The three main issues for SMSFs today are the complexity of super rules, unmet financial advice needs and changes in asset allocations both aggressively and defensively.
Archive | SMSF Strategies
2. Drilling down into latest SMSF allocations
A deep dive beneath the headline numbers shows exactly which funds and shares SMSFs invest in, confirming that the average allocation to global shares is higher than many claim.
5 factors for SMSFs investing in residential property
Should SMSFs invest in residential property, should they borrow to do it and what is the impact on housing affordability and market stability?
Pension income and segregation in an SMSF
A more detailed response to comments on the previous article requesting clarification on the ability to segregate assets in superannuation, especially for SMSFs and members with over $1.6 million.
Accessing super before retirement
Transition to Retirement Income Streams are no longer tax-free, but you can still access your super before retirement if you meet certain conditions, and there are strategies to reduce the tax paid.
Does DIY super make sense?
Managing their own superannuation might be a good idea for some, but maybe not for others. Decisions on asset allocation, fees and structure all take time and skill, or should it be left to professionals?
Final sprint to three major super changes
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.
Top 10 tips for SMSFs before 30 June 2017
It is not a standard end of financial year, as there are many items SMSF trustees and super members should check immediately, especially with the changes taking effect from 1 July 2017.
Why ‘total superannuation balance’ is important for SMSFs
In addition to the $1.6 million transfer balance cap, SMSF members should also understand the concept of ‘total superannuation balance’ to stay within the rules and make the most of contribution opportunities.
Catch-up contributions are a tax planning opportunity
Deferring concessional contributions to a year when an individual’s taxable income is higher by making ‘catch-up’ contributions can create a sizable tax arbitrage between tax paid within the fund and tax paid personally.
Five urban myths about super changes
When changes to regulations are as extensive and complex as the coming 1 July rules, many misconceptions about how they work arise for both advisers and their clients. Here are a few common mistakes.
SMSF investments do not match objectives
Many SMSF trustees are expecting miracles from their portfolio, setting them up defensively to deal with risk while expecting returns over 10% a year. Something’s got to give.
Applying CGT relief for SMSFs and TTR pensions
Despite the confusing and technical nature of the CGT relief rules, it’s important for SMSF trustees and advisers to consider their implications as decisions need to be made prior to 1 July 2017.
Do new rules create incentive for single member SMSFs?
Unless all members of an SMSF or SAF are of the same age and have the same retirement goals, the new super rules look like complicating tax payments when one member is in pension and the other accumulation.
