News & Media

Looking beyond super for tax effective investment structures

30 June 2016

With proposed changes to superannuation announced in the 2016 Federal Budget, many investors are seeking advice on their retirement planning options. Company Structures and Investment Bonds are two investment structures worth considering as a means of supplementing superannuation. Let’s take a look at them side by side. Company structures may suit high net wealth clients

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Investment Bonds Insights June 2016

30 June 2016

With the Federal Election looming, proposed changes to superannuation concessional and non- concessional caps could significantly affect the plans and strategies many of your clients have in place for their retirement. Your clients may be relying on you to present alternative options for tax-effective investing. An option worth considering is a Centuria Investment Bond. Centuria

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5 things to prepare you for the proposed changes to superannuation announced in the Federal Budget

29 June 2016

1. Tighter limits to be placed on contributions into super: Concessional Contributions:  Annual cap to be reduced to $25k (AWOTE-Indexed) from 1 July 2017.  Some catch up allowances will be allowed for those with a balance under $500,000. Non – concessional contributions: To be reduced to a lifetime cap of $500,000 with immediate effect (also

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A look at dying well

2 June 2016

It is the last thing that you will ever do, so why not do it well? The Grattan Institute, a Melbourne think tank, issued a report on dying well. The report shows that, although 70% of people want to die at home, only 14% do. Well worth a read but since you probably don’t have

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What look for when choosing an aged care facility

2 June 2016

Choosing an aged care facility for you or a loved one is stressful.  You should always tour the facility as they are very personal – some people like homely environments whilst others prefer to live in modern and new housing.  Here is a a guide to what to look for when you have narrowed down

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Understanding the different options when looking at housing for the aged

2 June 2016

Retirement village, nursing home or somewhere else that provides care and does not charge an ongoing fee?  What is the difference and how do you tell them apart?  Which one is more suitable for you or your parent?  This article helps you to understand the options. Aged Care Residential Facility (nursing home) This is a

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Budget puts paid to tax friendly super strategies for the wealthy

18 May 2016

Investors urged to consider tax-effective investments outside of super Sydney, 18 May 2016: “The 2016 Federal Budget made it clear that the Government’s changes, if passed into legislation, will force wealthier investors to consider alternative investments to complement their super when it comes to structuring their finances and planning for retirement. Making additional contributions to

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A tax-effective complement to super

22 April 2016

by Neil Rogan As published in Cuffelinks Edition 152 published on 22 April 2016 Superannuation is a tax-effective vehicle for long-term retirement savings. Currently, both contributions and investment earnings (in accumulation phase) are taxed at 15% for people with taxable incomes less than $300,000. This rate is significantly less than the highest personal marginal tax

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Investment Bond Insights March 2016

8 March 2016

This year is already shaping up to be a year of change with growing regulatory uncertainty around super continuing. This environment makes it an opportune time to have some great conversations with your clients. For example, if you have clients considering their aged care options, looking to supplement their superannuation, seeking estate planning certainty or

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Back to school: confronting the rising cost of education

22 February 2016

Starting early, saving consistently and minimising tax key to keeping school options open If you’re worried about your ability to pay school fees in the future, you’re not alone. The cost of education is going up, sometimes by as much as twice the rate of inflation, every year. Neil Rogan, General Manager of the investment

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