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Tax & Insurance

SMSF Tax Rates: How is a self-managed super fund taxed?

When it comes to taxes, a self-managed super fund (SMSF) is taxed differently to other types of investments outside of super. Here's a look at how SMSFs are taxed and what this means for you. An SMSF is a trust structure set up specifically for the purpose of providing retirement benefits for ...

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SMSF Insurance Options: What’s Best For Your Situation?

What types of SMSF insurance are available? Life insurance for SMSF Life insurance and SMSFs are no strangers to one another, and even conventional industry or retail super funds have a basic level of life insurance built-in. There are many positives about having your life insurance within your SMSF, including the insurance ...

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How Small Business Owners Can Legally Save Money On Tax and Protect Their Personal Assets Using Company and Trust Structures

Starting a business as a sole trader When I first started out working for myself around 8 – 9 years ago, operating as a sole trader seemed like the most logical solution. Operating as a sole trader is a simple structure to set up and maintain both in terms of tax and ...

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Self-managed super fund accountant: SMSF accounting fees & services

In recent years, fees for SMSF accounting services have consolidated as streamlining and data efficiency have come into play. Bank account and investment data feeds that plug straight into the accounting software have significantly reduced the manual work required to complete the annual SMSF audit and financial accounts. Some accountants, either by ...

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Q&A: Do you need Income Protection Insurance?

For as long as I can remember, income protection insurance has been a great way for financial planners to generate revenue for their business. To give you an idea of just how lucrative selling an income protection insurance policy to a client is, a financial planner will usually receive 110% of the ...

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Q&A: Self Managed Super Fund (SMSF) Insurance Options

Suppose you're like many other motivated Aussies and have decided to set up your very own DIY-superfund, also known as an SMSF. The question of insurance in the fund has probably crossed your mind. Most conventional super funds will offer some form of insurance by default, whether it be life, income protection ...

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Q&A: SMSF Capital Gains Tax (CGT): How It Works for Self Managed Funds

When you sell shares, property or a business and generate a profit, you have made a capital gain on the transaction. Capital gains are generally considered taxable income but exactly how much tax is payable on this income often boils down to how long you have held the asset before selling it. ...

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The 7 Biggest Myths About Life Insurance

Few other things in life are more confronting than planning for one's death, which is one of the many reasons why many of us have never given serious thought to obtaining life insurance. The reality is it can be a vitally important decision to make, especially when your family's livelihoods are potentially ...

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Income Tax Rate Tables For Individuals & Companies In Australia: 2019 – 2024

We find it particularly difficult to locate the marginal tax rates for Australians in one place. Individual Income Tax Rates Below you will find the ATO published income tax rates for the 2019/2020 financial year. We find these particularly misleading as it does not give you the full picture. Read on to ...

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Tax Saving & Superannuation Opportunities For the End of the Financial Year

The following tax saving opportunities for 2020 has been prepared by one of our accountants, we hope you find it useful. It contains some great tips about Superannuation for employers and employees. If your accountant hasn't provider similar advice or you are in the market for a new accountant, check out our ...

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Kind words from Aussies managing
their own self funded futures

  • SMSF Mate is a unique website because it has ideas about how to approach SMSFs, insurance and other financial topics that come straight from first hand experience. It's much more useful than what you find on all the other financial websites that just offer generic info that you could easily get on the ATO's website. It's also nice to know there's no financial incentive behind the information, it's legitimately there to help people understand self-managed super funds and how to get the most out of them, not to get an affiliate commission from a broker or other financial services provider. The investment product information is also incredibly useful, I've never seen this kind of functionality on any other website that let's you look at such a wide range of products, sort by what info is most interesting or important to you, and subscribe to updates for different funds and financial products all in one place. Definitely worth checking out if you own or are considering an SMSF!

    David G, Self-Employed, SMSF Owner
  • SMSF Mate provides a unique insight into superannuation and financial topics in a way that is easier to understand than conventional websites. The colloquial nature of the site makes it easy to understand and they often speak about complicated topics in lamens terms so I can wrap my head around them. The investment product information is a great way to research funds that I am interested in investing in with my SMSF and there is a lot of helpful information on the site for better structuring my investment portfolio. In comparison to other websites which offer similar information, SMSF Mate excels as the information is free to access whereas many other sites charge a subscription fee for the same thing. Overall, I think SMSF Mate is a great resource for SMSF trustees and is worth looking at for a variety of super-related topics. Thanks.

    Tim B, Business Owner, SMSF Trustee