Superannuation & Investment

Angie T.

Gladesville, NSW

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Looking to buy a block of land in Nelson Bay and build in 5 years for our retirement. Price $450,000. Can we use SMSF to buy and how much could we borrow? We do want to live in the property when we retire in 10 years?

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6 years ago

Marcus T.

Ryde, NSW

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Wife and I in our mid 50’ss with not much super. Looking to downsize from a family home worth about $1.6M into an apartment block, Purchase price $950K including costs. We are both still enjoying working so should we look to place the funds into a managed fund where we can get access or our super? thanks

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6 years ago

Steven R.

Lenah Valley, TAS

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Are there any good stockbroking software to assist in buying and selling shares on the stockmarket?

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6 years ago

Helen H.

Epping, NSW

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My husband and I are down to one income and would like to take some pressure off our home loan by selling an investment property. It was purchased using SMSF. We are hoping to use the equity to pay down the loan but not sure if we can?

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6 years ago

Steven R.

Lenah Valley, TAS

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What is the best superfund that has the lowest fees and best returns?

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6 years ago

Bec M.

Drummoyne, NSW

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Hi, we took some bad advice a number of years ago which affected our super. We have a business that is going well and we pay ourselves quite well ($125,000 each) and we own our own home. Given the hit to our super should we look to reduce our salaries and put the difference into our super. We are in our mid 50’s and would like to know the tax implications of this strategy?

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6 years ago

Tamara C.

St Peters, NSW

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Hi, if I buy a property through my SMSF can I live in the property and are there any tax implications if I did?

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6 years ago

Julie C.

West Ryde, NSW

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Hello, I am 59 and want to start planning for my retirement. I would like to get some feedback in relation to the proposed changes to superannuation if the Labour government wins the next election. I have $400,000 in super and now quite nervous about how it might affect my retirement plans. Can someone provide some advice?

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6 years ago

Jill S.

Rosebery, NSW

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Hi..my new partner and I have discussed getting married and we have 5 kids between us. Our previous partners have already remarried and one has a new baby. Is it possible to set up life or disability insurance where only my new partner and I or the kids can access the funds should anything happen?

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6 years ago

Ingrid P.

Camberwell, VIC

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I have just set up my own business, what’s the best way to choose a superannuation fund. What questions do I need to ask?

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6 years ago

Margot B.

Zetland, NSW

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I am thinking of buying my first investment property. Would you recommend a negative gearing strategy and have the loan interest only or should I go principal and interest and look to create more equity?

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6 years ago

Phillip W.

Emu Plains, NSW

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I am 54 and my super is about $220,000. I own my home and have an investment property in Bathurst worth about $200,000.

There has been very little capital gain as it needs a bit of work.

I want to retire at 60…. should I sell Bathurst and put it all into my super?

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6 years ago

Tony W.

Appin, NSW

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Can I use funds in my SMSF to invest in a business and are there any limits in terms of how much I can invest?

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6 years ago

Nick P.

Bathurst, NSW

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We own our home and investment properties worth about $1M ..no debt. I have only been in my job for 2 years so don’t have any long service leave. My wife and I are 57 and in good health and thinking about travelling for 12 months, we have have 50k in savings. Where is the best place to get a return in the rental income while we are away?

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6 years ago

Rick B.

Springvale, VIC

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My wife and I are quite risk adverse when it comes to investing. We are about to receive a sizeable inheritance of about $700,000 and want to ask if we should buy an investment property or put the money into super as we’re in our early 50’s and both still working?

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6 years ago

Bill S.

Mortdale, NSW

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My wife and I are in our early 70’s and concerned about the money coming in and how it is impacting the things we want to do. We own our family home and would like to ask about the implications of our 2 kids buying into our home? Are there tax issues for us or them?

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6 years ago

Marcus E.

Petersham, NSW

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I have stable employment and earn $220,000 a year. Unfortunately, I made a poor decision to get involved in one of those investment schemes where you get tax deductions up front.

The tax department has since closed down this scheme and I now have to pay $180,000 to the ATO. I have 2 properties but there isn’t enough equity to refinance and pay the ATO.
I don’t want to declare myself bankrupt and would like to know what other options are available?

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6 years ago

Tim A.

Liverpool, NSW

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Is it possible to minimise tax when you receive a TPD payment? I’m 53 and expecting about $300,000 – do I put into super and will that stop me from being able to access fund when I need it?

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6 years ago

David B.

Hornsby, NSW

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We are looking at retirement village options for our parents and wanted to know if stamp duty is payable at any time, thank you?

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6 years ago

Kerry B.

Carlton, VIC

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My wife and I have our own separate superannuation. If we set up an SMSF can our individual super be rolled into the one SMSF so we can buy 2 or 3 investment properties?

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6 years ago