Title Changes after extinguishing an SMSF Borrowing

A key consideration, after the repayment of a limited recourse borrowing, is the transfer of the property title to the SMSF trustees. Does it need to be done? The short answer is No, though it might be advisable. If no transfer occurs, the management of the property...

Are Deemed Contributions Concessional?

Deemed contributions generally occur when increases in fund value have not been caused by investments or insurance payments. Most commonly this occurs when an expense is paid on behalf of the fund without reimbursement though it can also occur when an asset in the...

Federal Budget

The budget was largely missing any announcements particular to our sector. On related matters, the deeming rate won’t change – relevant to social security recipients – and there has been funding allocated to implementing already announced government initiatives. Items...

Best SMSF Advice Platform

Last night, the inaugural Australian Wealth Management Awards 2024, an initiative of Momentum Media’s wealth publishing network, encompassing Investor Daily, ifa, SMSF Adviser, Money Management, and Super Review were presented. We were delighted to win the Best SMSF...

Counting a TRIS Against the Transfer Balance Cap

A transition to retirement income stream is not only useful as a source of income before retirement but also effective as a salary sacrifice strategy for higher rate taxpayers. Though a TRIS does not create tax exempt income within the fund the pension payable to a...

Downsizer Contribution Refresher

A downsizer contribution of up to $300k can be made by a member and/or their spouse who is 55, or older, at the date of contribution provided it is made within 90 days of the property settlement date. If the home was only owned by one spouse, the other may also make a...