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Superannuation is a long term investment

July 27, 2017 · Published by RJS Wealth Management Pty Ltd

“It’s your time in the market, not your timing of the market that will have the most impact on your final balance at retirement1”.

Superannuation is a long term investment by nature. As you look over your statements and updates through the years, you’ll see that some years your investments may go backwards, especially if the share market hasn’t had a great year. It might be hard to look at your reduced value portfolio in some year-end reports, but if you hang in there, over the long term, you’ll see the overall trend is upward. Trust this trend. Don’t be spooked by market volatility. Whatever you do, don’t try to sell your way out of a market downturn.

Smart EOFY Strategies 2016/17: Individuals

June 8, 2017 · Published by RJS Wealth Management Pty Ltd

We know that there isn’t a one-size-fits-all solution to wealth management. So we’ve outlined 12 tax-effective strategies that you may benefit from. We can help you find what strategies are right for you, so you can benefit now and also save your retirement.

The final countdown: super reforms start on July 1

· Published by RJS Wealth Management Pty Ltd

Over the past weeks we’ve been doing our best to present the impacts of the upcoming super reforms in a way that’s clear and gives you a sense of what you need to expect on 1 July. And as we enter the final month of the financial year, we hope you have prepared yourself and your superannuation for the upcoming changes. Just in case you haven’t, here’s a quick summary of the main reforms and what you might need to do to be ready for each. You will need to act quickly (if you haven’t already) so perhaps put your financial adviser on speed dial for the next few weeks. Below, we’ve listed the topics of our recent series on super reforms and included a link to each blog so you can easily find out more about whichever topic concerns you. And of course, your first step should be to contact your financial adviser.

Defined benefit pension holders, this one’s for you

· Published by RJS Wealth Management Pty Ltd

Defined Benefit pensions provide a guaranteed pension income stream for those lucky enough to have them. According to the Sydney Morning Defined Benefit pensions provide a guaranteed pension income stream for those lucky enough to have them. According to the Sydney Morning Herald, it’s close to a million Australians. Offered by a small cohort of corporates and public sector departments, a big advantage of these pensions is that market influences don’t change your income, your employer or the fund takes that risk on for you. In light of the upcoming super reforms, general advice is, if you do have one, hang on to it but to be sure this is right for you, check with your financial adviser.

Super reform: Transfer of super death benefits

· Published by RJS Wealth Management Pty Ltd

One of the more complex areas affected by the upcoming super reforms is the subject of death benefits. Of particular concern is how death benefits passed on by a spouse are affected by the new $1.6m Transfer Balance Cap How to structure your affairs to support your dependents when you are no longer there to do so is also an area of interest.

How the reform on concessional contributions will affect you

· Published by RJS Wealth Management Pty Ltd

When people speak about the new super reforms there’s a lot of focus on the new transfer balance cap of $1.6m, or the impact of capital gains tax on balances withdrawn from super into accumulation. These new rules are making life less pleasant for many Australians and we know they’re not popular with everyone. We hope if you are one of those affected, you’re speaking to an adviser about what to do and you’ve got a plan of action.

Non-concessional contributions – move fast or lose the chance

· Published by RJS Wealth Management Pty Ltd

It’s June already. The year is flying by. If there’s any action you can take before July 1 that will save you tax, or allow you to contribute more to your fund without penalty, then you should begin to investigate, especially if you’re planning to make a large contribution. The reduction of the annual cap on non-concessional (after tax) contributions from $180k to $100k from July 1 means investors should make any large planned contributions before the end of financial year.

How does CGT relief under the new super reform work in practice?

· Published by RJS Wealth Management Pty Ltd

The federal government has persistently justified its super reforms by telling us that many of the changes to super coming up on 1 July 2017 don’t affect too many people. This may be true, but those who are impacted have some major decisions ahead of them. The truth is, the numbers of Australians who need to review their super situation isn’t exactly tiny. It’s estimated that of 580,000 Australian SMSFs, up to 1 in 3 could be materially affected by the new $1.6m transfer balance cap rule1. That’s about 200,000 people who should be making appointments with their financial adviser.

How the new Transfer Balance Cap affects your super

· Published by RJS Wealth Management Pty Ltd

One of the new super reforms getting a decent amount of attention from industry experts and media is the new transfer balance cap. It limits the total balance that any individual can roll into a tax-free income stream to $1.6m. From 1 July 2017, every time any Australian rolls accumulated super into a pension, the transfer balance will be recorded. There’s no limit on the number of times you can transfer accumulated super into pension phase, as long as the $1.6m cap is not exceeded.

Federal Budget 2017: Social security

May 11, 2017 · Published by RJS Wealth Management Pty Ltd

Pensioners who lost their Pensioner Concession Card entitlement due to the assets test changes on 1 January 2017 will have their card reinstated. Those who lost their entitlement were instead issued with both a Health Care Card and a Commonwealth Seniors Health Card. However these cards provided access to fewer concessions than the Pensioner Concession Card.