Articles by
Garth McNally
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Webinar: SuperGuide members Q&A: December 2026
UpdatedIn this webinar super expert Garth McNally answers recent questions from SuperGuide members.
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Had enough of your SMSF? Your options for leaving or winding it up
UpdatedLeaving an SMSF and winding one up are different decisions, each with its own alternatives, steps and costs to weigh before you move any money.
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SMSF software: Better records, fewer year-end headaches
UpdatedThe right SMSF software can cut hours of manual entry, as long as you know what it can automate and which records it can’t replace.
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ATO focus areas for SMSFs in 2026–27
UpdatedWhat the ATO is targeting in SMSFs for 2026–27, where trustees are most exposed and the records that protect your fund.
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How to record SMSF minutes (with examples)
UpdatedRecording SMSF minutes is not only a good habit to get into, it’s a legal requirement. Find out what to record, how long to keep minutes, and see two templates you can adapt.
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SMSF contributions reserving: How the timing strategy works
UpdatedContributions reserving lets SMSF members claim a deduction this year for a contribution that counts towards next year’s cap. Get the timing or paperwork wrong, though, and it can backfire.
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Webinar: My retirement plan: How to build yours, step by step
UpdatedIn this workshop, we’ll use SuperGuide’s new My retirement plan template to build a plan for a fictional couple. We’ll cover their spending, savings and whether a retirement calculator says they’re on track. Independent financial advisers will then discuss the harder decisions and answer questions members submit when they register.
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SMSF investment strategy health checklist
UpdatedA periodic health check of your SMSF’s investment strategy not only helps ensure your fund is working well for you, it’s also a requirement of the super rules and regulations.
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Where are we now? Pending and recent superannuation changes
UpdatedPayday Super has started, Division 296 is law and SMSFs can no longer borrow to buy residential property. Some other superannuation changes are still a long way off.
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The importance of liquidity in an SMSF
UpdatedA self-managed super fund can look wealthy on paper and still be unable to pay a pension on time. Liquidity is the difference.
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The SMSF trustee declaration explained
UpdatedEvery SMSF trustee or corporate trustee director must sign their own ATO trustee declaration. Skip it, and the ATO can penalise every trustee individually.
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Should you develop a retirement income strategy for your SMSF?
UpdatedThe Retirement Income Covenant doesn’t apply to SMSFs, but the reasoning behind a retirement income strategy still applies to your fund.
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Asset allocation: Building a strong retirement investment plan
UpdatedThe most important investment decision you make may not be about what you invest in, but how you allocate it across growth and defensive assets.
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Webinar: Related party transactions: The SMSF rules you need to know
UpdatedIn this webinar super expert Garth McNally answers recent questions from SuperGuide members.
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Commuting an SMSF account-based pension
UpdatedCommuting a pension gives SMSF members flexibility, but getting the timing wrong can cost you valuable tax concessions.
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SMSF reform measures: What’s been proposed for 2026
UpdatedProposed SMSF reforms could mean new rules before you can even set up a fund, and new obligations once it’s running.
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Should you start a pension in your SMSF? Weighing up the pros and cons
UpdatedStarting an SMSF pension unlocks tax-free earnings, but locks in minimum payments and cash flow demands you can’t easily undo.
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Everything SMSF trustees need to know about rebalancing
UpdatedSMSF trustees need to keep their fund’s investments within its stated asset allocation, and know when and how to rebalance if markets push it off track.
