Superannuation
Super 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…
Read MoreSuper strategies – Sacrifice pre-tax salary into super
Contributing some of your pre‑tax salary, wages or a bonus into super could help you to reduce your tax and invest more for your retirement. How does the strategy work? With this strategy, known as salary sacrifice, you need to arrange for your employer to contribute some of your pre‑tax salary, wages or bonus directly…
Read MoreHOW TO THRIVE IN UNCERTAIN MARKETS
Understanding Market Volatility Market volatility is an inevitable part of investing, yet it often evokes fear and uncertainty among investors. The phrase “catching a falling knife” vividly captures the dangers of trying to time the market during sharp declines it suggests that attempting to buy assets during a precipitous drop can lead to painful losses.…
Read MoreSuperannuation Beneficiaries
Wondering if your siblings can receive your superannuation? Learn the rules around eligible beneficiaries and how to ensure your nomination is valid with expert advice from Leading Advice Sydney.
Read MoreNavigating Financial Risks and Retirement
Introduction: The Changing Perception of Life Expectancy Life expectancy is one of the most widely misunderstood concepts in retirement planning. It is often quoted as a single number—a statistical average—but this simplification obscures the complexity of individual survival probabilities. For retirees, this misunderstanding can lead to miscalcu- lations about how long their savings need to…
Read MoreStrategies for a Secure Retirement In Australia
Introduction Retirement is a milestone that many Australians look forward to—a time to relax, pursue passions, and enjoy the fruits of decades of hard work. Yet, for Generation X (those born between 1965 and 1980), the path to a secure retire- ment is less certain than it was for their parents. Economic shifts, evolving superannuation…
Read MoreThe Silver Rule of Investing
The Silver Rule of Investing helps you avoid unnecessary risks and protect your capital for long-term success.
Read MoreSelf Employed – Are Super contributions Necessary?
I’m self-employed. What’s the best way to save for retirement when I don’t have my employer making super contributions like many others do? As a self-employed individual, you’re responsible for building your own retirement savings, which means planning carefully to ensure your future income is secure. You should aim to make contributions to super on…
Read MoreUnlocking the Power of SMSFs
A Family’s Guide to Superannuation Control and Flexibility Navigating the world of superannuation can often feel like charting unknown waters, especially for families looking to make informed financial decisions. Self-managed super funds (SMSFs) offer a unique opportunity for those seeking superannuation control and flexibility, allowing families to pool their resources and tailor investment choices to…
Read MoreThe Evolution of Retirement Planning
This article will explore the key changes in superannuation thresholds, delve into the complexities of investment risk in superannuation, and examine emerging retirement income strategies.
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