Superannuation Strategies

SMSF Investment Strategy

Investment Strategy generally The development of an SMSF Investment Strategy is as important a process to the members of an SMSF as is an investment strategy to any investor. Whether in relation to superannuation or non-superannuation investing, investors use this process to consider all of the elements that influence successful investing. In the case of the SMSF however, [...]

Excess nonconcessional contributions refundable

Excess nonconcessional contributions - what are they? Excess nonconcessional contributions are undeducted amounts contributed to a superannuation account. (Undeducted simply means that these contributions are being made from either tax paid, or from tax-free funds.) Superannuation nonconcessional contribution 'caps' have been in place for some time now and for the 2015 financial year, were increased [...]

By |2017-08-15T09:30:13+00:00May 14, 2014|Superannuation Strategies|0 Comments

Superannuation guarantee rate increase proposal

What are the superannuation guarantee rate proposals? The Government has proposed to amend the schedule for increasing the superannuation guarantee rate (the SG Rate) to 12%. [The superannuation guarantee system was introduced in 1992: for more detail on that system, refer our article 'Superannuation guarantee matters'. The 'rate' applies to the ordinary times earnings of 'employees'.] [...]

By |2017-08-15T09:41:52+00:00May 14, 2014|General, Superannuation Strategies|0 Comments

Superannuation linked Life Insurance

What is superannuation linked life insurance? Should I have life insurance product linked to my superannuation? Superannuation linked life insurance products are those that have elements of the protection for the insured covered both inside and external to superannuation. A particular policy structure links the two elements. Many of us have at least some of [...]