Investment Bonds

In 2017 the Federal Government once again reduced the contribution caps in Superannuation.  From July 1 2017 the maximum amounts you can contribute to Super each year are now capped at $25,000 Concessional (before tax) and $100,000 Non-Concessional (after tax) per year, which will make it more challenging to generate long term wealth and minimise your tax inside Superannuation.  

Why borrow to invest?

For most investors, building a large, well-diversified portfolio can take a significant amount of time. Spotting an investment opportunity is one thing, but having access to enough cash at the right time can also be a challenge. One of the ways investors can potentially grow their portfolio faster is by borrowing to invest.

Coronavirus super concessional withdrawal

We are getting some enquiries from clients about strategies involving the release of money from your super fund to utilize in investing in shares etc in their own name. The strategy involved making a tax deductible contribution into the persons super account, claiming the deduction against their income and then applying to the super fund to have $10,000 released to “assist” them during these tough times.

Total & Permanent Disability

What exactly is “disabled”? On the face of it, this question would seem a relatively straightforward one to answer, one would think…   Trust insurance companies to make this one of the most argued over and convoluted issues when it come to insurance, and Income Protection, in particular. The same can be said about Total…