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Recent Questions & Answers

Investing through a trust

Paul Rickard

This question is in relation to the planning considerations for an investment combination of an SMSF and Discretionary Trust.

Under the hypothetical situation where a couple could potentially accumulate $2.6m by retirement at age 65, would it be better to target $1.6m for the SMSF (to be within the cap), and $1m for the Trust?

The basis of this question is to understand the planning considerations and analysis required to develop this strategy (noting particularly the transfer balance cap rules for super). Part of the decision making is probably related to a perspective on the risk of having all assets “tied up” in super – the Trust would provide an alternate, that is more at the discretion of the trustees. The question is how to determine the right balance between the funds in the SMSF vs the Trust, particularly from a tax perspective. For example, should the SMSF target $2m, and the Trust target $600k (what are the advantages / disadvantages of this?).

Any insights into the planning and strategy considerations appreciated. Thanks!


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Capital Losses

Paul Rickard

I wish to know the implications if I was to sell my shares at a loss prior to year end and then purchase them back in the new financial year.


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Constructing a portfolio

Paul Rickard

I have just joined your news letter and was wondering if you advise on any particular ETF’s or managed funds or mainly equities?

I have viewed your growth and income portfolios and would like some advice on how to start a new portfolio which will be in about march next year.


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