The market volatility and uncertainty during the past year and a half of COVID-19 have many share investors understandably rattled.
retirement
Do I pay down my home loan or make a super contribution?
Does it make sense to make additional concessional contributions to superannuation if you still have non-deductible debt such as a home loan?
Successful investing is not just about performance returns
We have a cultural obsession with chasing performance returns when we are choosing our investments, writes Andrew Zbik.
Many retirees still have mortgages – keeping the bank at bay
An interesting statistic is that 40% of retirees approaching Pension Boost to assist with Pension Loans Scheme (PLS) applications still have mortgages. Retired couples applying for PLS with pre-existing debt were servicing median mortgage amounts of $158,000 at a median age of 72 years.
SuperCentral reviews recent superannuation changes
The Government’s 2018 Budget proposal to allow Self Managed Superannuation Funds (SMSFs) to have up to 6 members has now been finally passed by both the House of Representatives and the Senate.
SMSF trustees should look at upside & downside capture to assess portfolio risk
Simply comparing the success of a portfolio against benchmarks is useful but not sufficient if looking to build sustainably higher returns in a fund compared to the market.
The impact of transfer balance cap indexation
Starting 1 July 2021, the transfer balance cap (“TBC”) will be indexed from $1.6 million to $1.7 million (“Indexed TBC”). Although this change sounds like good news, it does come with quirks not everyone is aware of and not knowing them can lead to adverse outcomes.
Make the most of super strategies before 30 June 2021
In the world of superannuation, a few key changes have taken place over the past month that will impact superannuation strategies in the lead up to 30 June 2021 and beyond.