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 [...]

Investing surplus cashflow

- from minimum pension drawdown... Does your minimum pension drawdown give rise to surplus cashflow? Have you thought about investing surplus cashflow arising from your pension drawdown? Investing surplus cashflow is most typically a dilemma for self-funding retirees whose pensions accounts provide pension benefits in excess of their lifestyle needs. In response, they seek advice about how best to use those funds effectively (rather than ‘wastefully’). One particular strategy for investing surplus cashflow has been a [...]

Life Insurance within Superannuation

Are there benefits to holding Life Insurance within Superannuation? It is widely considered that holding certain types of Life Insurance within Superannuation is acceptable practice. For some people, this is the only personal risk protection they have. The types of insurance typically allowed is restricted to policies that provide benefits that accord with the purpose of the superannuation system. The most common life insurance carried within superannuation, are 'term life'; TPD; and income protection [...]

By |2021-02-26T09:31:49+10:00November 21, 2014|Risk Insurance Strategies|0 Comments

TPD Insurance within Superannuation

Should I hold my TPD insurance within Superannuation? In our article 'Superannuation linked Life Insurance', we discussed which insurance products could be taken through a superannuation account. TPD Insurance is one product that is eligible to be held within superannuation. We  also revealed some of the limitations on such a practice, that are imposed through the Superannuation Industry Supervision (SIS) legislation. Since that article was published, readers have raised questions as to the [...]

By |2022-03-08T19:37:22+10:00November 21, 2014|Risk Insurance Strategies|0 Comments

Valuing Financial Planning Advice

The Value of Advice concept... what you are paying for! Valuing Financial Planning advice: is that process different from valuing any service or advice? Clients of financial planners have long been valuing financial planning advice, but legislation by the then Labor government in 2013, has given rise to discussion as to what value investors receive for the fees they pay to their wealth management service providers. Financial Planners now need [...]

By |2020-08-12T12:29:33+10:00January 28, 2014|Wealth Management|1 Comment
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