SMSF

When Is the Right Time to Wind Up an SMSF?

Managing a self-managed super fund (SMSF) can be rewarding, but there comes a point where the complexity and effort involved may no longer justify the benefits. In cases like yours—where a single member, aging trustee, and shifting financial needs are in play—it’s worth considering whether an industry fund might be a better alternative. Key Considerations […]

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‘Follow the Bunnings’: Top Tips for SMSF Property Investors

Investing in commercial property through a self-managed superannuation fund (SMSF) is an increasingly attractive strategy for those looking to secure stable yields and long-term capital growth. While residential property investment has faced tightening regulations and diminishing returns, commercial real estate remains a lucrative option—particularly for SMSFs in the retirement phase. At Boa & Co. Chartered

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Why SMSFs Require a Holistic Approach to Property Investment

Navigating the complexities of property investment through a Self-Managed Super Fund (SMSF) can be a powerful strategy for building retirement wealth, but it comes with a range of compliance challenges. Recent data from the Australian Taxation Office (ATO) indicates a growing interest in SMSFs investing in property, with residential property allocations rising 26.4% to $55.2

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TPD Payouts and SMSF Tax: What Members Need to Know

Total and Permanent Disability (TPD) insurance payouts can provide vital financial support for SMSF members experiencing a life-changing event. However, understanding the tax implications of these payouts is crucial, as they can vary significantly based on the member’s age and circumstances. Tax Treatment of TPD Payouts Key Considerations for SMSF Trustees Practical Steps for SMSF

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2025 Insights for High-Income Professionals: SMSF Considerations for Surgeons, Specialists, and Executives

As we approach 2025, high-income professionals such as surgeons, medical specialists, and corporate executives need to prioritize strategic decision-making within their Self-Managed Super Funds (SMSFs). With regulatory changes, evolving market conditions, and emerging compliance obligations, staying ahead is essential to protect and grow wealth. Here are some of the key SMSF considerations tailored for high-income

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Navigating SMSF Audits: Why Your Investment Strategy Matters

Self-managed super fund (SMSF) trustees, particularly high-income earners such as medical specialists, legal professionals, and business executives, must prioritize their investment strategy documentation to ensure compliance and avoid scrutiny by the Australian Taxation Office (ATO). Properly maintaining and reviewing this documentation throughout the year is not just a regulatory requirement but a critical step in

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Managing an Ageing SMSF Client Base: Essential Strategies for Success

As the demographic of Self-Managed Superannuation Fund (SMSF) members ages, managing these funds effectively becomes increasingly crucial. With over 50% of SMSF members now over the age of 60, the need for strategic planning and risk management in SMSF administration is more pressing than ever. This article delves into the essential strategies for managing an

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Why a Self-Managed Super Fund Might Be the Right Choice for You

In Australia, more and more individuals are opting to take control of their superannuation through Self-Managed Superannuation Funds (SMSFs). With nearly a third of all superannuation funds now held in SMSFs, this option is particularly appealing to those who want to be actively involved in their retirement planning. Let’s explore some of the key benefits

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NALI/NALE: Navigating the New NALI/NALE Rules for SMSFs

Understanding the Practical Application of SMSF Expense Regulations The Australian Parliament has recently passed significant reforms to the non-arm’s length expense rules for self-managed super funds (SMSFs), effective from the 2018-19 income year onwards. These changes are crucial for SMSF trustees and their advisors, as they introduce new compliance requirements and potential pitfalls. Key Changes

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SMSF Compliance: What Happens When Trustees Move Overseas

Residency Rules for SMSF Trustees Living Overseas If you’re an SMSF trustee planning to live overseas for an extended period, maintaining your super fund’s status as an “Australian superannuation fund” is crucial to keep the associated tax benefits. The Tax Office requires you to pass three specific tests to meet this requirement. Test 1: Establishment

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