Your retirement savings may have to work longer than you do

posted in: SMSF, Superannuation | 0

On average, Australians expect to live to about 81. We expect to start work at about 20 and then retire at 65. Which means that you would have 45 years of work in which to save enough to live on for 16 years of retirement. Our research shows a vastly different picture. Longevity is trending upwards Life expectancy data changes as you attain older ages:  A couple both aged 65 today has a 50% chance that one will live beyond … Read More

Superannuation is a political football

  Read the Transcript: Superannuation is a political football. No wonder they keep moving the goal posts. Every year, it seems, they change the rules – the retirement age, the contributions cap, and so it goes on. No wonder one in three Australians are concerned about legislative changes* being made to super – what they mean and how to work with them. It’s a cause for concern, but it helps to keep it all in perspective, give all the factors their … Read More

Self-managed super and property

posted in: SMSF | 0

Self-managed super funds have become a popular way for Australians to build their retirement savings. In fact they’re now the fastest growing segment of the superannuation market, with over one million of us now counted as members of an SMSF. Those members collectively hold more than half a billion dollars in superannuation assets, approximately 16% of which is invested in direct commercial and residential property.* Property, along with Australian shares (32%) and cash and term deposits (28%), make up the … Read More

Keeping it in the family with self-managed super

posted in: SMSF | 0

Self-managed super funds have become a popular way for Australians to build their retirement savings. In fact they’re now the fastest growing part of the superannuation market, with more than one million of us being members of an SMSF. “There is no legal time limit on how long an SMSF can last,” says Robert. “As long as the Trust Deed is kept up to date, it can essentially keep going forever.” A self-managed super fund allows up to four people … Read More

Insurance and self-managed super: don’t get caught out!

Self-managed super funds are now the fastest growing part of the superannuation market in Australia, with more than one million of us being members of an SMSF. (Source: SMSF​ Association) SMSFs have become a popular way for Australians to build their retirement savings because they generally offer greater control and flexibility of your super investments. And while thousands of new self-managed funds are being established every year, there are some technical areas that can ‘trip up’ the average SMSF super member. … Read More