A Housing Crisis – Why Baby Boomers are Staying Put

 

In The Black published a recent article surrounding the reasons why Baby Boomers (1946 -1964) are reluctant to move from their family homes.

The truth is that Baby Boomers are not moving from their homes and in the housing crisis we currently see in Australia, this means trouble for the Government who need to assist in incentivising schemes to ensure that younger growing families are not locked out of the rising housing market.
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First Home Super Savers

For a long time, the debate about accessing your superannuation for the purchase of a home has raged on.

In its 2017 Federal Budget, the Government announced it’s intention to introduce legislation that would allow first home buyers to access part of their super to purchase a home. Relevant legislation has been introduced into parliament and is before the Senate.
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Millennials and Super

As a society, Superannuation is now a natural part of our thinking and must be close to part of the adage “In life, there is death and taxes”, to which we add Superannuation.

There has been a shift amongst the major generational groupings and their influence on the Superannuation Industry. This is to be expected with the ever-changing society.
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Bitcoin and SMSFs

 

With more and more material appearing on Bitcoin and cryptocurrencies and their continuing increase in value, it is worth looking at whether these “commodities or properties” are a new investment option for your SMSF.

A bitcoin can be defined as a property and can be left to someone under a will, so the question becomes, can your SMSF invest in them?
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Staying Ahead of the Game

Staying ahead of the game involves critical and strategic thinking. It means taking the necessary steps to ensure that you are not only thinking about the previous steps you have taken but that you are also thinking about those in the future.

An important aspect of staying ahead means questioning whether what you have implemented and put in place will actually work in the future.
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The Growth of the SMSF

Having a Self-Managed Superannuation Fund has many misconceptions. Many believe that having an SMSF means that you are stepping into the unknown, or daring to be different with your retirement planning. The latest statistics from the regulators refute these common misconceptions.

 

Presently there are 600,000 SMSFs in Australia, this represents nearly a third of retirement savings, despite a fresh round of changes commencing from 1st July 2017.
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The Super Saver

As of 1 July 2017, all eligible individuals can now claim a tax deduction for personal contributions made to a superannuation fund.

Prior to 1 July 2017, only self-employed individuals and salary and wage earners meeting the 10% income test (less than 10% of income was from salary and wages) could claim a tax deduction for super contributions.
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