In our article, Transferring $2M Into Your SMSF, we explained why we are not big fans of borrowing to buy residential property inside a self-managed super fund (SMSF). In this blog post, we explain one exception to this general point of view, that is partly a lifestyle decision and partly a strategic financial decision. Although a SMSF cannot purchase a residential property from a member, there is... »
Here are questions about insurance we think you should ask your insurance advisor: How much insurance do I need? What are the premium costs? Do the premium costs and amount of insurance increase with inflation? What is the difference between level and stepped premiums? For how long and up to what age am I covered for? Can I get “own-occupation” cover? What is total and permanent disability (TPD) b... »
Investing in a tax-effective way is an essential part of our investment approach, and as such it is worth considering the role of “tax-free” assets as part of your overall investment strategy. Basically there are three tax-free assets you can use, and this does not include tax-free investment structures such as super funds when in pension mode. These are: 1. Your Principal place of res... »
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