Archive | Superannuation

PX-savings-2789153__340

New role for outcomes test and member goals

Recent regulatory proposals expand the existing scale test to an outcomes test by determining annually whether the fund’s MySuper products are meeting the clients’ best interests. Similar tests can apply to SMSFs. 

TRIS Transition income stream

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.

spaceship

Spaceship stalls on the launch pad

The marketing of Spaceship super has been better at engaging young people than any superannuation fund before it, but does it have the right product for a long-term flight?

estate plans

The impact of super changes on estate plans

The July 1 super changes will encourage many people to reconsider their estate planning, and the role of testamentary trusts should be part of the process. The range of choices has moved far beyond a will.

safe havens

Why 10/30/60 is no longer the rule

The old investment rule that assumed the majority of retirement income would come from late-stage earnings no longer applies when returns are low, placing more importance on early accumulation.

When no decision is the right one for super

When no decision is the right one for super

Superannuation funds strive for increased engagement from their members, but is there merit in the decision not to choose? Evidence shows default options perform well compared with the ‘choose your own’ path.

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