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The quest for secure retirement income:

For many, the long-held promise of the Australian superannuation system as the deliverer of sustainable retirement income is fading from view in an era of low-interest rates and rising risk. But the problem could be that many investors are…
Investing

A pivotal estate planning case study for SMSFs

The case of Wooster v Morris highlights the importance of forethought in succession planning where a self-managed superannuation fund (SMSF) is involved. The “risk” that needs to be managed — as demonstrated in this case — is to ensure…

Super downsizer scheme essentials

Under the superannuation downsizer scheme, people aged 65 and older can make a non-concessional (post-tax) contribution of up to $300,000 from the proceeds of selling what was once their family home. Downsizing enables more effective use of…

What the new Your Future, Your Super means for you

Recent legislative reforms to the superannuation arena are set to change the retirement savings landscape for many Australians. The Federal Government says the Your Future, Your Super reforms will help ensure superannuation works in the…

Steps to take when winding up your SMSF

There will most likely come a time when your SMSF will need to be wound up, with a change in members, the fund’s finances, perhaps separation or other family reasons among the many reasons why winding up the fund becomes necessary. For…

Choosing a Super Fund

How to compare and choose super funds Most people can choose which super fund they'd like their super contributions paid into. You can go with your employer's fund or choose your own. To find out if you can choose your super fund, check…
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The ATO’s eligibility requirements for SMSF trustees or directors

All members of a self-managed super fund (SMSF) must be individual trustees or directors of the fund’s corporate trustee. Anyone 18 years old or over can be a trustee or director of a super fund as long as they're not under a legal disability…

Managing your superannuation transfer balance account

Most people think of retirement as a time to put your feet up and relax, but it can also be a time when pre-retirees and retirees alike actually need to flex the grey matter. With all the rules and regulations swirling around the superannuation…

Super Success for Women

While women earn less and spend less time in the workforce than men, sharply eroding their super contributions throughout their working lives, there are some simple steps women can take to boost their retirement savings.   Sadly, this is something…