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Wealth

Superannuation & SMSFs

Yesterday

Because people aged 67 to 74 are no longer required to meet a work test, they are tipping extra money into superannuation like never before.

Why over 70s are pouring money into super like never before

Removing the work test has allowed more people to take advantage of a strategy that reduces tax on an inherited nest egg.

  • Peter Burgess

This Month

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How your kids could help you avoid this super death benefits catch

The transfer balance cap also applies to pensions received on death and this is where it may catch you out.

  • Colin Lewis
There is good debt, and bad debt.

How to manage good, bad and dreadful debt

Dreadful debt destroys wealth, and credit cards are top of the list.

  • Michael Hutton
Stick to returns, Garry Weaven tells APRA.

Stick to super returns, don’t cave to ‘political interference’: Weaven

Garry Weaven says APRA shouldn’t give in to “bastardised political interference” in governance and performance testing of high-performing industry funds.

  • Hannah Wootton
The changes apply to a suite of pre-2007 pension products.

At last, Labor has a plan for legacy pension exits

After years of delay, the federal government has produced regulations that will release retirees from restrictive legacy pensions.

  • John Wasiliev
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Testing of a Russian ballistic missile in 2022. Australian super funds are exposed to nuclear weapons.

AustralianSuper ESG option invested in nuclear weapons: report

Australia’s 14 biggest superannuation funds are investing about $3.4 billion in nuclear weapons despite many promising to avoid controversial arms.

  • Hannah Wootton

September

The best and worst retirement calculators revealed

Wildly different answers emerged when the same scenario was plugged into dozens of super funds’ retirement calculators. Now a consumer group is demanding higher standards.

  • Hannah Wootton
Adults who inherit their parents super are required to pay tax on some of the money.

How to get your kids more tax-free super when you die

Re-contribution strategies allow you to withdraw money from super and put it back again to minimise tax for whoever inherits it. Such strategies are making a come-back, particularly in SMSFs

  • Meg Heffron
Use a free online data leak checker to see if your information has been involved in a hack.

SMSFs are a $1 trillion honeypot for hackers

The success of the retirement savings system has become an irresistible target for global cybercriminals.

  • Tim Mackay
One company has come up with a solution for residents in retirement villages who stay longer than the average nine years: just keep charging them.

$1 trillion: Millennials drive SMSF ‘renaissance’

SMSFs are undergoing a renaissance thanks in part to interest from Millennials. But it’s not all good news because many operate without any expert guidance.

  • Peter Burgess
Centrelink pension payments are often calculated according to the combined assets and income of a couple.

How to maximise pension payments if one spouse is younger

Keeping a younger spouse’s super in accumulation phase can have the benefit of improving the age pension entitlement of the other person.

  • John Wasiliev
Billabong founder Gordon Merchant successfully argued against his disqualification as an SMSF trustee.

Why being disqualified as an SMSF trustee is a big deal

You lose control of your investments and direct ownership of real estate is off the table.

  • Peter Townsend
Funds managing superannuation nest egg must deliver strong performance while keeping administration costs low.

Nation’s $3.5trn super nest egg revamp

The superannuation landscape has reached a critical juncture where effective administration of our life savings has become paramount.

Sponsored 

by SS&C Technologies

With a reversionary pension, the beneficiary has peace of mind knowing they’ll continue receiving income into their bank account.

What happens to your super after you die comes down to this choice

Your money can go to your beneficiary either as a regular pension payment or as a lump sum death benefit.

  • Colin Lewis
Engaging a strategic investment adviser could help you take a step back from running your SMSF.

I’m 74 and want to run my $10m SMSF with less fuss

A wealth manager can help you with investment strategy, administration and accounting. But choose wisely by checking their qualifications.

  • John Wasiliev
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In the world of finance and investing, small mistakes can end up costing you a lot over time.

Why humans make terrible investors

Cashing out during a period of volatility is usually harmful to your wealth.

  • Ben Smythe
Term allocated pensions, which belong to a group of pensions introduced between 2004 and 2007, have very different rules.

Help! I’m trapped in my legacy pension product

A reader with $4.3 million in superannuation wants to know how he can exit an outdated, market-linked pension.

  • John Wasiliev

August

The super funds failing to perform

For the first time, all default MySuper options passed the APRA performance test, but big retail funds continue to underperform.

  • Michelle Bowes and Hannah Wootton
Painting your SMSF-owned property could be a mistake.

Beware – DIY repairs and renovations are a minefield for SMSFs

Doing work on a property owned by your SMSF is fraught with danger because of strict tax and superannuation laws. Here’s what you need to know.

  • Meg Heffron
IFM Investors CEO David Neal previously led Future Fund.

IFM Investors, ISPT shareholders agree terms for $240b merger

Property investor ISPT is ready to sign on the dotted line with IFM Investors after more than a year of negotiations.

  • Sarah Thompson, Kanika Sood and Emma Rapaport

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Rich List

Paula Hitchcock and her husband Nassib Thoumi leave court after Wednesday’s decision.