Yesterday
- Opinion
- Opinion
How do I calculate my tax-free super pension limit?
The transfer balance cap has increased twice since its inception to reach $1.9 million. Calculating how to stay within it can be tricky.
- John Wasiliev
This Month
- Opinion
- SMSFs
Will borrowing to buy property in an SMSF affect my credit rating?
Some banks are happy to ignore loans in SMSFs, others will require detailed information about how you plan to service the loan.
- John Wasiliev
What if my late wife’s pension pushes my super above $3 million?
Reversionary pension law gives surviving spouses time to sort out their super.
- John Wasiliev
March
- Opinion
- Smart Investor
The tax implications of contributing business sale proceeds into super
The tax-related issues depend on the circumstances involved. In complex cases, one might need to engage an accountant, a solicitor and a financial planner.
- John Wasiliev
- Opinion
- Opinion
Why super isn’t supposed to make you super rich
There were opportunities in the past to make exceptionally large contributions to tax-advantaged super accounts, but those days are over.
- John Wasiliev
- Opinion
- Opinion
The smartest way to inherit your partner’s super pension
Keep as much of the combined benefits in super for as long as possible because you will pay less tax.
- John Wasiliev
February
- Opinion
- Smart Investor
How much cash can my parents pump into superannuation?
This strategy could allow a couple to contribute $940,000 to super.
- John Wasiliev
- Opinion
- Opinion
How to reduce tax on real estate profits in an SMSF
Carefully consider the tax implications of transferring real estate from an SMSF into your own name.
- John Wasiliev
How to pay just $24,000 tax on $1.6m super inheritance
Having a large tax-free component in your retirement savings is good news for adult offspring who are your beneficiaries.
- John Wasiliev
How to boost super by $300,000 even if you have over $1.9m
You can make a downsizer contribution no matter how much you have in retirement savings – and it’s doesn’t even need to come from the sale of the family home.
- John Wasiliev
We can’t afford new tax on $3m super – should we transfer property?
Sometimes it’s worth accepting “the devil you know” when it comes to Division 296 tax management strategies.
- John Wasiliev
January
Can I use my super to invest in or start a business?
A reader with a defined benefit fund needs to weigh up her options extra carefully before giving up a very reliable source of income.
- John Wasiliev
We’ve paid off our SMSF property loan – what happens next?
This is how to tie up loose ends on the bare trust that holds the title of the property and save on stamp duty.
- John Wasiliev
After I die, how does my wife move from DIY super to industry fund?
Assets including investment-grade bonds and private equity will make this more complex, but there are ways to get started.
- John Wasiliev
Should I move my rental property into my super fund?
A reader with a sizeable property portfolio wonders about the tax and stamp duty ramifications of getting some of it into his SMSF.
- John Wasiliev
December 2023
Can this investment help avoid the new $3m super tax?
A reader is trying to find ways to dodge an extra 15 per cent tax from July 1, 2025.
- John Wasiliev
Transition super strategy can avoid $3m cap and help your heirs
The ability to make contributions while you’re receiving this income stream offers more benefits than you think.
- John Wasiliev
Upsizing your home to access the age pension is a flawed strategy
A couple want to spend $600,000 of super on the purchase in the hope of qualifying for some government income.
- John Wasiliev
- Opinion
- SMSFs
Can a couple transfer shares from an SMSF into their own names?
The short answer is ‘yes’ but there will be some complexity, paperwork and fees involved.
- John Wasiliev
November 2023
- Opinion
- Smart Investor
You can use super to pay the mortgage if you meet these conditions
Savers who reach their preservation age can access super via a special type of pension, known as a transition to retirement pension, even if they haven’t retired.
- John Wasiliev
