This Month
- Opinion
- SMSFs
What happens to your super after you die comes down to this choice
Your money can go to your beneficiary either as a regular pension payment or as a lump sum death benefit.
August
- Opinion
- Superannuation
Why superannuation is the ultimate antidote to market slumps
The tax benefits of superannuation are so great it’s difficult to lose money.
July
- Opinion
- Superannuation
Spending a few hours on this now will make you richer later
Work through these 11 steps to grow your superannuation faster.
June
- Opinion
- Income tax
How to cut tax if you have an employee share plan
Don’t assume the taxman won’t come knocking – this is how it works and what you can do to soften the blow.
April
- Opinion
- SMSFs
The rule book on investing in cars, wine or diamonds
Because they’re classified as collectable or personal use assets, strict rules apply to their acquisition, storage, insurance and use if held by an SMSF.
- Opinion
- SMSFs
What SMSFs need to know as ATO cracks down on illegal access to super
More than $630 million has been accessed illegally from SMSFs. Here’s what you need to know to stay on the right side of the law.
February
- Opinion
- Superannuation
How to take advantage of higher superannuation contribution caps
If you make voluntary pre-tax contributions, the increased cap may mean a bigger deduction and tax saving.
- Opinion
- Superannuation
Three ‘tricks’ to get $2m into your super in a year
Maximising contributions after selling a small business can add $2,062,500 to your retirement savings.
January
- Opinion
- Superannuation
This super catch-up contribution can help you avoid a big tax bill
It’s one of about eight key retirement saving opportunities – but don’t leave it to June 30.
December 2023
- Opinion
- SMSFs
How to respond if the ATO contacts you about super contributions
It should be easy but many taxpayers are befuddled by the process of making personal deductible contributions to super.
November 2023
What you’ll owe under new super tax if your balance hits $3.5m
There are nine key takeouts on how it will work, plus how to plan ahead to minimise the impact.
September 2023
- Opinion
- Superannuation
Ten ways you can get the most out of your retirement income
An account-based pension is used by most retirees. This is what you need to know before starting one.
August 2023
How to access your super early when times are tough
Early release of super is possible only in limited circumstances, such as severe financial hardship and compassionate grounds.
July 2023
- Opinion
- Superannuation
Here’s how to turbocharge your super this financial year
Salary sacrificing, sharing with a spouse and a downsizer bonus among the strategies you can use to maximise super.
June 2023
- Opinion
- Superannuation
What you need to know before topping up super ahead of June 30
If you want to make a last-minute contribution to get a bigger deduction and tax saving, you’d better snap to it. This is what to do.
May 2023
- Opinion
- Federal budget
This is how you’ll be taxed if your super balance is over $3m
With many super changes leaked beforehand, this is how the new tax will work, as well as other budget changes to your retirement savings.
April 2023
- Opinion
- Superannuation
Action stations before July 1 when pension cap moves to $1.9m
Watch this space if you’re on a transition pension or thinking about moving from accumulation to pension phase.
- Opinion
- Property downsizing
How to work out whether a downsizer contribution is really worth it
Just because you can do this from 55 doesn’t mean you should. Depending on your circumstances, you could be better off waiting.
February 2023
- Opinion
- Superannuation
What new $1.9m pension cap means for super inheritances
The higher limits on tax-free pension accounts could mean more for your beneficiaries.
February 2023
- Opinion
- Superannuation
Super contributions that come back to bite you (and how to avoid it)
Personal top-ups can trigger excess contribution edicts from the ATO, leading to a chain of unwanted consequences.