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Home / Archives for Garth McNally

Articles by Garth McNally

Garth has worked in the Australian Superannuation industry for over 20 years with a specific focus on self-managed super funds. He provides ongoing support and training to individuals as well as to professionals working in the superannuation area, including advisers, accountants and lawyers. He is a regular contributor to industry publications and to the leading professional bodies including Chartered Accountants Australia & New Zealand (CA ANZ).

Q&A: Does the frequency of my employer contributions affect my portfolio growth?

Q&A: Does the frequency of my employer contributions affect my portfolio growth?

14 May 2025

Q: Does my employer only have to pay across the super fund contributions in quarterly intervals, as this impacts on the amount invested and growth of my portfolio?

Q&A: Can non-concessional contributions be made if the Transfer Balance Cap has been reached?

Q&A: Can non-concessional contributions be made if the Transfer Balance Cap has been reached?

6 May 2025

If you have previously reached your full transfer balance cap, but now you are well below the $1.9 million cap, can you undertake the bring forward rule and make a non-concessional contribution of $360,000?

SMSFs: Segregating assets in retirement phase

SMSFs: Segregating assets in retirement phase

29 April 2025

In some circumstances it can make sense to allocate assets to particular fund members. We explain the how and the why.

SMSFs: Investing in private companies

SMSFs: Investing in private companies

29 April 2025

Investing in unlisted or private companies is perfectly legitimate for SMSFs, but there are strict rules around how it’s done.

Q&A: Can we lend to our SMSF to buy a property?

Q&A: Can we lend to our SMSF to buy a property?

24 April 2025

Q: We’re looking to borrow money on our SMSF to purchase a property. Can we be the lender to the SMSF as we have surplus cash?

Managing capital gains tax in your SMSF

Managing capital gains tax in your SMSF

23 April 2025

It’s possible to reduce or even eliminate the amount of tax your fund pays on asset sales with these simple strategies.

EOFY: Getting your SMSF in order

EOFY: Getting your SMSF in order

23 April 2025

If you want to get your SMSF shipshape for June 30, then get cracking now.

Property development in your SMSF: What to consider

Property development in your SMSF: What to consider

23 April 2025

While property development is allowed in an SMSF, the rules restrict what can be done and how.

Divorce and superannuation: How it works

Divorce and superannuation: How it works

22 April 2025

Super is an increasingly important marital asset and one that should not be overlooked when couples divorce.

SMSF property loan paid off? What next?

SMSF property loan paid off? What next?

27 March 2025

After maximum loan terms were placed on LRBAs, many SMSFs are nearing the end of their loan and wondering about their options.

How to buy a commercial property and lease it through your SMSF

How to buy a commercial property and lease it through your SMSF

18 March 2025

Many restrictions that apply to the purchase of property via an SMSF don’t apply to commercial property. Here’s how it’s done.

SMSF property investment rules

SMSF property investment rules

18 March 2025

One of the attractions of having an SMSF is the ability to invest in real property, but strict rules apply.

How can I top up my super pension?

How can I top up my super pension?

26 February 2025

It’s possible to contribute to super after you retire, but there are rules you
must follow if you want to use these contributions to top up your pension account.

SMSFs reserves: What are the rules?

SMSFs reserves: What are the rules?

26 February 2025

Reserves can be a useful tool for SMSF trustees, but the ATO takes a dim view of anything that looks like tax avoidance.

What happens to my TTR when I turn 65?

What happens to my TTR when I turn 65?

24 February 2025

When you turn 65 a number of things happen to your transition to retirement pension – mostly good but there are traps to avoid.

Q&A: How is an SMSF member’s Total Super Balance calculated?

Q&A: How is an SMSF member’s Total Super Balance calculated?

15 February 2025

Q: How is the Total Superannuation Balance calculated for each individual member for an SMSF on June 30th of the previous year?

Transfer Balance Cap indexation: Opportunities for SMSF members?

Transfer Balance Cap indexation: Opportunities for SMSF members?

10 February 2025

The amount you can get into a super pension is about to increase,
presenting some useful strategies for existing and prospective retirees.

Can my SMSF invest in gold?

Can my SMSF invest in gold?

29 January 2025

Gold investments come in many forms, so SMSF trustees should understand the pros and cons, and compliance issues, with each.

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