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4 April 2025

Home / Smsf Advice

Smsf Advice

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Low SMSF returns highlight value of retirement advice

Long periods of low returns are likely to compromise retirement goals that were set some years ago. This places greater importance on retirement advice and not assuming average returns and lifespans.

Advantages of splitting superannuation contributions

Contribution splitting allows a super member to split up to 85% of concessional contributions received in a financial year with their spouse, and there are times when this is a good strategy.

When does an SMSF qualify as a ‘wholesale’ investor?

Qualifying as a 'wholesale' investor opens many investment opportunities not available to most retail investors, but the interpretation of the rules is inconsistent across the industry.

Lending policies can spoil good SMSF strategies

It's one thing to know the super and SMSF legislation and devise an appropriate strategy, but it's quite another if it can't be implemented in practice. Especially when bank lending policies are involved.

Why only four members in an SMSF?

My extended family has well in excess of four people in it and we currently have four separate SMSF's which quadruples the costs and time involved in managing the funds. Why is there a limit on the number of fund members?

Painful transition to FOFA will pay off in the long term

FOFA demands higher professionalism, improves client confidence and presents opportunities for reputable advisors. The cleansing effects of the legislation are expected to outweigh the costs in the long term.

Estate planning for families with carer responsibilities

Gifting an estate absolutely may not be ideal for family dependants who are unable to look after their own financial affairs. Plan ahead and check these tips if you are the carer for a family member.

Technology advances key to improving delivery of intra-fund advice

Revolution in the application of technology to the delivery of financial advice, in all its different forms, is critical if the issues around quality and access are to be meaningfully addressed.

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