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Before You Invest
One of the biggest differences with an SMSF is that you have more control over where your super is invested. That makes understanding what you are investing in especially important. Private credit is a good example of why. Private credit funds generally lend money directly to businesses, property projects and other borrowers rather than investing through traditional listed markets. The
Interest Rates Are Up. Time to Review Your Super Contributions?
At the same time, this can be a useful reminder to review where your money is going, including your super contributions. Concessional contributions can include employer contributions, salary sacrifice and personal contributions for which you claim a tax deduction. These contributions are generally taxed at 15% in super, subject to the contribution rules and limits. Depending on your circumstances, making
Does Your SMSF Estate Plan Still Work
Division 296 is now law. In simple terms, it introduces an additional tax for people with more than $3 million in super. For SMSF couples with larger balances, that has created a new reason to look again at estate planning. One area receiving attention is reversionary pensions. A reversionary pension is designed to automatically continue to another person, usually a
Bullion Housekeeping
If your SMSF holds physical gold or silver, take a few minutes to make sure your records are up to date. Take clear photos of your bullion lying on a newspaper, with the newspaper date and the bullion’s markings, weight and purity clearly visible. If you have a lot, group similar items together, for example all 1oz, 100g or 1kg
25 Years. Six Investments. One Interesting Chart
Australians love property. Shares have long been a mainstay of superannuation. Cash feels safe. And gold and silver are often treated as something sitting off to the side. So this updated chart from Ainslie Wealth is worth a look. It compares six different investments from 2000 to March 2025. Importantly, it doesn’t simply compare house prices with gold prices. The
Gold & Silver: What the Heck?
If you haven’t looked at gold and silver prices for a while, you could be forgiven for wondering what on earth happened. The past nine months have been extraordinary, with gold hitting record highs, silver making even bigger moves and both experiencing some fairly spectacular falls along the way. Rather than trying to predict where they’re going next, let’s look