Author: prudentia

IGR predicts drawdowns will be major source of retirement income

Drawdowns from superannuation are projected to increase to almost six per cent of gross domestic product (GDP) by 2065–66, according to the latest Intergeneration Report released on Monday.

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Retirees hardest hit by inflation

Retirees are being hit harder by rising prices than the general population, with the costs that dominate their budgets rising quicker than inflation, according to the updated Association of Super Funds Australia Retirement Standard.

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The retirement gap we don’t talk about

Retirement confidence isn’t just about your nest egg, it’s about your plan.

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Complex rules of small business CGT concessions can present challenges

The complex rules around small business capital gains tax concessions can eliminate tax on a business sale and unlock significant contributions to super when used correctly, said Jemma Sanderson, Head of SMSF and Succession for Cooper Partners.

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Children as SMSF dependents very complex

The definition of children as dependants under superannuation law is not straightforward when dealing with blended families.

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Two Cautionary Tales About Resources Important to Anyone Using a Domain Name or Website

This warning is new, but the reason for forgetting to renew a domain name isn’t.

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The three phases of retirement: Key decisions at every stage

Retirement starts long before your last day at work.

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Check out the smartest species on earth: Data from 200M BC to 2026

Check out the evolution of animal intelligence from the Jurassic Period (~200 million years ago) to 2026, ranking the most cognitively capable organisms across deep evolutionary time,

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SMSF pension shortfall – when can trustees self-assess?

Few SMSF compliance issues create as much anxiety as discovering a minimum pension hasn’t been met.

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Tokenisation to change SMSF landscape

The tokenisation with regard to the ownership structure of conventional assets will have a profound impact on SMSF holdings and compliance.

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How to turn your annual SMSF investment strategy review into a genuine analytical exercise

Many SMSF trustees see the annual investment strategy review as a compliance obligation.

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Super viewed as mortgage solution

A high number of people plan to use super to extinguish their mortgage as more people expect to retire still holding that debt.

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Financial literacy in Australia: Where we’re improving (and falling behind)

How well do we understand our money?

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Five steps towards a more confident retirement

Small steps today could make a big difference to how you feel about retirement.

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CSLR levy on SMSFs unfair

The Institute of Public Accountants has criticised the government’s intention to impose a levy on SMSF trustees to fund the CSLR.

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Check out the largest castles by country

Check out the largest fortresses by country. Only existing fortresses that stand today are considered.

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How Our Diets have Changed.

Check out the this visualization, which tracks the evolution of dietary calorie intake from 1930 to 2026.

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Can I still get the Age Pension if my super is healthy?

A healthy super balance doesn't always rule you out of the Age Pension

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Contribution splitting now more valuable

The introduction of Division 296 has highlighted the value of contribution splitting and increased the usefulness of account equalisation strategies for both lower and higher-balance members, SMSF Alliance principal David Busoli has stated.  

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Six ways Gen X can build retirement savings

Making the most of your peak earning years

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New deeming thresholds could deliver small part age pension

Two significant deeming thresholds increased on 1 July 2026, the one at which the higher deeming rate of 3.25 per cent applies, and the income-free threshold at which income in excess of the threshold begins to reduce the maximum age pension amount.

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How to maximise the impact of your inheritance

Australia’s $3.5 trillion wealth transfer: how to invest an inheritance wisely  

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ATO’s LRBA data significantly less than industry figures

There were nearly four times as many new residential loans written using limited recourse borrowing arrangements in FY2026 than the ATO’s data indicate, and the ban on LRBAs could have a greater impact on housing supply than the government suggests.

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New to SMSFs? Start preparing for your first SAR lodgment

New SMSFs that are required to lodge a self-managed super fund annual return by 31 October should start preparing now, the ATO said.

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The evolution of the world’s languages

Check out the evolution of the world's most spoken languages from 2500 BC to 2026

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The SBSCH will close from 1 July 2026

The ATO is warning employers not to use the small business super clearing house (SBSCH) for any further contributions.

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Record SMSF growth driven by digital access

Record SMSF growth driven by AI and digital tools, but admin and compliance challenges persist

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Complications of maintaining two cost bases in Div 296

According to BT technical consultant Matt Manning, the Division 296 cost base reset requires SMSFs to maintain two parallel cost bases indefinitely: one for ordinary capital gains tax and another solely for Division 296 earnings.

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Adequate retirement savings misjudged

Association of Superannuation Funds of Australia (ASFA) research has shown individuals across the country are overestimating how much super they will need in retirement.

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Rules apply to gifting in superannuation

Australia’s age pension gifting rules are again under scrutiny as advisers warn that retirees are increasingly making financial gifts that unintentionally trigger Centrelink deprivation assessments, said Janet Manzanero-Caruana, senior technical services manager for MLC.

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Heathmont Financial Services Pty Ltd (ABN 68 106 250 104) trading as Heathmont Financial Services is a Corporate Authorised Representative (No. 262098) of Knox Wealth Management Pty Ltd (ABN 74 630 256 227), Australian Financial Services Licence Number (AFSL) 513763.

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