Your Essential 2019 EOFY Checklist

No one wants to pay more tax than they need to or face unnecessary risks. We’ve compiled a list of our top tips for you. Superannuation Opportunities before EOFY  Maximise super contributions Ensure that you have maximised your annual concessional (tax deductible) and non-concessional (undeducted or after-tax) super contributions. The following summarise the contribution caps […]

Read more

Protecting Your Super Legislation: Inactive Accounts & Insurances

The Protecting Your Superannuation (PYS) Package Bill was passed by Parliament in February 2019 and is designed to protect member balances and hold trustees more accountable. The Package introduces a number of changes, including a complete ban on exit fees, a cap on fees for low balance accounts, insurance cancellation for inactive accounts and transferring […]

Read more

Protecting Your Super Legislation: Inactive Low-Balance Accounts

The Treasury Laws Amendment (Protecting Your Superannuation Package) Act 2019 introduced a new category of accounts that need to be reported and paid to us – inactive low-balance accounts. To protect accounts from fee erosion, inactive low-balance super accounts will be transferred to us and, where possible, we will proactively consolidate your super on your behalf. Inactive Low-Balance Accounts […]

Read more

Left Out Of A Will, Want To Put It Right?

Where’s there’s a Will, there’s sometimes a Way – to upturn it. Karl Lagerfield died last month.  According to Le Figaro, his cat Choupette was to inherit a good bit of his estimated $300 million fortune.  She’s no retiring feline, this one, she has her own Instagram account.  Here is an image of Choupette with […]

Read more

Inflation undershoots in Australia – why it’s a concern, is the RBA running out of ammo & what it means for investors?

Introduction Surprisingly weak Australian inflation has led to expectations the Reserve Bank will soon cut rates. But what’s driving low inflation? Is it really that bad? Why not just lower the inflation target? Will rate cuts help? And what does it mean for investors? Inflation surprises on the downside again Australian inflation as measured by […]

Read more

ATO Doubles Rental Deduction Audits

In the 2017-18 financial year, more than 2.2 million Australians claimed over $47 billon in deductions and the Australian Taxation Office (ATO) thinks that is too much – one in ten is estimated to contain errors. The ATO expects that 4,500 audits of rental property deductions will be undertaken this year with the focus on […]

Read more

A Labor Government on Tax & Super

We examine some of the pivotal policies from the ALP on tax, superannuation and business. Tax on investment property In general, taxpayers are able to deduct from their assessible income any expenses they incur generating or producing that income. An investment is negatively geared when the cost of owning the asset is more than the […]

Read more

Going Up: Buying High Rise Strata Just Got Better, or Did It?

The Opal Tower failure in Homebush Bay has heightened fears about high rise residential building defects.  Only last year the combustible cladding drama resulted in new laws and from 22 February 2019 all residential apartment owners must have checked for external combustible cladding and if affected, registered with the NSW Government Now, post-Opal, the big […]

Read more

Hybrid Securities

Hybrid securities may be issued by well-known companies, banks and insurers, but they are very different from other fixed interest investments.  Hybrid securities can expose you to ‘equity-like’ risks but only give you ‘bond-like’ returns. Some allow the issuer to exit the deal or suspend interest payments when they choose. Others may convert into ordinary […]

Read more

Bonds

A Bonding Investment When you invest in bonds, you are effectively lending money to a government or company at an agreed interest rate for a set period of time. In return, the borrower promises to pay you interest at regular intervals and repay your loan at the end of the term. Bonds should be considered […]

Read more

1 2 3 6
top