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Risks of entering into a scheme An SMSF is a trust generally run for the sole purpose of providing retirement benefits to its members. Generally, it’s illegal for anyone to benefit from the SMSF outside this arrangement. Individuals are being targeted to start an SMSF for a range of inappropriate and illegal reasons, such as:...Read More

The federal government has announced updates to its plan to reduce tax concessions on superannuation investment earnings for Australians with balances over $3 million. While the proposal is yet to be legislated, several key changes have been introduced. What’s changing? The revised proposal excludes unrealised capital gains, meaning only realised gains including profits from the...Read More

When school holidays come along, there are plenty of cheap and cheerful things to do. Hanging out at home With some planning and creative thinking, there are ways to keep your kids busy at home. Art and craft Look around the house for things to use for art and craft activities. Anything from making sock...Read More

Divorce or separation is one of life’s major turning points, both personally and financially. For self-employed women, the financial impact often extends beyond the family home. Your superannuation is an important part of your long-term security and forms a key component of the asset settlement process. At MBA Financial Strategists, we understand that separating personal...Read More

Low interest rates have intensified the search for higher income returns Noted in a recent article, Australian households are now holding record amounts of cash. Reserve Bank data shows the weighted average interest rate being paid on term deposit amounts up to $10,000 held in authorised deposit-taking institutions (ADI) such as banks and credit unions...Read More

How much super should I have is a common question. But when it comes to how much super (or other savings) you’ll need for retirement there’s no single right number – because everyone’s retirement looks different. It depends what your big costs are likely to be, and what sort of lifestyle you want. No matter...Read More

Owning your home outright might feel like a far-off dream, especially if you’re grappling with cost-of-living increases – but with a few smart financial strategies, it could become a reality sooner than expected. Paying off your loan faster doesn’t have to mean overhauling your lifestyle or making huge sacrifices. In fact, many people make real...Read More

Divorce or Separation is one of life’s most significant events. It often brings both challenges and opportunities – a time to reassess priorities, rebuild wealth and restore confidence in your financial future. At MBA Financial Strategists financial advisers such as Laura Drost work with people who are navigating life after separation. This summary outlines key...Read More

Australians inherited an estimated $150 billion in 2024, an increase of more than 70 per cent in a decade, according to a JBWere report.i It’s a number that’s predicted to grow more rapidly over the coming 20 years to $5.4 trillion, the report finds. Managing this flow of wealth to family groups, often complicated by...Read More

When you think about the markets, do you see promise or peril? Are you the type to believe the glass is half-full, or do you focus on the half that is not there? Your investing outlook can shape your decisions, influence your risk tolerance, and impact your long-term results. But which approach truly works best?...Read More