former CBA chief David Murray, will result in the federal government banning SMSFs from borrowing … Read More
Staying on top of superannuation news
It’s a world of red tape out there, and the super industry is wrapped up tight. For many investors, employers or financial advisors they are responsibe for staying up to date with superannuation changes, tricks and quirks. But what happens if you manage your own SMSF? We’d recommend finding a trusted specialist in the SMSF field, but even with an … Read More
The great SMSF property secret
Increasing numbers of people are choosing to self-manage their superannuation, and it’s a fantastic way to keep tabs on your retirement nest egg. But it also means keeping on top of the ever-changing and often complex SMSF landscape. My hottest tip for SMSF managers is to use property to leverage your eventual super stash. Many investors are not aware that … Read More
Buying property for your self-managed super
Traditionally super funds have been all about investing for your retirement, juggling stocks, shares and cash investment options or letting your fund do all of that for you and hoping for the best when it’s time to transition from working life. Now there is a trend towards setting up a self managed super fund (SMSF) for more control of your … Read More
New tax year tips for your self-managed super
Tax time can be a real bore, but instead of making it feel like a chore it should be looked at as an opportunity to do a financial ‘spruce-up’. Things could be moving along healthily at the moment but it’s a great idea to do some spring-cleaning and take a closer look at your investment and retirement planning. It’s never … Read More
Three tips for self-managed super in Sydney
Managing your own super is fast becoming a popular option for people who want to get more from their investments when the time comes to retire. It may not be obvious, but self-managed super in Sydney can include property investments as well as the range of other options traditionally associated with a super fund. Property investment is a smart choice … Read More
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