Harper News


Superannuation

 

The transitional CGT relief measure and your SMSF

Transitional CGT relief is temporary relief available to all complying super funds, not just SMSFs, for certain CGT assets that would otherwise give rise to a taxable capital gain through the necessar...

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Superannuation year end planning for the 2016/17 financial year

The end of the financial year always seems to crop up faster than it should.  Given the impending July 2017 superannuation changes, being on top of your end of financial year planning is as impor...

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What is your “total superannuation balance” and why does it matter?

Recent superannuation reforms introduced a concept of “total superannuation balance”, which on the surface may give the simple impression that it is the sum of the balances of a person&rsq...

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The $1.6 million transfer balance cap – what does it mean for you?

The changes to superannuation announced in the 2016 Federal Budget have been passed by Parliament.  Amongst those changes was the introduction of a $1.6 million transfer balance cap which limits ...

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Contributions – what the changed concessional and non-concessional caps may mean for you

With many of the changes announced in the 2016 Federal Budget now passed by Parliament, there is an amount of certainty that you can have when approaching your SMSF planning and the contributions you ...

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SMSFs and the in-house asset rules explained

A not-uncommon conundrum for many SMSF trustees is what to do when the fund is found to have breached the in-house asset rules. There are also some common misconceptions about these regulations that k...

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Is the peer-to-peer lending investment option right for your SMSF?

One investment option that has surfaced relatively recently, and that SMSF trustees may consider as a part of their strategy to grow their fund, is investing through peer-to-peer lending. Peer-to-pe...

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Departing Australia superannuation payment (DASP) explained

Whether you’ve been on a working visa and have been slogging away bagging bananas in Tully for six months, or decided to quit your city job and move to Peru, your employer has been putting money...

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SMSFs need to prepare for the new transfer balance cap

Legislation introducing changes to the superannuation regime were recently passed by Parliament. Among them will be a requirement for fund members to establish a transfer balance account for each re...

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ATO’s SMSF compliance focus for 2016-17

The ATO has announced the approach it intends to take over 2016-17 with regard to SMSF compliance. It says trustees will see some key shifts in the ATO’s emphasis, both in terms of the activitie...

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Controversial super change scrapped — but other proposals need to be watched

At the time of writing, the new Parliament released the first batch of proposed changes to the superannuation regime, and among these was the announcement that the proposed $500,000 lifetime non-conce...

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Setting up an SMSF: What you need to know

There are tempting tax incentives for Australians to save for their retirement via the superannuation system, with an array of choice between superannuation funds that can manage your savings for you,...

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Is an SMSF right for you?

Do-it-yourself superannuation, in one form or another, has been around for about 30 years. But it has only been over the last few years that SMSFs have made an indelible mark on Australia's retirement...

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SMSF trustee with the travel bug? How to keep your fund compliant

Are you the trustee of an SMSF but also a travel aficionado? Nothing wrong with that; however trustees need to be aware that there can be negative consequences if you are out of the country for too lo...

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SMSF trustees: Non-arm’s length LRBA grace period extended

The ATO had previously held that limited recourse borrowing arrangements (LRBAs) which are not maintained on arm’s length terms need to be fixed before June 30, 2016.  Otherwise, this would...

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SMSFs: Individual or corporate trustee?

Nearly 80% of recently established self managed superannuation funds (SMSFs) operate under an individual trustee structure rather than a corporate trustee arrangement, according to statistics released...

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Federal Budget 2016 - Superannuation

Concessional contributions cap will be reduced The annual cap on concessional superannuation contributions will be reduced to $25,000 from 1 July 2017. There will be one cap for all taxpayers irr...

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SMSF safe harbour guidelines have been released

Finally, SMSF trustees can get some assurance of doing the right thing. The ATO has released guidance on the arm’s length terms (commonly known as the “safe harbour” terms) when an ...

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SMSF trustees: Don’t let “cognitive decline” sneak up on you

As the Australian population ages, and retirees become either fully or partially reliant on their own retirement savings instead of the government pension, the ability to manage those funds may be aff...

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Insurance cover through your SMSF can be tax deductible

Buying insurance within an SMSF can give access to deductible expenses that would otherwise not be available, as some insurance premiums, such as for life insurance (which typically cannot be claimed ...

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