Defined Benefit Super Fund
I’m getting close to retirement and have a defined benefit superannuation fund. How do I know if I’m making the most of it? Defined benefit (DB) superannuation funds can be valuable, but they also work very differently from standard accumulation-style funds. Your final benefit is generally based on a formula that could involve your years…
Read MoreSpouse Contributions: Looking for ways to boost your super?
My spouse and I are looking at ways to boost our super. How do spouse contributions and the associated tax offset work? Spouse contributions can be a great way to build your partner’s superannuation and potentially benefit from a tax offset. If your spouse earns less than $37,000 a year, you may be eligible for…
Read MoreThe Art and Science of Fund Manager Selection
Balancing Philosophy, Performance and Investor Resilience Introduction: The Importance of Choosing the Right Fund Manager For Australian investors, selecting a fund manager is one of the most consequential decisions in the journey toward financial security. The right manager can help navigate volatile markets, safeguard capital, and deliver consistent returns, while the wrong choice can erode…
Read MoreFAMILY TRUSTS AND RELATIONSHIP BREAKDOWNS
NAVIGATING ASSET PROTECTION, LEAGAL REALITIES AND RESILIENT WEALTH MANAGEMENT Introduction: The Rise of Family Trusts and the Challenge of Relationship Breakdowns Family trusts have become a cornerstone of wealth management in Australia, valued for their flexibility, tax efficiency, and capacity to facilitate intergenerational wealth transfer. As families grow more financially sophisticated, advisers are increasingly turning…
Read MoreSHELTER, SECURITY AND THE AUSTRALIAN DREAM
UNPACKING THE HOUSING CRISIS AND PATHS TO RESILIENCE Introduction: The Australian Dream in Crisis For generations, the “Australian Dream” has been synonymous with home ownership-a symbol of stability, personal achievement, and intergenerational security. Yet, in 2025, this dream is under threat as Australia faces a housing crisis of unprecedented scale and complexity. The sharp decline…
Read MoreSmart Super Strategies for this EOFY
With June 30 fast approaching, it’s time to start thinking about your super for another year. We’ve put together five smart strategies that may benefit you now, and help boost your super. Strategy This may be right if you……. How to use this strategy The benefits may include 1. Add to your super and get…
Read MoreSuper strategies; Make tax-deductible super contributions
By making a personal super contribution and claiming the amount as a tax deduction, you may be able to pay less tax and invest more in super. How does the strategy work? If you make a personal super contribution, you may be able to claim the contribution as a tax deduction and reduce your taxable…
Read MoreSuper strategies – Splitting your super contributions to your spouse
Splitting super contributions to your spouse’s super account may help to boost their retirement savingsand provide a range of other benefits. How does the strategy work? You may be able to split (transfer) eligible concessional contributions (CCs) that you’ve made or received to your spouse’s super account. Eligible CCs include employer super contributions and personal…
Read MoreSuper strategies – Topping up super with ‘catch-up’ contributions
If you have not fully used your concessional cap in a prior financial year, youmay be eligible to use these unused carried forward amounts in a later year.Depending on your circumstances, this could help you to maximise tax‑effective super contributions and invest more for retirement. How does the strategy work? If your concessional contributions (CCs)…
Read MoreSuper strategies – Top-up your super with help from the Government
If your income is under a certain threshold, then making personal after-tax super contributions could enable you to qualify for a Governmentco-contribution and take advantage of the low tax rate payable in super on investment earnings. How does the strategy work? If you are under 71 at the end of the financial year, earn1 less…
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