Knowing what your self managed super fund (SMSF) assets are worth has always mattered. It matters even more if your balance is approaching or is over $3 million. A new super tax and updated rules mean that getting your valuations right can affect how much tax you pay. A new tax on large super balances...

With a new tax on large super balances many people are asking where the best place is to grow wealth for retirement. The answer for many people is that super remains a great place to grow wealth. In fact, super may now be more attractive than ever before. The change that affects super From 1...

Self-managed super funds are generally not allowed to borrow money. A limited recourse borrowing arrangement, or LRBA, is one of the few exceptions. It lets a fund borrow to buy a single asset, with the lender’s rights limited to that asset alone. If the loan goes bad, the lender can take the asset but cannot...

If bankruptcy is on the horizon, one of the first questions people ask is what happens to their super. The answer turns on timing, the type of contribution, and how you draw on the fund. The general rule Money sitting in a regulated super fund is protected from your bankruptcy trustee. Creditors cannot touch it,...

If you’re setting up a self-managed super fund (SMSF), or already have one, one of the most important decisions you’ll make is who acts as trustee. The fund can either have individual trustees (the members themselves) or a corporate trustee (a company, with the members as its directors). Many SMSFs now use a corporate trustee...

As an SMSF trustee, you’re responsible for making sure your fund complies with superannuation laws. One of the most important rules is simple: your super must be preserved until you meet a condition of release. Accessing your super too early might seem tempting in tough times, but doing so can be illegal and carry serious...

Most people know roughly how much they have in super. Far fewer know the one number that can determine which contribution strategies are available to them. That number is your total super balance (TSB). Your TSB is the combined value of all your super interests across all your super funds. In simple terms, it is...

From 1 July 2026, the amount you can contribute to super will increase, creating new opportunities to boost your retirement savings. The annual concessional contribution cap will rise from $30,000 to $32,500. These are contributions made from pre-tax money, such as employer contributions, salary sacrifice and personal deductible contributions. Non-concessional contributions The annual non-concessional contribution...

There’s been a lot of talk about changes to super, and one of the biggest updates is now official. The government has passed the Division 296 tax, which will start from 1 July 2026. While it mainly affects people with large super balances, it’s still important to understand what’s changing and why. A quick recap...

From 1 July 2026, employers must pay their employees’ superannuation guarantee (SG) contributions at the same time as salary or wages. This new system is known as payday super. Currently, most employers pay super on a quarterly basis. From July 2026, super will instead need to be paid each pay cycle. The ATO has released...