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, the significance takes on an added dimension – the legal obligation of the trustees [...]

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 applying the indexation measure from an earlier change to legislation in the superannuation environment. Update [...]

By |2020-08-05T14:58:03+10:00May 14, 2014|Superannuation Strategies|0 Comments

Superannuation guarantee rate changes

What is the prescribed superannuation guarantee rate payable? This superannuation guarantee rate changes were proposed in the 2014 Federal Budget. The Government has amended the program for increasing the superannuation guarantee rate (the SG Rate) to 12%. It should not be unexpected that further changes could be introduced if a government with a different superannuation guarantee agenda is elected. The superannuation guarantee system was introduced in 1992: for more detail on [...]

By |2020-08-05T16:09:14+10:00May 14, 2014|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 our life insurance protection paid through our superannuation accounts. In some cases this is a cash flow [...]

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