How does an SMSF buy a property?

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There are a lot of considerations about buying property as an investment and the complexities increase when the purchaser is an SMSF. Importantly with an SMSF, there are a number of protocols and structures to consider in the purchase process. This article will look at different funding strategies for SMSFs to consider, pros and cons […]

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Don’t panic! What superannuation is teaching the post-GFC world

Ten years since the collapse of US investment bank Lehman Brothers, Australia’s superannuation funds have accumulated over $1 trillion in retirement savings, providing a windfall for members prepared to take a long-term view. According to data from leading superannuation research house SuperRatings, members with a balance of $100,000 at the end of August 2008, just days […]

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Excess transfer balance determinations now being issued by ATO

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The ATO determines whether a taxpayer has exceeded the transfer balance limit of $1.6m and if a taxpayer has exceeded the $1.6m limit, the ATO must issue an excess transfer balance determination (ETB determination) to the taxpayer. An ETB determination means the taxpayer has too much super in pension phase. The ETB determination will specify […]

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New research provides missing link in risk advice methodologies

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New Zurich research has accurately quantified the direct and indirect costs of serious health conditions, providing licensees and advisers with a more robust platform to recommend products, benefits and sums insured to life insurance consumers. Zurich’s Cost of Care study, conducted in conjunction with research partner Zest Healthcare Communications, draws on industry wide data to […]

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Video wills can put estates in jeopardy

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A recent Court case in Western Australia has demonstrated the problems and risks of recording yourself on video outlining your instructions and wishes in the hope that it might be interpreted as your last intended Will. In a recent Western Australian case*, the Supreme Court was asked to accept 4 videos made by Peter Pitman […]

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Tariffs add to existing drags on Chinese growth

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“The US has slapped a 10 per cent tariff on US$200 billion of Chinese goods, threatening to increase this to 25 per cent in 2019 in the absence of a trade deal. Meanwhile, China retaliated with its own levies of up to 10 per cent on US$60 billion of US imports. “We estimate the measures […]

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Insurers ready to increase risk exposure as macroeconomic concerns abate

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Despite challenging market conditions and profitability remaining under continued pressure, insurers are in a relatively upbeat mood and ready to take on more risk, according to a study commissioned by BlackRock. “Searching for better returns”, BlackRock’s seventh annual global survey of 372 senior insurance executives across 27 countries in the insurance and reinsurance sectors, representing […]

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CPD: Listed investment trusts – a listed growth story

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Led by exchange traded funds (ETFs), listed investments have experienced significant growth over the last decade, a period which coincides with the end of the global financial crisis (GFC). In this article, GSFM examines a growing sub-sector of listed investments, the Listed Investment Trusts (LITs) and compares LITs to other investment structures. In the 12 […]

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CPD: The changing face of demographics and why economies should care

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Summary In 2011 a dramatic shift occurred throughout the developed world — working age populations began a multi-decade decline. Demographic shifts like this in an economy can have profound effects, including changes in growth and debt metrics. To understand these effects we will start by explaining the economic effects in simple terms, seek insights from […]

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Equity bull run leaves many over exposed and under-diversified

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The bull run in Australia’s equity markets has been a magnet to investors with an appetite for simple, cheap and passive investment products, but this approach has led many to ignore the opportunities that alternative assets can deliver, including consistent income and growth. Kyle Lidbury, Head of Investments Research of Perpetual Private, said that lack of accessibility […]

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