Independent Financial Adviser

Independent Financial Adviser

Package
Salary packaging – worth the sacrifice The principle of ‘salary sacrificing’ may not sound very appealing. After all, who in their right mind would voluntarily give up their hard-earned cash. But it can have real financial benefits for some in terms of reducing your taxable income, which could see you pay less at tax time. Read more
Paper doll, increase of people
SMSF member limit to rise While it’s not yet in force, the limit on SMSF member numbers is set to increase from the current four to six members later this year.

For some SMSFs, this will be a welcome change and will mean additional family members can join their existing fund. Read more
Investments
Bonds, inflation and your investments The recent sharp rise in bond rates may not be a big topic of conversation around the Sunday barbecue, but it has set pulses racing on financial markets amid talk of inflation and what that might mean for investors. Read more
Split
Divorce: How to make a superannuation split Separation and divorce can be a challenging time, often made all the more difficult when you have to divide your assets. So how do you go about decoupling your superannuation? Read more
weighing scales
Weighing up costs and benefits of an SMSF For many people, the idea of managing and investing your own retirement savings is very appealing.

But there is ongoing debate over whether running your own self-managed super fund (SMSF) is cost effective. So, what are the arguments for and against having your own fund? Read more