This Month
- Opinion
- Opinion
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
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A reader with $4.3 million in superannuation wants to know how he can exit an outdated, market-linked pension.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
My short-term memory is a worry – should I close my DIY super fund?
Many retirees with SMSFs worry about diminished capacity as they get older – this is what to do.
- John Wasiliev
With $3.2m super, this couple wants a transition to retirement
Where one person is already retired and the other is still working full-time, what is the best way to manage retirement savings?
- Updated
- John Wasiliev
Couples go under the radar when it comes to gifting rules
It means they will not face age pension cuts when moving super between their accounts to maximise opportunities.
- John Wasiliev
My wife can’t work any more – how do we handle her insurance payout?
The tax rules on super policy payments are complicated when you’re younger – this is how they work.
- John Wasiliev
- Opinion
- Smart Investor
Can I access my super if I sell my business and go part-time?
Even if you have not yet turned 65, you may be eligible to start a transition-to-retirement pension.
- John Wasiliev
July
- Opinion
- Smart Investor
Why the beach house might be cramping your retirement style
Holiday homes are great, but they don’t produce retirement income and might limit your age pension payments.
- John Wasiliev
Can I put $360,000 into super before my divorce settlement?
A reader getting $1.9 million from her ex-husband’s super fund wants advice on maximising her savings and the $15,000 she already has in her fund.
- John Wasiliev
Can we put $2.9m from a property sale into super?
You can – but you must tick these boxes first.
- John Wasiliev
A holiday home in my name means my husband gets no age pension
Doing her parents a favour years ago has created a retirement income headache.
- John Wasiliev
June
Can I start a pension and put the income back into super?
A couple want to maximise their savings in the most tax-effective way before they both retire.
- John Wasiliev
My $1.25m super fund can’t pay me enough income
An 84-year-old is facing liquidity problems with minimum annual pension payments – but there are solutions.
- John Wasiliev
What to do with $400,000 inheritance when you have no super
A windfall could give a woman living in her daughter’s granny flat access to three income streams.
- John Wasiliev
I have an older-style pension – has the government forgotten about us?
While legacy income streams were not addressed in the recent federal budget, there are steps you can take to make them easier to work with.
- John Wasiliev
May
- Opinion
- Opinion
I’m a high earner about to encounter Division 293 tax. What can I do?
You may want to consider reducing your taxable income below $250,000 by claiming allowable deductions such as donations to charity.
- John Wasiliev
We have $700,000 in super – can we buy investment property with it?
If you want to add a geared investment property to your retirement savings, here’s what you must think about.
- John Wasiliev
We retired overseas but came back. What should we do with our money?
This couple may not be able to reopen their super accounts, but there are other tax-effective opportunities.
- John Wasiliev
April
How will $3m super tax work when my balance goes all over the place?
You won’t get a refund if you’ve paid the tax and your fund later loses money. But you can carry forward the loss to offset gains in later years.
- John Wasiliev
- 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
