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From 1 July 2026, Division 296 introduces a significant change to the way superannuation earnings are taxed for individuals with larger superannuation balances. If your Total Super Balance (TSB) is above, or even approaching, $3 million, now is the time to understand how the new rules may affect you and begin planning accordingly. What's changing? Division 296 introduces an additional tax on earnings attributable to higher superannuation balances. Total Super Balance between

Managing your own superannuation gives you significant control, but it also comes with strict legal responsibilities. Maintaining SMSF compliance is your primary duty as a trustee to keep your retirement savings safe. When trustees have not complied with super laws, the Australian Taxation Office (ATO) has several courses of action to address non-compliance. Whether you are running a fund in Bendigo, managing an investment property from Castlemaine, or operating a farm-based

When deciding how to build your retirement wealth, understanding the pros and cons of SMSF structures is essential. Managing your own superannuation offers unparalleled investment flexibility, but it also introduces significant regulatory obligations and personal financial risks. To help you determine if a self-managed super fund aligns with your financial goals, this guide breaks down the essential pros and cons of SMSF ownership, from the reality of setup costs to the legal

Running your own Self Managed Superannuation Fund (SMSF) can be time-consuming, but keeping on top of your obligations is essential to protect your retirement savings. While many people enjoy the control an SMSF offers, the Australian Taxation Office (ATO) maintains strict oversight. Even with the introduction of potential three-yearly audit cycles for well-managed funds, it’s vital to stay vigilant. The ATO closely monitors the sector, and most compliance breaches are easy t

Planning for the future means finding the right super strategy by age. Because superannuation rules change down the track, it's incredibly helpful to keep your knowledge fresh so you don't miss out on building your wealth. Here are some essential superannuation tips to help you maximise your savings at every stage of life. As always, seeking personalised advice is recommended, and the advice in this article is general in nature. If you’d like professional, personalised advic