Heart and head: managing an inheritance
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Receiving an inheritance brings greater responsibility than receiving any other form of financial windfall. It’s a delicate, emotional path, and one you should tread carefully.
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News From Wynyard Park Private Wealth
General Advice Disclaimer
This material is provided for information only. No account has been taken of the objectives, financial situation, or needs of any particular person. Accordingly, investors should, before acting on the information provided, consider the appropriateness of the advice, having regard to the investor’s objectives, financial situation, and needs.
Changes to super from 1 July 2024
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We look at the changes to super rates and rules from 1 July 2024, including the increase to the Superannuation Guarantee (SG) rate and super contribution caps.
Read MoreWho gets your superannuation when you die?
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Strict rules govern how your super is distributed when you die – and it’s important to follow those rules to make sure your money goes to whom you want.
Read MoreMake your tax cut work for you
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You may pay less tax when tax cuts take effect from 1 July. While the tax savings will depend on your circumstances, it’s important to think about the best way to use them.
Read MoreUpsize super with downsizer contributions
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When selling an eligible property, you may be able to contribute to super, even when it ordinarily wouldn’t be possible because of the restrictions that apply to other super contributions.
Read MoreRebalancing – what it is, why it matters
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Whether you work with a financial adviser or manage your own portfolio of investments, it’s important to understand the role of rebalancing and regularly review your asset allocation.
Read More2023 National Seniors Australia research: Financial wellbeing and rising cost of living
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As inflation soars to the highest rates in two decades, older Australians becoming increasingly concerned about their capacity to manage the rising cost of living.
Read MorePay down mortgage or boost super – which is best?
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You might be wondering what to do with your cashflow given the recent rise in home loan interest rates. Should you pay off your mortgage faster or save more in super?
Read MorePower-hungry AI a watch-out for equity investors
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In all the investor excitement about AI equities, investors may be missing a crucial factor. Pendal equities analyst Elise McKay explains.
Read MoreWhy you should worry about the new super tax – even with less than $3m
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These two worked examples show how the taxing of unrealised capital gains can have unintended consequences.
Read MoreMinimum pension payments return to normal (no more 50% reduction)
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From 1 July 2023, superannuation members with account-based pensions are required to again take at least the standard minimum pension amount each year from their account.
Read MoreGreater super contribution opportunities from 1 July 2023
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If you are looking to increase your super, and are under age 75, then a good way is through making non-concessional contributions.
Read MoreWant to fight climate change? New research details which actions have the most impact
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The most common actions Australians are taking to reduce their carbon footprint include recycling paper, plastics and glass and drying their clothes on a line or rack instead of using a dryer, but a new whitepaper published by Australian Ethical has found installing solar panels on your home, switching to a green energy plan and switching your superannuation to an ethical fund are the three actions that have the most impact.
Read MoreGovernment’s proposed changes to the taxation of super
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The Government has announced its intention to change the tax concessions for certain super accounts if you have a total super balance of more than $3 million.
Read MoreWhen markets twist and turn, flex your fixed income
/Investors are grappling with a number of market and economic issues at present, including high inflation, geopolitical risks, banking sector worries, and heightened uncertainty over the path of monetary policy.
Read MoreA Will isn’t always the only way
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You would have heard the saying: “where there’s a will, there’s a way”.
Read MoreMacro Perspectives: Recession, inflation and duration consideration
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From a macroeconomic perspective, 2022 centered around the actions of reserve banks around the world.
Read MoreEstate Planning: What’s the right strategy for you?
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Putting plans in place for the transfer of ownership or control of assets in the event of death is not a task many of us will willingly or enthusiastically engage in.
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