Labor’s franking credits policy, How much super will you need?, SMSFs and insurance, Death benefits
Welcome to the October 2018 edition of the SuperGuide newsletter. Highlights include:
- LABOR’S FRANKING CREDITS POLICY: Jim Bonham illustrates how the ALP’s policy will significantly reduce the income for not just SMSFs, but also low and middle income direct shareholders.
- HOW MUCH SUPER WILL YOU NEED? In a series of articles we examine the fundamental questions – when should you retire, how much will you be spending in retirement, and (therefore) how much super will you need? We also crunch the numbers on whether $1m is enough to retire on, and how much super you need to retire on $100,000 per year.
- SMSFS AND INSURANCE: All SMSFs need to consider insurance as part of their investment strategy. We present the rules, the benefits and some frequently asked questions.
- LIFE INSURANCE: Thanks to SuperRatings we can announce the 20 funds with the lowest fees for life / TPD insurance, and the 20 funds with the lowest fees for Income Protection insurance.
- DEATH BENEFITS: Death and taxes are a fact of life, and tax cannot be avoided even by dying. We cover the super death benefit rules in detail and present tax strategies you may wish to consider.
FEATURES
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Estimating how long you might live is a key part of planning your retirement, as you need an idea of how many years you may need a source of retirement… Read more.
Estimating how long you might live is a key part of planning your retirement, as you need an idea of how many years you may need a source of retirement… Read more.
Your beneficiaries could end up paying more tax than necessary when they receive your superannuation death benefit if you don’t learn the rules that apply. Read more.
Your beneficiaries could end up paying more tax than necessary when they receive your superannuation death benefit if you don’t learn the rules that apply. Read more.
WILL YOUR MONEY LAST AS LONG AS YOU? (UPDATED FIGURES)
If retirement beckons, it’s time to work out how much income you think you will need to fund your desired retirement lifestyle. Here’s what you need to consider. Read more.
If retirement beckons, it’s time to work out how much income you think you will need to fund your desired retirement lifestyle. Here’s what you need to consider. Read more.
Don’t be rattled by pundits saying you need $1 million to retire. The amount you need will depend on your personal circumstances, not a figure drawn out of a hat. Read more.
Don’t be rattled by pundits saying you need $1 million to retire. The amount you need will depend on your personal circumstances, not a figure drawn out of a hat. Read more.
It’s a common question and the short answer is that age is only one of many considerations when you are weighing up when to retire. Read more.
It’s a common question and the short answer is that age is only one of many considerations when you are weighing up when to retire. Read more.
CHEAPEST INSURANCE
As the cost of living rises, life and TPD insurance premiums inside super have bucked the trend with little or no movement in 2023. Read more.
As the cost of living rises, life and TPD insurance premiums inside super have bucked the trend with little or no movement in 2023. Read more.
Income protection premiums continued to increase at a significantly higher rate than death and TPD premiums in 2023, but the cost of cover varies widely. Read more.
Income protection premiums continued to increase at a significantly higher rate than death and TPD premiums in 2023, but the cost of cover varies widely. Read more.
SMSF Q&As
While interest rates have lifted off their historic lows, franked dividends from shares are still a happy hunting ground for income-seeking investors. Read more.
While interest rates have lifted off their historic lows, franked dividends from shares are still a happy hunting ground for income-seeking investors. Read more.
Find out how a recontribution strategy can decrease tax for your beneficiaries and help you and your spouse share super balances more evenly. Read more.
Find out how a recontribution strategy can decrease tax for your beneficiaries and help you and your spouse share super balances more evenly. Read more.
Penalties for SMSF breaches rose on 1 January 2023 so it’s now more important than ever to make sure your SMSF is doing the right thing. Read more.
Penalties for SMSF breaches rose on 1 January 2023 so it’s now more important than ever to make sure your SMSF is doing the right thing. Read more.
Holding death cover through your super fund can be a costeffective way to protect your family and financial dependents and to help pay off your debts if you die. Read more.
Holding death cover through your super fund can be a costeffective way to protect your family and financial dependents and to help pay off your debts if you die. Read more.
Even if you have life insurance outside super or in a pre-existing fund, SMSF trustees are still required to consider their insurance strategy. Read more.
Even if you have life insurance outside super or in a pre-existing fund, SMSF trustees are still required to consider their insurance strategy. Read more.
