Self-managed Super funds (SMSFs) continue to grow as the fastest, most popular investment vehicle for people who want to make the most out of their retirement savings and prepare for their financial future. With the growing popularity of the SMSF instrument, the demand for SMSF experts has exponentially soared through the roof.
Category: Feature Archives
Is Investing In SMSF A Good Decision For You?
Investing in SMSF has been proven to be a good way to save for the future. But is putting your eggs in a self-managed Super fund a path you should take? That is one question you need to mull over again and again before you make a decision. Better yet, seek the expertise of an SMSF financial adviser and see if investing in SMSF will suit you and your financial capabilities, as well as that of the other members.
Trustees are Against Getting Insurance Policies via SMSF
Are you an SMSF trustee who is looking to acquire buy/sell insurance policy through your SMSF instrument? You better think twice before you do.
SMSF trustees may see a spike in their fund’s tax rate from 15 per cent to 49 per cent if they purchase buy/sell insurance policies through their SMSF. Many investors enter into such arrangement because it provides them with tax deductions. However, such benefit is easily outweighed by the huge risks involved.
Retiring SMSF Holders Should Seek Longevity Risk Advice
Retirees and baby boomers with investments in self-managed Super funds (SMSF) who have the potential to outlive their retirement savings may find themselves in a financial quagmire if their SMSF advisers do not immediately address the situation.
SMSF Traps to Watch Out For
In a relatively short space of time, SMSF has become a very popular vehicle of retirement planning. While it has gained a lot of fame, a bit of notoriety has also come its way. There are critics claiming how SMSF gets tax favours and how compliance rules bypass important concerns like credit franking (divided swapping).
Superannuation Planning Explained
There is popular consensus that 5% returns can be expected from the Superannuation funds. Of course, there will be years like 2014 when there will be bullish returns close to 17%. But to offset the generous bargain, there will be GFC-hit years like 2008 which will show -13% returns. So overall it is safe to assume a figure of 5%.
