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19 August 2026
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Continuing our series on EOFY strategies, there are many things SMSF trustees should check immediately, with updated comments where relevant on the implications of the budget proposals.
Due to the complexity of superannuation law, it can be easy for SMSF trustees to miss out on some opportunities, including the use of reversionary pensions for tax and estate planning benefits.
When is family not family? In the case of SMSF members lending to their relatives, some are more 'related' than others. Even so, you still need to comply with arm's length transaction rules.
While it is possible for an SMSF to invest in overseas real estate, staying on the right side of the superannuation law and regulations in the foreign country may be more trouble than it’s worth.
Not all superannuation is the same. When making contributions after turning 65, it seems the rule for the work test is different for SMSFs and public funds.
The superannuation law allows SMSFs to borrow under a limited recourse borrowing arrangement to acquire an asset, but if multiple assets are involved, like a property on more than one title, things can get complicated.
Treasury’s latest CGT reform draft delivers a win for testamentary trusts and deceased estates, exempting estate-derived gains from the 30% floor. However, questions on death and divorce rollovers remain unresolved.
Average super balances are one of the most misleading benchmarks. They ignore your goals, spending and future needs, creating a false sense of security. Here is how I calculate exactly where I need to be at every decade.
Most people spend decades planning how to retire. Far fewer plan for what comes next. The biggest retirement challenge isn't always financial, and it often catches even the most prepared retirees completely off guard.
Most Australian portfolios are concentrated in large caps, with relatively little exposure to smaller companies. But what if the biggest risk isn't the economy, interest rates or valuations? For many, the risk is hidden in plain sight.
Many investors remain concentrated in shares, cash and property. Despite their popularity among institutional investors, real assets remain underrepresented in many SMSF portfolios. Could they be the missing piece?
Investors spend decades learning how to stay invested, yet few have a plan for getting out. When a financial goal has a hard deadline, a worked example shows why a fixed derisking schedule should outrank buy-and-hold discipline.
Why have active managers struggled as passive investing has surged? Research suggests that flows into index funds and ETFs are creating structural headwinds, penalising the stock-picking strategies that once generated alpha.