Max Newnham
Restricted access: when and how to dip into your super
Max Newnham Access to superannuation is heavily restricted. In addition to age restrictions there are also restrictions depending on the type of superannuation a person has.
A little knowledge goes a long way with fees
Max Newnham Trustees of self-managed super funds are finding that information about what other self-managed super funds are doing, and what they are paying for advice, is empowering.
Unless vigilant, taxes will pursue beyond death
Max Newnham The effect that death and taxes have on superannuation has stirred up a lot of interest.
Where Centrelink and the taxman differ on super
Max Newnham Although the new superannuation system is simpler and better, if you get it wrong it can cost you dearly.
Superannuation can affect age pension payments
Max Newnham A person's eligibility for the pension depends on their age, value of their assets, and the income they earn.
Pension-pinching government's crocodile tears for the ageing
Max Newnham All of this doom and gloom appears to be more about softening us up for tax increases rather than a real concern about funding an increasing number of Australians needing the age pension.
Common sense on self-managed funds? That would be super
Max Newnham Cooper review into Australia's superannuation system enters its third stage.
Risk of super, tax changes may fuel call for protection
Max Newnham The Henry inquiry into the taxation system and the Cooper review of superannuation will greatly increase the chance of higher taxes and reduced superannuation benefits.
DIY benefits: cost reduction and gain in control
Max Newnham There are many reasons why people have self-managed super funds - reducing administration costs is one.
To be taxed or not, that's a super question
Max Newnham Various tax concessions apply to encourage people to save for retirement. These affect the treatment of income earned by super funds in the accumulation phase and when a super fund is in pension...
SMSFs with retirement in view
Max Newnham Self-managed super funds require no minimum value.
Steer the course with self-managed super fund
Max Newnham Self-managed superannuation funds, although regulated by the ATO, must also comply with all the regulations under the Superannuation Industry Supervision Act.
Borrowing property funds can be super investing
Max Newnham There are restrictions, but an SMSF can buy property without having the funds to pay the entire cost.
Only an employee can gain from salary sacrificing into super
Max Newnham The rules are clear on tax-effective contributions.
Retirees must be wary
Max Newnham During the financial crisis some of the people hardest hit have been retirees.
Pensioners get no relief from unfair tax laws
Max Newnham It is a sad fact that politicians don't always do things because they are right.
How will you fare with benefits reduction?
Max Newnham This year's federal budget reduced benefits and concessions introduced by the Howard government under the new superannuation system.
Tax-free payments may count for pension tests
Max Newnham Just because a payment is tax-free does not mean it is not counted as income for the various Centrelink age pension tests.
Sell now or wait? Consider capital gains tax
Max Newnham There are many tax advantages associated with funds invested through a superannuation fund.
