Super perks, Tax offsets, Best and worst funds, SMSF wind-up costs, share transfer to your SMSF, Adjusting to retirement.
Highlights of the October 2021 edition of the SuperGuide Premium newsletter include:
- PERK UP YOUR RETIREMENT: From tax savings and cheaper insurance to estate planning, there are more benefits to super than you might think.
- SAPTO, LMITO, LITO: Never mind the acronyms, check out the tax savings for eligible seniors and lower income earners.
- HOW DID YOUR FUND PERFORM? A new survey sorts the super fit cats from the fat cats and shares tips on how to spot them.
- YOU’RE WINDING ME UP: All good things come to an end, even your SMSF. Here’s what costs to expect when you wind up your fund.
- MAKING AN IN SPECIE TRANSFER: We walk you through the process of transferring shares into your SMSF.
- RETIREMENT SURPRISE PACKAGE: Our retiree panel reflect on life after work, and the things that surprised them most.
Draft retirement income covenant released, TWUSUPER calls off EISS merger, Superannuation industry at risk of losing billions due to climate change, SMSFs must use SuperStream for rollovers, Financial services coalition calls for broad financial compensation scheme, Design and Distribution Obligations (DDO) go live.
There are lots of overlooked benefits that come with your super account, so it’s worth checking out what’s on offer.
Small APRA funds are often overlooked, but they offer valuable benefits if you want more control of your super investments without the trustee responsibilities.
If you are wondering why you have so little super to show for all your hard work, it may be time to search for super accounts you forgot you had.
Super funds continued their winning streak in January, with the median Growth fund up 1% over the month.
If you are eligible for the Age or DVA pension you could be in line for a handy tax rebate, depending on your taxable income and relationship status.
Low-income earners may be eligible to reduce their tax bill by as much as $700, without lifting a finger. Check our guide to who’s eligible and for how much.
The amount of tax you pay will depend on your assessable income less a host of tax deductions and offsets. Here are the latest rates and thresholds.
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If you’ve ever wondered if you can transfer shares or a business property into your SMSF, the answer is yes but strict rules apply.
Moving assets into the lower-tax super environment can be a rewarding strategy. This is how it’s done.
Investing in international shares has never been easier, but it’s important to understand the potential impact of currency fluctuation on your investment returns and how to mitigate the risks.
With an SMSF you can buy the property used by your business to become your own landlord. But how do you ensure you stay on the right side of the tax man?
If you’re new to SMSFs then you may also be new to minute-taking. If so, we request a minute of your time to guide you through the process.
SMSFs have many attractions but keeping up with the admin is not one of them. Here’s what you need to know to stay on the right side of the law.
Research shows your spending in retirement depends not just on how much you have in your nest egg, but also on the phases you go through as you age.
Working out how much income you will need in retirement is no easy task, but some simple rules of thumb may provide an estimate to start the planning process.
Choosing the right calculator to work out your retirement income is important, as different calculators work on different assumptions, allow different inputs and provide different results
Sequencing risk can ruin even the most carefully planned retirement, with losses and low returns as you move into retirement reducing how much you can spend.
Market volatility and economic uncertainty can wreak havoc with retirement plans, so it’s important to develop strategies to ensure your savings last the distance.
Before retirement, the focus is often on preparing our finances. After retirement, our changing priorities can come as a surprise.
The investment return on your super pension account is just as important as the returns you earn on your super while you are working, as this simple ‘rule of thumb’ demonstrates.
Selecting the right investment option for your super pension has a big impact on how much money you can spend during your retirement years.
A government concession card to get cheaper healthcare can make a big difference to your retirement budget – and you don’t need to be on the Age Pension to qualify.