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Category: CS Archives

Retiring Overseas: How $A 1,800 Can Buy You A Life Of Luxury

Southeast Asian retirementSeveral thousands among the Australian retiring population are departing from the traditional lifestyle of retirement years. Instead of living a modest life in the cities or just-about-decent life in the suburbs, they are migrating to South East Asia. While a few of them are looking for a cultural crossover and diversity of adventure, a majority is certainly looking at low cost of living in South East Asia as a major plus- one that can give their retirement savings longer legs.

In this article we compare the cost of retirement living in Australia and retiring overseas in 8 countries spread across Asia (6 of them in South East Asia). We also look at the biggest threats to your ambitions of retiring overseas.

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Centrelink Reverse Mortgage Scheme: As Puzzling As Egyptian Hieroglyphs

 

reverse mortgage product

Pension Loan scheme, a reverse mortgage scheme floated by the government does a better job at satisfying the appetite of the senior citizens than the ones floated by the private sector. Where it possibly fails is that it gets limited to the betterment of the rich retirees. And to make matters worse, one particular aspect of it is so very puzzling. See if you can make some sense out of it.

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Australian Superannuation: What Can I Invest My Super In?

australian superannuationAustralians care about their Superannuation but the mode of investment is such that it is easy to set it up and then forget about it. The aim of Super funds is to help your money accumulate during the course of your working life. This, the funds aim to attain through a wide range of investment options. The risk quotient differentiates one option of investment from the other. Let us find out all there is to know about your Super investment and also look into one little known yet very important aspect of such investment.

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How much money do you need to retire at 65?

retirementMost of us cannot deny that we daydream about our lives post retirement. In those dreams, we may be cruising half way across the globe or just indulging the gardener in us. We dream of an easy life full of small nothings and crazy ‘somethings’.  This is how we are programmed: we know we have to slog it out while we are part of the active workforce and get rewarded for it with a leisure-filled retirement.

So it may come as a rude shock if you do not find enough in your nest egg to retire peacefully and may be work through your 70s to make ends meet. The crux question then is- how much do you need to retire at 65? Let us find out. You will be surprised by a few stats and one trend in particular.

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Think You Are Cut Out For SMSF? Find Out

setting up a superA self-managed super fund is a surefire way of gaining greater control over your investments. It also offers you more flexibility (till the time you abide to your investment strategy). This said, there are various responsibilities on the shoulders of an SMSF trustee, and what’s more, you must tick many right boxes before entering into the SMSF space. Let us find out if the SMSF is for you; if yes then why and if not, then what may be the single biggest reason hindering you. Read along.

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Buying Property Through SMSF – 12 Critical Points to Consider First

buying property through smsfWhile the marginal tax rate can get as high as 46.5% for an individual, the rental income for properties purchased through your SMSF is generally taxed at a concessional rate of 15%. It gets even better when you talk about the CGT rebate. You may have to pay 10% in the accumulation phase and nothing in the pension phase. In comparison, rates run close to 23.25% for properties outside Super.

So, are SMSF-financed properties a great idea? I wouldn’t place my neck on the line and say so. They can certainly turn out to be smart investments but unless you show diligence, they can turn sour just as easily.

Here are 12 key aspects to using your SMSF for property investing that you will do well to consider before taking the plunge. Some of these may surprise you and may just save you a fortune.

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