I have written before about estate planning – wills, powers of attorney, super, and the like (here in 2018 and here in 2020). That said, we keep getting the same questions on a few topics, so I thought it was worth taking a closer look at them. Beware of higher tax rates for children Minors …
Since launching the Investopoly podcast back in 2018, it’s been a rewarding journey of testing conventional wisdom, learning, research, and discussion around wealth-building, investment strategies, and everything in between. To celebrate the growth and impact of the Investopoly podcast, we have pulled together the most popular blogs/episodes that have resonated with our audience over the …
After the end of each financial year, I review super returns across the top 8 industry super funds. This year, I have included Vanguard Super into the mix as it’s the most competitive retail super fund in term of fees and certainly challenges the industry funds. However, selecting the best fund is not just about …
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 …
In this blog, I typically focus on providing advice (strategies and tactics) rather than discussing specific products or businesses. This approach ensures that I avoid any appearance of promoting particular products. My goal is to maintain the independence and trustworthiness of this blog as a reliable source of information. It’s important to clarify that my …
The first step to maximising your superannuation balance involves choosing the right super fund. Every year, typically around July or August, I publish a blog where I compare the top super funds and identify the best one/s. This comparison can guide you in selecting the best fund for you. After selecting the optimal super fund, …
In last week’s blog, I compared the financial and tax effectiveness of investing in property through your super (with borrowings) versus investing in property outside of super or sticking with the traditional approach of investing your super in an industry super fund, for instance (no gearing). I concluded that while the potential benefit of avoiding …
In recent years, borrowing by SMSFs has increased marginally from $24 billion in March 2019 to almost $27 billion in September 2024 – a modest growth of just 2% p.a. Most of these loans are repaid on a principal and interest basis, meaning investors are actively reducing their debt over time. However, the gross value …
In Part 1 of this blog topic, I discussed the various options for investing your superannuation including industry super funds, retail super funds and SMSF. Now, in Part 2, I want to focus on wrap accounts. These accounts offer a similar level of transparency, control and flexibility as an SMSF, but they come with lower …
A lot of Australians are eager to ensure their superannuation is invested wisely to maximise their balance by the time they retire. However, comparing the different super-product choices can be tricky. Recently, there’s been increasing criticism of industry super funds, particularly regarding their oversight and transparency around unlisted investments and the role/influence of unions. Many …
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