Insurance via Superannuation – at what cost?
Firstly, insurance policies offered via superannuation may not always be suitable for every person, particularly those who have specific insurance needs. Examples include those requiring the added protection of an ‘own-occupation’ policy definition – such as surgeons. Such policy definitions were rendered incompatible with superannuation.
Selling a Small Business? A Way to Better Manage CGT
This case study focuses on the transition aspects and not the broader benefits of holding a commercial in an SMSF.
What GDP data doesn’t tell investors
This case study focuses on the transition aspects and not the broader benefits of holding a commercial in an SMSF.
How to Transition a Commercial Property into an SMSF
This case study focuses on the transition aspects and not the broader benefits of holding a commercial in an SMSF.
Medical rooms ownership: Opportunities and pitfalls
When the share-market does not see value or investment merit in a particular stock the stock’s share price will recede. This could be because the company’s earnings (i.e. profit) outlook is poor (e.g. Bega Cheese Ltd) or perhaps the industry in the which the company operates is struggling (e.g. ARN Media Limited).
But often someone or a company will see value where the share-market does not. The logical outcome of this is one of the more interesting aspects of investment: the merger or the acquisition. Or, in jargon: M&A.
Understanding the rise in mergers and acquisitions
When the share-market does not see value or investment merit in a particular stock the stock’s share price will recede. This could be because the company’s earnings (i.e. profit) outlook is poor (e.g. Bega Cheese Ltd) or perhaps the industry in the which the company operates is struggling (e.g. ARN Media Limited).
But often someone or a company will see value where the share-market does not. The logical outcome of this is one of the more interesting aspects of investment: the merger or the acquisition. Or, in jargon: M&A.
Is superannuation still your most efficient wealth creator?
The proposed new superannuation legislation that places an additional tax on superannuation earnings on balances above $3m creates an environment in which investments are unequally treated.
Investors who do not understand the nuances may end up paying more tax than they would otherwise pay.
Case Study: Wealth management for professional woman
Women face many challenges when it comes to building financial security. However, those who have a good income and outsource their wealth management can meet and exceed their financial goals.
How Relevant is the ASX in View of Large Takeovers?
A client recently asked some questions about the affect on the ASX of the takeover of companies by private equity funds and large industry superannuation funds. Craig Shepherd, our CIO, responds.
Trusts: Understanding Appointors and Successor Appointors
Many trusts, including many SMSFs, do not have an Appointor or a Successor Appointor. In times of disagreement between beneficiaries and the trustee this might be a costly omission, particularly if the matter requires litigation to resolve it.
New Tax on Superannuation: Update on Proposed Changes
In Act 3 of William Shakespeare’s Hamlet, the protagonist is in a state of both grief and shock having discovered that his father has been murdered by his uncle. Lucky for Hamlet that he didn’t have the intricacies of superannuation and death benefits to contend with.
Death Benefit Nominations – Estate planning
In Act 3 of William Shakespeare’s Hamlet, the protagonist is in a state of both grief and shock having discovered that his father has been murdered by his uncle. Lucky for Hamlet that he didn’t have the intricacies of superannuation and death benefits to contend with.
Are there sovereign risks to wealth for Victorians?
The irony is that Victoria needs to invest even more to provide amenity to the expected increased population growth.
Should Victoria fail to invest, higher public transport and health care costs will be the most significant risks to the cost and quality of living of families and individuals in the middle of the income wealth scale.
The difference between equities and other financial assets
It is during years such as FY-23 that some of the lesser appreciated aspects of equity investment come to the fore. For e.g., the ability to adapt and evolve.
Regulation of personal Financial Advice: The Beginning of the End to Red Tape?
Regulation of personal financial advice is always bureaucratic. The government has moved to simplify things, but the devil is in the details.
Tax Planning – No longer a rush job in June
In this article we will explore some of these misconceptions and key failings of superannuation that we think everyone should be aware of.
Superannuation changes: For many 15% tax becomes 30%. The devil is in the detail
No government policy has been changed as frequently as superannuation. But what do these latest changes mean for your retirement?
Small business owners: a successful wealth management case study
A small business owner and his or her partner face a unique financial challenge: their personal wealth management issues are woven into their business. Having served such clients for more than 22 years, we know that this integration presents both challenges and opportunities.
6 member SMSFs – does it make sense for you?
Since July 2021, Self Managed Superannuation Funds (SMSFs) have been permitted to have up to six members. How does this impact you and your family?