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Can you please add some more detail missing from your model portfolios. Eg buy to position, do you advise sell points and stop loss settings?
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Thank you very much for your thorough analysis of the budget impacts on super. I am hoping that you maybe able to answer my question below.
I’m retired (genuinely not working) and currently 63 years young. I have all my super in pension phase and below the proposed $1.6m cap. I have maxed out on my NCC by being in excess of the $500,000 over the period from 1/7/2007 through to Budget night 2016. Is there anyway I can make concessional contributions to take advantage of the $35,000 per year between now and July next year?
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Paul, I want to buy an ETF listed on the NYSE. It is DBA. I was wondering if there could be an ASX listed ETF holding roughly the same basket of commodities: corn, coffee… and if you would recommend it. Also, could you please give me the code for the best gold ETF, in your opinion, trading on the ASX? Thank you.
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I am 62 and over the $1.6mil cap. I also receive a Defence pension of $32,000 under DFRDB. This pension is paid as income and taxable. Will this affect my cap?
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My wife and I are 35 years old and have a combined super balance approx. $300k. Between us, we make $42k per annum concessional contribution. We do not make non-concessional contribution. Our accountant has recommended that we consider setting up a SMSF account. His recommendation was to top-up the SMSF fund by making non-concessional contribution of $200k by selling one of our investment properties; and borrow in Super to buy a commercial property. While we’re not sure of contributing $200k to Super, we like the idea of starting an SMSF.
Is it too early (age wise) to consider SMSF at 35 with a balance of $300k? What are some of the investment strategies should we consider?
We’ll appreciate your advice.
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Peter, many thanks for your summary on budget effects upon super.
If in one of your points a self funded retired pensioner has say $2.0M in their super and decides to take a lump sum of $400k to get down to the cap, can they not earn out of super up to $18k on the $400k before any tax is payable, but if it goes into an accumulation fund tax is owed at 15% on any yield earnt on the $400k?
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