Tax Effective Investing outside of superannuation – look no further than investment bonds

From

Advisers and investors urged to look carefully at options outside of super Following changes to superannuation legislated in 2016, the Treasurer has been vocal in his view that superannuation should be ‘fit for purpose’. He also acknowledged that ‘a prosperous Australia needs a well-targeted superannuation system that supports and encourages all Australians to save’, but […]

continue reading

Estate planning made simple

From

 An investment bond gives you certainty and simplicity in estate planning. Clients spend a lifetime saving and building their wealth, however without an effective estate planning solution, families can face dire consequences on death. These consequences may include: distribution to the wrong beneficiaries high legal fees lengthy delays in accessing estate proceeds erosion of wealth […]

continue reading

Using investment bonds to increase age pension and manage the intergenerational transfer of wealth

From

Utilising investment bonds to manage intergenerational transfer of wealth post 1 January 2017 may have the by-product of increasing Age Pension entitlements – Case Study Bob (78) and Margaret (68). With changes to the age pension assets test that came into effect from 1 January 2017, existing part–pensioners may be considering their options to retain […]

continue reading

Utilising Investment Bonds to maximise your age pension entitlements post 1 January 2017

From

Overview From 1 January 2017, there are changes to the assets test taper rates and thresholds; this means many couples and individuals could lose part or all of their age pension entitlements. Some of the existing strategies to reduce assets and increase age pension entitlements may no longer be appropriate, with many clients looking for […]

continue reading

Changes to superannuation – the end of unlimited, tax effective superannuation

From

“Now that the Government has finalised legislation for super reforms, there is some certainty over the changes that will come into place on 1st July 2017. “What the legislation shows is that making additional contributions to super may no longer be the best option for investors planning for their retirement. Those savers likely to exceed […]

continue reading

The Election is over, and it is likely that unlimited taxeffective super balances are over too

From

“Proposed changes to superannuation may have a significant impact on the retirement savings plans for many Australians and they need to consider alternative tax-effective strategies.” These are the words of Neil Rogan, General Manager of the Investment Bond Division for Centuria Capital (Centuria), who today highlighted that the federal election result is likely to mean […]

continue reading

All eyes on “supplementing super” ahead of budget night

From

With mooted changes to superannuation tax incentives one of the hottest and most contentious tips for the upcoming federal budget, many Australians are facing a real conundrum about supplementing and growing their retirement savings. “For those planning for retirement and their advisers, uncertainty about super means the search for tax effective structures to supplement super […]

continue reading

Lonsec gives Centuria investment bonds the seal of approval

From

Ratings house Lonsec Research has rated four of Centuria Life Limited’s investment bonds ‘Investment Grade’. Based on rigorous analysis, this rating means that Lonsec has conviction the financial product can generate risk-adjusted returns in line with relevant objectives. The rating applies to the Australian Shares Bond, Balanced Bond, Growth Bond and High Growth Bond. Neil […]

continue reading

Half-yearly results a strong scorecard for Centuria

From

Specialist investment manager Centuria Capital has announced results for the half year ended 31 December 2015 and declared a fully franked dividend of 2.25 cents per share, up 12.5% from the same period last year. The full year underlying NPAT is likely to lie within the guidance range of $9.0 million to $10.5 million, again […]

continue reading

Lonsec gives Centuria investment bonds the seal of approval

From

Ratings house Lonsec Research has rated four of Centuria Life Limited’s investment bonds ‘Investment Grade’. Based on rigorous analysis, this rating means that Lonsec has conviction the financial product can generate risk-adjusted returns in line with relevant objectives. The rating applies to the Australian Shares Bond, Balanced Bond, Growth Bond and High Growth Bond. Neil […]

continue reading