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SMSF is always the cleanest option for CGT as you own the underlying funds and therefore the CGT is specific to your fund and not a pooled…

@onceupon8 has largely covered off on what I was going to say and unfortunately it is difficult which is the major issue with this…

For Deductible debt, it is a little bit less certain when compared to paying off home loan debt (i.e non-deductible debt). It does come…

Yes this is all worked out at Tax time. You will see a balance in your superannuation account that shows the break up between Concessional…

I would agree with @Plasticman response. It does depend on the client situation but it is a fine balance. Admittedly, I'm not as familiar…

Copying from a previous answer which hopefully assists - Splice89 on 19/02/2025 - 15:18 ETFs play an important role in a portfolio, and I…

This is not a simple one to answer. If you are very close to retirement, have no non deductible debt, have assessable income above the tax…

I don’t provide insurance advice, so I can’t comment specifically. Insurance is essentially a safeguard, you pay for it without knowing…

For a Wealth Advisor, $25k is generally a bit low given the fixed fee nature of most businesses. Consider places like Stock Spot but…

ETFs play an important role in a portfolio, and I might be biased, but I believe it shouldn't be all or nothing, especially within super…

Thanks for your question. For our business owner clients who have sold their companies, much of the cash flow and succession planning is…

Thanks for your question. I direct some of my client's children to places like StockSpot as I believe they do quite a good job for the mass…

I'm sorry - what questions have I been evading. I'm trying to get to as many as possible whilst working fulltime. I also do not wish to…

Thanks for your question. Basically in short, if your investment timeframe is that short (i.e 2 years) and the goal is to purchase a…

well then it comes down to timeline... do you wish to purchase a home (i know, seems impossible these days) but that may impact the risk…

Interesting - well let's use Buffet's quote instead - "Time is your friend; impulse is your enemy. Take advantage of compound interest and…

no

I've answered this in initial questions so hopefully you can find the answer there. In short, I see value in having a small allocation but…

I'm no longer a practising accountant so can't give advice here. Owning a business helps alot as there are not alot of deductions available…

No - I believe it serves a purpose for time-poor individuals and their lending practices are less black and white than what you would…

I have a SMSF.

It really depends on the type of investment. Capital growth investments typically benefit most from the CGT discount (whether held in a…

Nice! You give me hope!

Apologies for the response, but I’m hesitant to provide stock advice in this forum. The markets are constantly changing, and with updates…

Under another AFSL at present but hopefully have my own in the future.

Investing in a portfolio while carrying non-deductible debt is a common mistake, especially among friends or prospective clients. When…

No but did consider it. I have a Master of Applied Finance. I chose this as I felt CFA was more relevant for an analyst / fund manager and…

Read my above comments on Investment Bonds. Also consider Family Trusts if you have a broader portfolio. This is very specific advice based…

I agree with @SBOBs comment. The time to access is so far away and therefore increasing your risk allocation would generally make sense as…

Thanks for your question. I unfortunately do not provide Insurance Advice so cannot comment specifically. Clients I refer to Insurance…