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Completely failed to detail the tax implications for non dependents who are beneficiaries - huge issue for adult children of last surviving parent.

Vrau.bani.mej.ches.990.billion.lire.data.12.jul.2024

I lost over $70k when everything started to tank. Not because I was in an exchange that went belly up. I was just stupid to hold and because that's what everyone said. I'm still responsible. It just taught me to be a better investor now that I understand more of what could go wrong. It took me over two years of being in the market, I'm really grateful I found one source to recover my money, at least $10k profits weekly. Thanks Natalie Strayer..

very interesting good to learn about age gaps in partnerships because it effects a lot of us cheers

If I am not misunderstanding you are talking about $110k contribution is concessional contribution (after tax), there is not any tax advantage compared to before tax (non-concessional contribution). I am 60 now, If I just sold my investment property and made $400k capital gain and I want to put $330k into my super I still need to pay this $400k (50% of it) at normal CGT, only after applied that tax rate lift over I can put into my super, this $330k cap is not going to help me reduce my CGT, so what is the point? I need a strategy to help me pay less CGT

If my husband has an income stream account already does it make sense to draw more from that rather than accessing mine as a transition to retirement as I'm not of pension age and it would then impact his pension amount

Obviously superannuation is a scam because how come there’s no growth.? Most superannuation funds primarily invest in shares. Ordinary Australians can do the same thing by setting up a brokerage account and buying shares with their spare money. At retirement age, investors are typically focused on generating passive income. So, they tend to invest in ASX dividend shares, preferably with full franking. As we've reported, if you invested $5,000 per year in ASX shares from age 20 to 67, you could have a retirement income portfolio of $1.5 million delivering a passive income stream of $100,000.

The most cringe and lame commercial I have seen 🤮

Super should be buying home and renting them back to members. Capital growth, rental income. Benefits members and the fund !!

I am over 67 years old. I recently sold my investment property. I want to set up an income stream with my super. How do I claim my tax deduction

1% fees in super…..0.1% in an ETF….the super system does a terrible job of smoothing out your lifetime income…it takes money away from those who need it young and subsidises those that don’t later on. Government super subsidies are equal to what they pay in pension. We could double the pension for all as a universal base income. If super can compound, so can the governments ability to tax later.

When we illegally go into the central banking digital currency because the people never voted for it , I would believe that our super is included in this corrupt agenda

Where have I seen Sue before?

How does it work if you are in you late 60's (overseas) self employed and want to dump a large amount of money (sale of your business) into your super in order to start withdraw in your 70's?

I dislike the woke introduction. Its just not necessary.

If I was greedy and keep my pension in high growth and took my 5% once a year trying to pick market highs. Where will that. 5% come from? Can I choose to receive it from cash part and rebalance when there is a market high in the second half of the year when the balance has had a chance to grow. While keeping 3 years of emergency funds safe in the bank because super is full at TBC. Thank you for your advice.

Very interesting and informative ☑️

The welcome to country was very respectful. Thank you.

what’s the name of the actors ‘sue’

HAHAHHAHAHAHAHHAHAHAHHAA

After a few mergers over the years which resulted in my wife's super being passed around several providers, she is now with Australian Retirement Trust, and after watching this video I am glad she is with them, and hope there are no more mergers which will force her to another provider.

Why am I paying 1% on fees when I could buy ETFs and pay .1%? A lot of fat in these super funds. Since the merge, my fees haven’t changed and my insurance has not either. Cut the costs further, pick up the phone and call the insurance company and “get a better deal”

Why am I paying 1% on fees when I could buy ETFs and pay .1%? A lot of fat in these super funds.

Ok probably don’t need the notebook and laptop. I love to listen to the show.

Low performance and low returns due to High admins costs and fees. ART CEO looks too roly-poly on the panel.

If you have $1,900,000 in your super pension phase and invested in high growth 33% Australian share 33% and international shares 34%. With $300,000 in the bank (cash ) for emergency money making 5% tax free. How much are the fees charged from your super? Compared to a S&P ASX200 ETF in SMSF? Thank you for your number?

Enjoyed the series & thank you for your breakdown May I ask when you hit preservation age 60 plus can you go abroad let say for 4 to 6 months a year for travel & come back. What impact will be felt & will my superfund be hindered because of it?

Hello Art Team, The video really got me thinking about the insurance aspect of my super, something I hadn't explored fully. Maybe a video on that could be helpful for other members, what its for, how to access it and what it covers and can we cancel the insurance or is baked into super offering. I've been happy with my ART Super since 2018 when I started looking into it seriously. Despite losing $8.5K during COVID, I stayed committed, and by 2022, my investment in the Balanced Pool paid off big time, with my balance now comfortably exceeding $200K. To those reading consider your super strategy-even a small salary sacrifice like mine ($50 to start) can make a difference. In 2020, I increased it to $125 after realizing I was spending $80-90 monthly on coffee. Redirecting portion of that money into super was a smart move, I still enjoy coffee but not 3x capuccinos (large) a day and in 2024 I increase my salary sacrafice to $150pm and choosing the investment option for me (Balance Pool) being relatively young I can tolerate the risk especially with retirement alittle way off another 25-30years. In the long run the compounding interest should increase my balance over time. I probably wont have enough in retirement but at least I will have something, I always think of super as savings account that I cant touch till I retire haha. Using the app has been convenient, with biometric login and easy balance checks. I particularly like seeing my investment earnings on a yearly basis and the graph is cool feature a great visual to see how your super balance has increase over the years.

Excellent contents, thank you, especially the examples on how to apply the different super rules to optimise our balance

This sounds so convaluted and not explained very well or simply how super can be used. Sometimes I think these are meant to be convaluted so you don't acctually access the money for the said scheme. Like why don't you just say " Personal contributions / Salary Sacrafice is the money portion of super you can access and go from that point. After all it is what the video is about. But the reality for many australian's SS / Per Contributions isn't gonna really help much towards a deposit, given most properties in Australia are 900K$ and up or single income. Anyway I just think these kinds of topics should be more thought out and clearly structured and simple.

Re: Recontribution strategy - Where on the ART website can I find out what % of my account is Taxable and Non-Taxable?

lol 15k a year for a 50k to pull out. what the hell are you going to do with 50k

🎊 promo sm

Thank you very useful - re the introduction of Balanced Risk-Adjusted - essentially it is shifting 7.5% allocation from equities to fixed income - but not changing the return objective. Your speaker pointed to “innovation in how fixed income is put together in this portfolio”. While this sounds great - i will need more insight before being convinced. Especially given that the equivilant portfolio in qsuper that this is being modelled on has not achieved this. I also ask if this innovative fixed income approach is also being applied in other portfolios or just this one - and will it cost more fees to deliver this innovation. I would appreciate if you could address these questions in updates etc - thanks

Very interesting thank you!

We have a housing crisis in this county. Property does go up in this country, if the government won’t spend the money, a super fund should be able to invest in housing. This could bring on 100,000 dwellings per annum and over the next decade make housing affordable for more people.

Excellent contents and lots of great tips thank uou

Another great show, alot of it is very similar to your great show a few months back but I appreciate the efforts in keeping the information fresh with the ongoing changes in the industry.