There’s been a lot of uproar about the government’s proposal to tax unrealised capital gains on super balances above $3 million. The concern is that this sets a dangerous precedent – what’s to stop them taxing unrealised capital gains in other environments. But here’s the irony: most superannuation members already pay tax on unrealised gains …
Over the last decade, we have seen an increasing number of clients benefit greatly from employee share schemes. These programs can be complex, particularly for those less familiar with financial matters. As such, they require careful financial planning and taxation liability management. What are they and how do they work? Employees may be granted shares …
Over the past few decades, one of the most hotly debated topics has been housing affordability and the sustainability of annual property growth rates exceeding 7%, a trend that’s persisted for the past 45 years. This is an important discussion that deserves careful consideration from investors. Lately, I’ve received several questions about this topic over …
The Australian share market is valued at approximately $2.9 trillion. In comparison, the country’s bond market is worth more than half that amount, yet it remains relatively unknown to many investors. This includes bonds issued by the federal government, state and semi-government entities, as well as listed corporations. This blog provides an overview of the …
Over the past decade, I have written over 150 blogs about property investing. That’s enough content to fill four books! I’m always trying to publish thought-provoking and practical blogs that sometimes challenge conventional wisdom and empower investors to make better financial decisions. While each property investing blog that I write is important on its own, …
Is your super fund actually the best one for you? The fund that topped last year’s table is not necessarily the right one for your circumstances. Download our free guide to choosing the best super fund in Australia, built around structure first, investment strategy second. Download Here In this blog, I typically focus on providing …
Setting the right budget for a property purchase, be it a home or investment, is a very important financial decision. If your budget is too conservative, you risk missing out on potential capital growth or settling for a property that does not meet all your lifestyle needs. On the other hand, if you overspend and …
If you own a property that you suspect may not be investment-grade, how do you work out if it is worth selling and replacing it with a better-quality property? Risks and costs associated with replacing a poor investment Replacing an investment asset comes with risks and several costs: Set a realistic expectation and benchmark It’s …
My personal philosophy on wealth building is simple: invest slightly more than necessary to comfortably achieve my financial and lifestyle goals, but no more than that! None of us know how long we have left on this planet, so I think it’s essential to maximise enjoyment today or at least enjoy the wealth-building journey as …
Tax season can be stressful, but a bit of smart planning can help you save significantly. Let’s walk through some essential tax planning tips and strategies for the financial year 2024/25, designed to help individuals and small businesses maximise their benefits and minimise their tax obligations. Understanding Tax Planning Tax planning involves arranging your financial …
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