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Superannuation
Changing risk options on super

Government co-contributions
If we contribute to super will the government co-contribute?

All super in one fund
Is it safe to keep all of my super in one fund?

Superannuation
Will my pension from super be tax-free after I turn 60?

Inheritance
Are there any implications to passing on inheritance while you are still alive?

Family trust
Is a family trust the right choice for us?

Governments co-contribution into super
Who is eligible?

Contributing to Super
Should I salary sacrifice into mine or my wife's super account?

Buying the rental
I'd like to buy the property I currently rent. How do I do it?

Self Managed Super Fund
m I eligible for the government co-contribution if I salary sacrifice to the SMSF?

Super funds
Wouldn't you be better off in a fund which had low returns now but had better performance later?

Poor returns on pension accounts
Should I withdraw all of my pension and put it elsewhere for higher returns?

Early retirement at 55
How would tax affect super at early retirement?

Allocated pension
Will I have to declare the income as taxable income?

Superannuation
Is the annual contribution limit for superannuation based on the financial year, or the birth year?

Good saver
Do you think, given I am a good saver, I am on the right path to investing correctly?

Pension system
I have recently been contacted by a financial investment company who tell me that if I am working or self-employed, I can claim back tax and use the money for investment. Is this true?

Withdrawing from super
Can I withdraw money from my super tax-free, even though my wife and I are still working?

Financial advice
Is there anything that can be done to avoid the unnecessary paperwork and cost?

Pay off a loan on credit?
What is in the fine print?

Protecting capital
Should I transfer them now to a stream that protects the capital?

Selling two properties
Is it worth selling both houses, buying a house to live in with no, or little debt, and then buying a new investment property with all debt?

Undeducted contributions to super
Can you put money directly into super and how much tax do you pay?

Stock market volatility
With the volatility of the stock market, is now a good time to invest or sit for a few months to see what else happens?

Age pension and extra income
Is it best to approach a financial adviser to set up a managed pension fund or to do something else with the money?

Tax implications on money gift
Can you receive money as a gift, and will there be tax charged?

Greater income flow for retirees
Is there anything we can do to reduce this risk?

Salary sacrifice into super
What financial planning strategies are suitable to my situation?

Paying off credit card debt
What are your suggestions for attacking my debt?

Separation of loan accounts
Is this sufficient for tax claiming or does the line of credit have to have segmented or separate accounts?


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Each week financial advisor Noel Whittaker answers your questions.

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