Author: prudentia

The top mode of transport in the world

check out the top modes of transport and how prevalent they are.

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From purchase to lease, SMSF property documentation is essential

Lease agreements for property must also adhere to non-arm’s length regulations to avoid the scrutiny of the ATO, says an SMSF expert.

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Returns rebound in 2022-23

Investment markets rebounded in 2022-23. But it's important to understand that asset class returns vary from year to year.

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Taxing unrealised capital gains a grave concern: Burgess

The SMSFA has renewed its call for a more equitable and less costly approach to the federal government’s proposed new tax on superannuation balances exceeding $3 million.

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Understanding the role of custodians

Investment custodians have an important function to safeguard the assets of millions of Australian investors.

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Our investment and economic outlook, July 2023

Read our latest forecasts for investment returns and our region-by-region economic outlook.

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Why do investor returns differ from the returns reported by fund managers, exchange tradedfunds (ETFs) or index returns?

There are several reasons why actual investor returns can be different to the reported total returnson fund manager websites. Here are some common factors: Source: above illustration provided by Morningstar The gap between shareholders’ actual returns and reported total returns underscores theperils of getting caught up in the hype of funds with high-flying returns, which...

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Preparing for EOFY tax scams with business and cyber resilience

Every end of financial year (EOFY) season involves a rush by Australians wanting to get their tax returns completed. Increasingly, though, this period is seen as an opportunity for bad people to take advantage of us. . Too often the EOFY rush involves hastily clicking on links, giving personal information to the wrong person, or...

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More Australians are unlocking home equity to fund retirement

A growing number of Australians are downsizing their home to fund their retirement. Here's the latest data from the ATO on use of the downsizer measure.

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Tax alert warning could catch more in the ATO web

It’s not just SMSF trustees that may be caught under the tax alert issued last week in regards to property and arms’ length dealings, warns a specialist SMSF legal expert.

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Five questions that indicate how financial literate you are.

Australia has a relatively high level of financial literacy when ranked globally. In a study of 140 economies, Australia ranked in the top 10 countries for financial literacy.

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Top 50 Greatest Cuisines

check out the top 50 most Delicious Cuisines in the World

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The “secret” to financial freedom? Persist while others quit

See what it means to persist in the face of market volatility.

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High interest and inflation can pay dividends for SMSFs

While much of investors’ attention is naturally aimed towards the impact on mortgage repayments, higher rates are opening massive opportunities for retirees in term deposits, bonds and lower-risk assets, says the director of a leading wealth management firm.

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Australians need a retirement confidence boost

Giving Australians better access to high-quality and more affordable financial advice is imperative.

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Is it time to refinance?

Sofie has worked with a professional Mortgage Broker, Kellie Cowie, on a number of client refinancing projects with significant savings achieved! With the current rate rises, now may be a good time to review your current mortgage / debt arrangements. Examples of recent real-world refinances Kellie has obtained for clients are detailed below: 1. A...

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Top 50 Greatest Inventions in History

Check out the greatest inventions in human history!!!

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The strong link between advice and retirement confidence

Seeking professional advice could lead to greater confidence in being financially prepared for retirement.

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Australians Seek Financial Independence – Report

The priorities of Australians have changed, with financial independence now the nation’s most common aspiration, according to a new report.

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The keys to high retirement confidence

Are you retirement ready? Our inaugural How Australia Retires study has uncovered some common themes that make Australians highly confident about their retirement.

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Summary of Superannuation Issues and Recent Changes

Recent Issues and changes that could effect you

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Legislation changes give market-linked pensions better outcome

There is now more flexibility for SMSF members with market-linked pensions whose balances exceed the transfer balance cap with better tax outcomes and estate-planning options said the managing director of a leading SMSF educational organisation.

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Banking on the Age Pension

The ranks of Australians receiving the Age Pension are increasing. It’s important to understand who is eligible and its role in retirement planning.

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Inflation drives the cost of retirement to a record high

Self-funded retirees are the hardest hit by the increasing rise in inflation and cost-of-living according to the latest research from Association of Super Funds Australia.

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Preparing for EOFY tax scams with business and cyber resilience

Every end of financial year (EOFY) season involves a rush by Australians wanting to get their tax returns completed.  Increasingly, though, this period is seen as an opportunity for bad people to take advantage of us. 

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Legal Considerations Around Recording Customers Who Enter My Business

As a business, you may consider installing video surveillance on your premises to discourage theft or ensure the safety of your customers and personnel. However, your business may suffer significant legal implications if you do not adhere to legal requirements around filming or recording customers that enter your store.

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Overview of the Federal Budget 2023 – 24

  The following are all the links to the federal government's description of its 2023 Budget.  At the bottom are the Budget Documents for those that love to get into the fine detail of a Budget.  

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2023 Federal Budget: Stronger foundations for a better future

‘Seeing our people through the hard times – and setting our country up for a better future’ “While Australia may have a lot coming at us – we have a lot going for us too” – Dr Jim Chalmers, 2023-2024 Federal Budget Speech.

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Unintended consequences of work test changes to be rectified

New draft legislation to the work test mean impacted individuals will retain their ability to claim deductions for personal contributions post 30 June 2022, says a leading adviser.

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Banks launch scam awareness campaign

The new campaign highlights the importance of customer alertness against criminal activity by scammers.

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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.

Julian McGoldrick is an Authorised Representative (No. 262098) of Knox Wealth Management Pty Ltd AFSL 513763.

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