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University Finance 101 teaches students an important fundamental investing concept – the time value of money. That is, one dollar in your hand today is worth more to you than one dollar in your hand in one year. Why? Because you can invest the one dollar in your hand in the interim.

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From 1 July 2017, the maximum amount of assets that can be contributed to a tax-free pension within the superannuation environment is $1.6 million. Amounts above this figure remaining in the superannuation environment will attract 15% tax on earnings.

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On Wednesday the 9th of November 2016, the Government introduced its superannuation legislation which makes changes to the current superannuation laws it announced in the 2016 Federal Budget.
Most of these changes will apply from 1 July 2017. It may be mindful to start thinking about how your superannuation will be impacted by the changes now and whether you might need to change any of your SMSF’s arrangements.

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Tax free
Self-managed superannuation funds (SMSF) can be an incredibly powerful vehicle for the management of a family’s wealth. However, in order to maximise their effectiveness, the people running it need to be aware of a wide range of complex laws not only to avoid breaching them but to then give them the ability to begin devising strategies to maximise the value of the assets within it.

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Legal ownership
The pool of capital sitting in superannuation is the most important asset for many Australians as it is these assets they rely upon to fund the rest of their lives.
However,  in their haste to maximise the return on their assets, many have unknowingly ventured towards unscrupulous operators promising high returns. In far too many instances the ultimate result of this has been a significant loss of assets or in some instances, complete fraud.

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Tips

The 2016 Federal Budget contained several big changes to superannuation. If the proposals are passed, the four tips below could add significant amounts to your wealth.
Tip 1:

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The Government handed down their 2016/17 budget last night and there were several drastic proposed changes to superannuation that will result in many people needing to revisit their retirement strategies.
While there are many details still yet to be determined,  we have provided a snapshot of the key proposed changes to superannuation below.

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In soccer, when the defending team commits a foul near their own goal, the attacking team are awarded a ‘penalty kick’. A penalty kick involves an attacking player receiving a ‘free shot’ on goal from 12 yards out, with only the goalkeeper to beat.
Several notable psychological studies have analysed penalty kicks in top leagues throughout the world. They discovered that the direction of penalty kicks are generally evenly spread with the kicker choosing between; left, right and straight down the center. So roughly one-third each.

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As we flagged last year, the Australian Stock Exchange (ASX) has now implemented the proposed shorter settlement time-frame.
Instead of trading shares and waiting three business days for settlement (known as T+3), it now only takes two days.

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On 1 March 2016, the ATO released new key rates and thresholds that apply to superannuation. Below are some of the important ones:
 Contribution Caps

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