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Clarifying 'bring forward' and 'catch-up' super rules

Clarifying 'bring forward' and 'catch-up' super rules

The law is expected to change to allow people to use "bring-forward" rules up to the age of 67 without meeting the work test of 40 hours in 30 days.

  • by George Cochrane

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How to use a mortgage offset account to best advantage
Opinion
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How to use a mortgage offset account to best advantage

Putting surplus money into a mortgage offset account instead of using it to reduce the mortgage size gives you an option of renting the property, while maximising tax savings.

  • by Noel Whittaker
Benefits in making a loan, rather than gifting, to a family member
Opinion
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Benefits in making a loan, rather than gifting, to a family member

Gifting rules allow a maximum of $10,000 each financial year and a maximum of $30,000 over five years.

  • by George Cochrane
Super funds see record fee falls, but there's still work to be done
Opinion
Superannuation

Super funds see record fee falls, but there's still work to be done

What's the most important question asked by consumers looking to buy any new product: How much does it cost?

  • by Charlotte Grieve
ATO ruling opens pathway for retirees to tap into home equity
SMSFs

ATO ruling opens pathway for retirees to tap into home equity

Retirees who own their homes can sell part of the property and use proceeds to top up their super using the government’s downsizer legislation.

  • by Noel Whittaker
Tread carefully in residential aged care 'no-man's land'
Opinion
Aged care

Tread carefully in residential aged care 'no-man's land'

“No-man’s land” is a common problem for people transitioning from a retirement village into residential aged care.

  • by Rachel Lane
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Cap complexities make life difficult for SMSF trustees
Opinion
SMSFs

Cap complexities make life difficult for SMSF trustees

What is required is a concerted effort by legislators and regulators to simplify a system that is becoming increasingly complex and unnecessarily costly to fund members.

  • by John Maroney
Access to a credit card should be based on assets, not income
Opinion
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Access to a credit card should be based on assets, not income

It's scandalous that a person with almost $500,000 in the bank and who has been handling the family finances for years is being refused a credit card.

  • by Noel Whittaker
Mortgage terms are key to retirement outcome
Opinion
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Mortgage terms are key to retirement outcome

Do we pay off our investment unit, put the rent into my wife's super, or keep it for emergencies?

  • by George Cochrane
How to ensure your estate is distributed in the way you want
Opinion
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How to ensure your estate is distributed in the way you want

If a will maker is concerned about their will being challenged, they can write what is known as a statement of wishes.

  • by Noel Whittaker
Lower investment returns prompt retirement rethink
Opinion
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Lower investment returns prompt retirement rethink

With record low interest rates and falling dividends, we are all lowering expected levels of income on our investments.

  • by George Cochrane