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30 June 2022
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With the increase in the concessional cap to $27,500 on 1 July 2021, a contribution reserving strategy could allow a member to make and claim deductions for personal contributions of up to $52,500 this year.
Changes implemented by super reforms since 1 July 2017 have brought greater incentives for spouses to equalise their superannuation balances, including tax and estate planning benefits.
It has become more difficult to build large superannuation balances with contribution caps and more people paying off home loans for longer. How can wealthy parents help their adult children?
What to do if super guarantee payments from multiple employers, combined with salary sacrifice arrangements, have resulted in a breach of the concessional contribution cap.
Super contribution changes that took effect on 1 July 2017 and other changes coming in from 1 July 2018 aren't all negative, leaving opportunities over the next few months to make the necessary adjustments.
The new downsizer contribution legislation can assist older Australians to contribute to super by selling their main residence (without actually downsizing) but could affect their age pension.
The implications of the superannuation reforms did not end in 2017, and SMSF trustees should stocktake what they can do, especially focussing on the CGT and the unique definition of retirement for super.
With super changes a week away, this is the last chance to act on transition to retirement adjustments, resetting CGT cost bases or contributions under the higher limits.
Respondents offered hundreds of comments on the impact on their voting of the proposed superannuation changes. Many changed their vote and the majority expect amendments to the proposals.
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.
It's not just super contribution limits that have changed since 1 July. The ability to provide insurance policies through SMSFs has been redefined and the ATO can now utilitse new administrative penalty powers.
A quick explanation of what’s going on with recent changes around super and tax. Financial planners are already working on ways to minimise the impacts for their clients.
With 62% of Australians aged 65 and over relying at least partially on the age pension, are they better off owning their home or renting? There is an extra pension asset allowance for those not owning a home.
With 700 Australians retiring every day, retirement income solutions are more important than ever. Why do millions of retirees eligible for a more tax-efficient pension account hold money in accumulation?
A fund manager argues it is immoral to deny poor countries access to relatively cheap energy from fossil fuels. Wealthy countries must recognise the transition is a multi-decade challenge and continue to invest.
Equity investing comes with volatility that makes many retirees uncomfortable. A focus on income which is less volatile than share prices, and quality companies delivering robust earnings, offers more reassurance.
Using the nine dimensions of well-being used by the OECD, and dividing Australians into Baby Boomers, Generation Xers or Millennials, it is surprisingly easy to identify the winners and losers for most dimensions.
What was bothering markets in 2006? Try the end of cheap money, bond yields rising, high energy prices and record high commodity prices feeding inflation. Who says these are 'unprecedented' times? It's 2006 v 2022.