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14 March 2025
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As 30 June approaches there are many things SMSF trustees must consider to maintain a complying superannuation fund as well as take advantage of tax benefits. Here’s Monica’s top ten things for the ‘to do’ list.
If your SMSF receives contributions from an unrelated employer, you need to prepare now for changes to the way contributions are received which come into effect on 1 July. Paper transactions will soon be a thing of the past.
Division 293 tax has arrived and many high income earners have already received an unexpected tax assessment on their super contributions. Find out the details and whether this new tax will affect you too.
If your SMSF loses residency status while you are overseas, the tax penalties are significant enough to spoil your retirement. Being aware of the rules and options available allows you to avoid the hurt and enjoy the homecoming.
There are stringent rules and regulations to follow when an SMSF borrows to invest in property. And despite what you might hear in the market, your SMSF cannot be used to pay off the home you live in.
Using a limited recourse loan to buy property within a SMSF sounds great but the restrictions on such arrangements will work against you when it comes to improving or developing the land.
The intergenerational wealth transfer, largely driven by a housing boom, exacerbates economic inequality, stifles productivity, and impedes social mobility. Solutions lie in addressing the housing problem, not taxing wealth.
With an election due by 17 May, we are effectively in campaign mode with the Government announcing numerous spending promises since January and the Coalition often matching them. Here's what the election means for investors.
Your chances of having a comfortable retirement are not only dictated by your super fund's investment returns. Investors must also consider the risks of longevity, inflation, and not sticking to the plan.
The global economy faces renewed protectionism with President Trump's tariffs sparking retaliatory actions and causing market volatility. Historically, quality companies have shown resilience amid trade tensions and uncertainty.
Major equity indices will need to defy history if they are to deliver anything like the returns of recent years. In a rapidly changing environment, investors may need to look further afield for the next winners.
Most superannuation products offered to working-age Australians are now performance-tested, and there are calls to extend these tests to account-based pensions. It's likely to result in more pain than gain, though.
The more aggressively you try to compress your timeline and chase that one massive windfall, the more likely you are to stumble. Here's a better approach, using examples from The Battle of Britain, tennis, and Charlie Munger.