[ { "post_id": "160", "post_category_id": "9", "post_title": "Federal Budget 2026-27", "post_content_short": "Tonight's Budget didn't just change tax rates. <\/strong>It changed the architecture of wealth accumulation in Australia.<\/strong>\n\n

\n\tThree reforms. One structural shift.Negative gearing quarantined. The 50% CGT discount replaced. A 30% minimum tax on discretionary trusts.\n\n

\n\tFull analysis below — including what changed, what didn't, the key dates you need to know, and what the full Budget Paper reveals that\n\tthe headlines missed.<\/em>\n", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/160\/2026-Budget.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/tax-and-structuring\/federal-budget-2026-27\/", "post_date": "2026-05-13 05:32:00" }, { "post_id": "154", "post_category_id": "15", "post_title": "Using Super to Invest in Property – How SMSF Borrowing Works", "post_content_short": "If you’re considering using your self-managed super fund (SMSF) to buy property<\/strong>, you’ll need the right structure in place.\n\tOne of the main ways to do this is through a Limited Recourse Borrowing Arrangement (LRBA)<\/strong>.\n", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/154\/20250923.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/superannuation-and-smsf\/using-super-to-invest-in-property-how-smsf-borrowing-works\/", "post_date": "2025-09-23 14:00:00" }, { "post_id": "153", "post_category_id": "12", "post_title": "SMSFs Hit $1 Trillion – What the Latest ATO Statistics Mean for You", "post_content_short": "Australia’s passion for self-managed super funds (SMSFs)<\/strong> is stronger than ever. According to the ATO’s June 2025\n\tquarterly statistical report<\/strong>,\n\tSMSFs have officially surpassed the $1 trillion mark in assets<\/strong>, cementing their place as a key driver of retirement wealth.\n", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/153\/20250905.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/superannuation-and-smsf\/smsfs-hit-1-trillion-what-the-latest-ato-statistics-mean-for-you\/", "post_date": "2025-09-07 23:30:00" }, { "post_id": "147", "post_category_id": "12", "post_title": "Protecting Your Super from Scams", "post_content_short": "With over $4 trillion in superannuation savings<\/strong>, it’s no surprise that scammers see super as an easy target. The Australian\n\tSecurities and Investments Commission (ASIC) has issued warnings about the growing number of high-pressure sales tactics and\n\tmisleading promises<\/strong>\n\tdesigned to trick Australians into risky superannuation switches. Since your super is likely to be one of your largest lifetime investments,\n\tknowing how to protect it is essential.\n", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/147\/20251002.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/superannuation-and-smsf\/protecting-your-super-from-scams\/", "post_date": "2025-08-31 23:30:00" }, { "post_id": "145", "post_category_id": "12", "post_title": "What to Do If You Exceed Your Super Contribution Caps in Australia", "post_content_short": "Superannuation<\/strong> is one of the most tax-effective ways to save for retirement. But the government sets strict annual limits,\n\tcalled contribution caps<\/strong>, on how much you can add to your super. If you go over these caps, you may face extra tax.\n\n

Here’s what happens, your options, and how to avoid breaching the limits.", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/145\/20250831.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/superannuation-and-smsf\/what-to-do-if-you-exceed-your-super-contribution-caps-in-australia\/", "post_date": "2025-08-31 04:45:00" }, { "post_id": "140", "post_category_id": "12", "post_title": "Claiming a Deduction on Super Contributions: A Guide for Ages 67–75", "post_content_short": "If you’re aged between 67 and 75<\/strong> and want to claim a tax deduction for personal super contributions<\/strong>,\n\tspecial rules apply. You’ll need to meet the work test<\/strong> (or in some cases, the one-off work test exemption). Understanding\n\tthese requirements is essential to maximise your retirement savings and stay compliant with ATO rules.\n", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/140\/20250812.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/superannuation-and-smsf\/claiming-a-deduction-on-super-contributions-a-guide-for-ages-67-75\/", "post_date": "2025-08-11 23:00:00" }, { "post_id": "139", "post_category_id": "14", "post_title": "When Should You Cancel Insurance Inside Your Super?", "post_content_short": "Many Australians hold life insurance and disability cover inside their superannuation fund<\/strong>. It’s a simple and\n\tcost-effective way to get protection, but as retirement approaches, many people start to question whether it’s worth keeping.\n\n

\n\tThere’s no universal answer. Whether you should keep or cancel insurance in super depends on your stage of life, financial situation, and\n\tfamily needs. Here are the key things to consider before making changes.\n", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/139\/20250808.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/superannuation-and-smsf\/when-should-you-cancel-insurance-inside-your-super\/", "post_date": "2025-08-07 14:00:00" }, { "post_id": "136", "post_category_id": "12", "post_title": "Thinking About an SMSF? Here’s What You Should Know First", "post_content_short": "Thinking about an SMSF? Here's what most people get wrong. Control, flexibility, direct property... SMSFs sound like the ideal setup — but\n\tthey’re not for everyone.\n\n

If you’ve been wondering whether an SMSF is right for you, we’ve broken down the key things to consider. ", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/136\/SMSF.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/superannuation-and-smsf\/thinking-about-an-smsf-heres-what-you-should-know-first\/", "post_date": "2025-07-22 14:00:00" }, { "post_id": "133", "post_category_id": "12", "post_title": "Super Guarantee Rate Rises to 12% from 1 July 2025", "post_content_short": "From 1 July 2025<\/strong>, the superannuation guarantee (SG) rate<\/strong> will increase to 12%<\/strong>, meaning\n\tmore employer contributions to your super fund. This change will boost your retirement savings over time but timing matters when it comes to\n\thow much super you receive.\n", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/133\/20250729.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/superannuation-and-smsf\/super-guarantee-rate-rises-to-12-percent-from-1-july-2025\/", "post_date": "2025-07-17 14:00:00" }, { "post_id": "128", "post_category_id": "12", "post_title": "Superannuation Updates for Healthcare Professionals – What’s Changing from 1 July 2025", "post_content_short": "If you're a healthcare professional focused on building a strong retirement strategy, it's important to stay up to date with the latest\n\tchanges to superannuation. From 1 July 2025, some key thresholds remain unchanged—while one important cap is increasing, offering new\n\topportunities for tax-effective retirement planning.\n", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/128\/20250715.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/superannuation-and-smsf\/superannuation-updates-for-healthcare-professionals-whats-changing-from-1-july-2025\/", "post_date": "2025-07-10 14:00:00" }, { "post_id": "121", "post_category_id": "12", "post_title": "2025 Key Changes and Tax Planning for SMSF", "post_content_short": "As the 2025 financial year unfolds, understanding the nuances of superannuation and Self-Managed Super Funds (SMSFs) is paramount for\nAustralian businesses and high-income professionals. Proactive planning can help you maximise your retirement savings, ensure compliance,\nand avoid potential pitfalls.", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/121\/2025-SMSF.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/superannuation-and-smsf\/2025-key-changes-and-tax-planning-for-smsf\/", "post_date": "2025-05-22 23:39:00" }, { "post_id": "119", "post_category_id": "12", "post_title": "📉 Market Volatility: Super’s Silver Lining", "post_content_short": "Has your super balance taken a hit due to recent market fluctuations? While this might seem like a setback, it could actually open the door\n\tto opportunities that weren’t previously available. In fact, now might be the perfect time to reassess your retirement strategy and make the\n\tmost of your super.\n", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/119\/20250520.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/superannuation-and-smsf\/market-volatility-supers-silver-lining\/", "post_date": "2025-05-20 01:39:35" }, { "post_id": "118", "post_category_id": "12", "post_title": "Understanding Binding Death Benefit Nominations (BDBN)", "post_content_short": "Many people assume their superannuation will automatically go to their loved ones when they pass away. Unfortunately, that’s not always the\n\tcase. Unlike other assets covered by a will, your superannuation is handled separately. To ensure it goes to the right people, you need a Binding\n\tDeath Benefit Nomination (BDBN)<\/strong>.\n", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/118\/20250515.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/superannuation-and-smsf\/understanding-binding-death-benefit-nominations-bdbn\/", "post_date": "2025-05-14 23:59:54" }, { "post_id": "116", "post_category_id": "12", "post_title": "Concessional Super Contributions vs. Mortgage Paydown: Which Is the Smarter Move?", "post_content_short": "If you have extra cash, you might be wondering whether to make additional concessional contributions to your super fund or use the money to\n\tpay down your mortgage, whether it’s on your home or a holiday property. Both options have benefits, but the right choice depends on your\n\tfinancial situation and goals. Let’s explore both strategies.\n", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/116\/20250508.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/concessional-super-contributions-vs-mortgage-paydown-which-is-the-smarter-move\/", "post_date": "2025-05-07 23:49:41" }, { "post_id": "111", "post_category_id": "12", "post_title": "Salary Sacrifice vs. Personal Deductible Contributions (PDCs)", "post_content_short": "Superannuation is a tax-effective way to save for retirement, offering investment growth and tax benefits", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/111\/20250305.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/superannuation-and-smsf\/salary-sacrifice-vs-personal-deductible-contributions-pdcs\/", "post_date": "2025-03-05 01:41:41" }, { "post_id": "108", "post_category_id": "12", "post_title": "Downsizer Super Contributions: Dispelling Three Myths", "post_content_short": "Since its introduction in 2018, billions of dollars have been contributed through the downsizer superannuation scheme. This option is widely\n\tused, yet three common misconceptions prevent even more people from taking advantage of it.\n", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/108\/20250213.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/superannuation-and-smsf\/downsizer-super-contributions-dispelling-three-myths\/", "post_date": "2025-02-13 04:50:06" }, { "post_id": "107", "post_category_id": "12", "post_title": "Seven Key Superannuation Changes in 2025", "post_content_short": "Superannuation regulations are constantly evolving, and 2025 will introduce several updates that may influence your retirement savings.\n\tWhether you are beginning to build your super or preparing for retirement, staying informed about these changes can help you make\n\twell-informed financial decisions. Here’s what to expect:\n", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/107\/20250212.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/superannuation-and-smsf\/seven-key-superannuation-changes-in-2025\/", "post_date": "2025-02-12 09:26:21" }, { "post_id": "105", "post_category_id": "12", "post_title": "Superannuation and Financial Hardship", "post_content_short": "Superannuation and Financial Hardship: A Safety Net in Difficult Times<\/strong>\n

\n\tSuperannuation is generally regarded as a long-term savings plan for retirement. However, in times of financial hardship, it can also serve\n\tas a vital source of support. While super is primarily designed to fund retirement, there are specific circumstances where early access is\n\tpermitted to help individuals facing financial difficulties. This article outlines these provisions and how superannuation may provide\n\trelief in challenging situations.\n", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/105\/20250210.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/superannuation-and-smsf\/superannuation-and-financial-hardship\/", "post_date": "2025-02-10 00:51:48" }, { "post_id": "101", "post_category_id": "12", "post_title": "Centrelink and Gifting", "post_content_short": "Will Centrelink Recognise Your Generosity?<\/strong>\n

\n\tDid you know that approximately 60% of Australians aged 67 and over receive the Age Pension? However, not everyone qualifies for the full\n\tamount. This is because Centrelink assesses your wealth based on your income and assets, and if either exceeds certain limits, your pension\n\tis reduced.\n", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/101\/241205.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/superannuation-and-smsf\/centrelink-and-gifting\/", "post_date": "2024-12-05 01:16:11" }, { "post_id": "99", "post_category_id": "12", "post_title": "Superannuation Added to Paid Parental Leave from 2025", "post_content_short": "Starting 1 July 2025, new parents will receive superannuation contributions alongside their government-funded Paid Parental Leave (PPL).\n", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/99\/241127.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/superannuation-and-smsf\/superannuation-added-to-paid-parental-leave-from-2025\/", "post_date": "2024-11-27 00:14:17" }, { "post_id": "97", "post_category_id": "12", "post_title": "SMSFs vs Super Wraps", "post_content_short": "Self-managed superannuation funds (SMSFs) and super wrap accounts are popular alternatives to retail and industry super funds for\n\tindividuals seeking greater control over their investments and potentially lower fees.\n", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/97\/241118.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/superannuation-and-smsf\/smsfs-vs-super-wraps\/", "post_date": "2024-11-18 04:02:10" }, { "post_id": "96", "post_category_id": "12", "post_title": "Superannuation Guarantee Liability", "post_content_short": "The recent spate of cases before Australian courts and tribunals has highlighted questions around the Superannuation Guarantee Charge (SGC)\npayments: specifically, when a payer might be responsible for SGC contributions for services rendered.", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/96\/241114.png", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/superannuation-and-smsf\/superannuation-guarantee-liability\/", "post_date": "2024-11-14 00:36:49" }, { "post_id": "90", "post_category_id": "12", "post_title": "Guidelines for Selling or Transferring SMSF Assets to Related Parties", "post_content_short": "Many SMSF trustees wonder if they can sell or transfer assets from their fund to a related party, such as themselves or a family member.\n\tWhile regulations restrict certain asset purchases from related parties, there is no rule preventing an SMSF from selling or transferring\n\tits assets, like property or shares, to a fund member or a related party under certain conditions.\n", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/90\/241026-Retirement-beach.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/superannuation-and-smsf\/guidelines-for-selling-or-transferring-smsf-assets-to-related-parties\/", "post_date": "2024-10-26 01:38:00" }, { "post_id": "87", "post_category_id": "12", "post_title": "Superannuation Contributions", "post_content_short": "Superannuation laws have become more flexible in recent years, making it easier for older Australians to add to their superannuation later\n\tin life. Here’s a summary of the key points about making super contributions.\n", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/87\/241017.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/superannuation-and-smsf\/superannuation-contributions\/", "post_date": "2024-10-17 01:06:36" }, { "post_id": "86", "post_category_id": "12", "post_title": "SMSFs vs Other Super Funds", "post_content_short": "All superannuation funds aim to provide retirement benefits, but there are key differences between Self-Managed Super Funds (SMSFs) and\nother super funds. It's important to compare it with other options before deciding.", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/86\/241012-SMSF-vs-Other-funds.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/superannuation-and-smsf\/smsfs-vs-other-super-funds\/", "post_date": "2024-10-11 22:46:00" } ]