Heart and head: managing an inheritance
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Receiving an inheritance brings greater responsibility than receiving any other form of financial windfall.
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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.
Planning for retirement? Start with these 5 steps
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It’s never too soon, or too late, to plan for life after work. When you’re in your 20s, 30s, or even 40s, retirement may seem like a lifetime away. But is it ever too early to start preparing yourself for a future of financial confidence? Definitely not.
Read MoreHow to access some of your super before fully retiring
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If you’re aged 60 or over, there’s a way you can access some of your super even if you’re still working. By starting what’s known as a ‘transition to retirement’ (TTR) pension, you can receive a tax-free income to help you ease into retirement. Or, if you plan to keep working full-time, you could use the income to boost your super, reduce debt and more.
Read MoreClarifying Div 296
/The proposed new superannuation tax on balances above $3.0m represents a major change in the way taxation works in this country. For the first time “unrealised capital gains” will be taxed, which has understandably created significant controversy in superannuation and taxation circles, not to mention amongst investors. However, the discussion of this new Div 296 tax is largely characterised by misinformation and misunderstanding. It also still has some way to go before becoming law. Accordingly, we attach the answers to some Frequently Asked Questions, as well as a calculator.
Read MoreRBA: opting out of the circular firing squad
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In my view the upending of the global trade system occasioned by the Trump Administration’s tariff agenda will more likely than not see a global recession by year-end.
Read MoreWhat we learned from one of the biggest election years ever
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If it feels like a hectic year for emerging markets investors, you’d be right.
Read MoreManage capital gains tax and boost your super
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If you make a gain on the sale of an investment, capital gains tax (CGT) can eat into your profits. But the good news is you may be able to use some of the sale proceeds to help you save on tax and grow your super.
Read MoreCommonwealth Seniors Health Card income thresholds increase – are you now eligible?
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From 20 September 2024, the Commonwealth Seniors Health Care Card (CSHC) income test thresholds increased in line with the Consumer Price index.
Read MoreLooking for value, look beyond US equities
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The recent US election raises questions about the implications for the economy and financial markets as well as equity market volatility and risk.
Read MorePrevailing view or misconception?
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Pendal’s Amy Xie Patrick busts a few modern investing myths
Read MoreAn overview of trusts in Australia
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Trusts are a common strategy and this article aims to assist with your understanding of how a trust works, the role and obligations of a trustee, the accounting and income tax implications and some of the advantages and pitfalls.
Read MoreFour ways active funds can potentially help to build wealth
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Investing in active funds can be a powerful strategy for building wealth over time. In this context, active funds are managed by professional portfolio managers who aim to outperform the market or a benchmark.
Read MoreHeart 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.
Read MoreChanges 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.
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