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6 May 2024
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In a monthly column to assist trustees, specialist Meg Heffron explores major issues on managing your SMSF.
Download Meg’s Facts and Figures 2023/24 for your records or print it out so you have all the latest information at your fingertips.
Disclaimer: The information, representations & statements expressed or otherwise implied in this article are based on laws in place at 30 June 2023, made in good faith and derived from sources and research believed to be reliable and accurate. Heffron Consulting Pty Ltd accepts no liability in respect of such representations or statements, whether by reason of negligence or any other matter whatsoever. This article is written without any specific knowledge of individuals’ situations. Any person acting upon such information without receiving specific advice does so entirely at their own risk. All rates are for the period 1 July 2023 to 30 June 2024 unless otherwise indicated. © Heffron Consulting Pty Ltd 2023.
Meg Heffron is the Managing Director of Heffron SMSF Solutions, a sponsor of Firstlinks. This is general information only and it does not constitute any recommendation or advice. It does not consider any personal circumstances and is based on an understanding of relevant rules and legislation at the time of writing.
For more articles and papers from Heffron, please click here.
Any idea of how the Relevant number is calculated I would appreciate an example where i can include my personal portfolio outside super + my total super to work out ( using the deeming ) for centreLink
The CSHC income thresholds were updated on 20-Sept-23 to $95,400 pa for singles and $152,640 pa for couples.
I would be appreciated if you could comment on my situation. I have a SMSF $1.7M tax free pension which made up from combination of CSS and my own fund. The CSS was not taxed until last year. This means that my $1.7M tax free pension is reduced. This because the original portion of the CSS component is no longer tax free. How can I top up my tax free threshold of $1.7M and who do I approach?. My accountant said the Legislation do not allow me to top up, is this correct?.
Great list and reminders. Some holiday study as well.
Rules for eligibility to contribute to super are simple but there are conditions regarding accessing the bring forward rule that may result in unintended tax consequences. Here's an overview of everything you need to know.
Every SMSF owner should take an interest in David Murray’s Financial System Inquiry because it asks some fundamental questions including issues around limitations, tax breaks, contribution limits and more.
Research now backs up the anecdotal claims that SMSF trustee confidence in the superannuation system is declining. The proposed Council with its independence and long term view will help address this.
The ATO has released all the superannuation rates and thresholds that will apply from 1 July 2024. Here's what’s changing and what’s not, and some key considerations and opportunities in the lead up to 30 June and beyond.
Life has radically shifted with my brain cancer, and I don’t know if it will ever be the same again. After decades of writing and a dozen years with Firstlinks, I still want to contribute, but exactly how and when I do that is unclear.
How useful are the retirement savings and spending targets put out by various groups such as ASFA? Not very, and it's reducing the ability of ordinary retirees to fully understand their retirement income options.
Australia will have 3.7 million more people in a decade's time, though the growth won't be evenly distributed. Over 85s will see the fastest growth, while the number of younger people will barely rise.
Investor disgust, consolidation, de-listings, price discounts, activist investors entering - it’s what typically happens at business cycle troughs, and it’s happening to LICs now. That may present a potential opportunity.
The $3 million super tax will capture retired, and soon to retire, public servants and politicians who are members of defined benefit superannuation schemes. Lobbying efforts for exemptions to the tax are intensifying.
Growth investors are using Buffett to justify buying blue chip stocks at almost any price. It’s a recipe for potential disaster, as investors in market darlings like CBA and Cochlear may be about to find out.
With Australia’s population moving through the fastest rate of growth since the 1950s, our cities and towns are naturally densifying. This is a look at the latest trends and how they will impact the property market.
We're nearing the end of the financial year and it's time for SMSFs and other super funds to make the most of the strategies available to them. Here's a 24-point checklist of the most important issues to address.
Nvidia has taken the world by storm and is now the third largest stock on the planet - larger than Meta, Amazon, and Alphabet. Here is the latest take on Nvidia from a fund manager who first invested in the company in 2016.
Despite being richer, surveyed measures of happiness have been flat to falling in Australia. Some suggest we should focus less on GDP and more on broader measures of wellbeing, though there are pros and cons to that approach.
In an era where growth companies dominate and the likes of Nvidia grab all of the attention, dividend paying stocks are flying under the radar. Some of these stocks offer compelling prospective returns.
After more than a decade of pitiful yields, bonds are back offering better prospects for income investors. What are the best ways to take advantage of the market inefficiencies in Australian fixed income?