Franked dividends and franking credits for SMSFs
While interest rates have lifted off their historic lows, franked dividends from shares are still a happy hunting ground for income-seeking investors.
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In this section you can find articles which feature case studies to better illustrate how a super rule or strategy works.
Some of the topics covered include when you can afford to retire, how reverse mortgages work, how to reduce tax on TPD payments, the pros and cons of investing an inheritance into super, boosting retirement income with downsizer contributions, transferring shares into an SMSF, using a recontribution strategy, how to make the most of higher contribution caps and much more.
While interest rates have lifted off their historic lows, franked dividends from shares are still a happy hunting ground for income-seeking investors.
From 1 July, the annual amount you can contribute to super will rise. If you are planning to make a large non-concessional contribution, it pays to think about timing.
Using the bring-forward rule is a great way to put a larger contribution into your super account in a single year. Here’s what you need to know about the rules.
By withdrawing and recontributing some of your super, you may be able to reduce the amount of tax paid by your beneficiaries. Here’s how it works.
Growing your retirement savings needs the right mix of super contributions. Here’s some guidelines and case studies to help you think about what’s right for you.
Going over your annual limits for super contributions can cause problems and cost you money, so it’s important to know what to do if you have.
Making a personal contribution into your super can be a great way to boost your retirement nest egg and enjoy the tax-effective benefits of the super system.
Salary sacrifice can be a convenient and simple way to boost your super and reduce your tax bill at the same time. Learn how to get it right and the alternative to consider.
Concessional contributions make up most of the money going into your super account, so it’s important to understand what these are and how they work.
The Home Equity Access Scheme can be a great way to boost your retirement income by taking a loan from the government against the equity in your home.
If you’re finding it difficult to make ends meet in retirement, one solution to free up some extra cash could be to take out a reverse mortgage.
If you’re retired and caring for an ill or frail partner or family member, the government’s Carer Allowance can provide some useful extra income.
If you suffer a total and permanent disability, making the most of any TPD insurance you have in super is crucial.
If you are thinking about retiring but not sure whether you have enough super, it’s time to do some preliminary calculations.
There is mounting evidence that financial advice can be good for your hip pocket as well as your general wellbeing, but you need to be vigilant.
If you’re eligible and thinking about tapping into your super before you turn 60, it’s worth checking the tax implications first. In some cases, you may be better holding off for a while.
High-income earners pay extra tax on their concessional super contributions, so it’s important to understand the rules.
Your beneficiaries could end up paying more tax than necessary when they receive your superannuation death benefit if you don’t learn the rules that apply.
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