160 9 Tonight's Budget didn't just change tax rates. It changed the architecture of wealth accumulation in Australia.

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

Full analysis below — including what changed, what didn't, the key dates you need to know, and what the full Budget Paper reveals that the headlines missed. ]]> https://www.verityadvisory.com.au/media/website_posts/160/2026-Budget.jpg page https://www.verityadvisory.com.au/insights/tax-and-structuring/federal-budget-2026-27/ 2026-05-13 05:32:00 154 15 using your self-managed super fund (SMSF) to buy property, you’ll need the right structure in place. One of the main ways to do this is through a Limited Recourse Borrowing Arrangement (LRBA). ]]> https://www.verityadvisory.com.au/media/website_posts/154/20250923.jpg page https://www.verityadvisory.com.au/insights/superannuation-and-smsf/using-super-to-invest-in-property-how-smsf-borrowing-works/ 2025-09-23 14:00:00 153 12 self-managed super funds (SMSFs) is stronger than ever. According to the ATO’s June 2025 quarterly statistical report, SMSFs have officially surpassed the $1 trillion mark in assets, cementing their place as a key driver of retirement wealth. ]]> https://www.verityadvisory.com.au/media/website_posts/153/20250905.jpg page https://www.verityadvisory.com.au/insights/superannuation-and-smsf/smsfs-hit-1-trillion-what-the-latest-ato-statistics-mean-for-you/ 2025-09-07 23:30:00 147 12 $4 trillion in superannuation savings, it’s no surprise that scammers see super as an easy target. The Australian Securities and Investments Commission (ASIC) has issued warnings about the growing number of high-pressure sales tactics and misleading promises designed to trick Australians into risky superannuation switches. Since your super is likely to be one of your largest lifetime investments, knowing how to protect it is essential. ]]> https://www.verityadvisory.com.au/media/website_posts/147/20251002.jpg page https://www.verityadvisory.com.au/insights/superannuation-and-smsf/protecting-your-super-from-scams/ 2025-08-31 23:30:00 145 12 Superannuation is one of the most tax-effective ways to save for retirement. But the government sets strict annual limits, called contribution caps, on how much you can add to your super. If you go over these caps, you may face extra tax.

Here’s what happens, your options, and how to avoid breaching the limits.]]> https://www.verityadvisory.com.au/media/website_posts/145/20250831.jpg page https://www.verityadvisory.com.au/insights/superannuation-and-smsf/what-to-do-if-you-exceed-your-super-contribution-caps-in-australia/ 2025-08-31 04:45:00 140 12 67 and 75 and want to claim a tax deduction for personal super contributions, special rules apply. You’ll need to meet the work test (or in some cases, the one-off work test exemption). Understanding these requirements is essential to maximise your retirement savings and stay compliant with ATO rules. ]]> https://www.verityadvisory.com.au/media/website_posts/140/20250812.jpg page https://www.verityadvisory.com.au/insights/superannuation-and-smsf/claiming-a-deduction-on-super-contributions-a-guide-for-ages-67-75/ 2025-08-11 23:00:00 139 14 life insurance and disability cover inside their superannuation fund. It’s a simple and cost-effective way to get protection, but as retirement approaches, many people start to question whether it’s worth keeping.

There’s no universal answer. Whether you should keep or cancel insurance in super depends on your stage of life, financial situation, and family needs. Here are the key things to consider before making changes. ]]> https://www.verityadvisory.com.au/media/website_posts/139/20250808.jpg page https://www.verityadvisory.com.au/insights/superannuation-and-smsf/when-should-you-cancel-insurance-inside-your-super/ 2025-08-07 14:00:00 136 12
If you’ve been wondering whether an SMSF is right for you, we’ve broken down the key things to consider. ]]> https://www.verityadvisory.com.au/media/website_posts/136/SMSF.jpg page https://www.verityadvisory.com.au/insights/superannuation-and-smsf/thinking-about-an-smsf-heres-what-you-should-know-first/ 2025-07-22 14:00:00 133 12 1 July 2025, the superannuation guarantee (SG) rate will increase to 12%, meaning more employer contributions to your super fund. This change will boost your retirement savings over time but timing matters when it comes to how much super you receive. ]]> https://www.verityadvisory.com.au/media/website_posts/133/20250729.jpg page https://www.verityadvisory.com.au/insights/superannuation-and-smsf/super-guarantee-rate-rises-to-12-percent-from-1-july-2025/ 2025-07-17 14:00:00 128 12 https://www.verityadvisory.com.au/media/website_posts/128/20250715.jpg page https://www.verityadvisory.com.au/insights/superannuation-and-smsf/superannuation-updates-for-healthcare-professionals-whats-changing-from-1-july-2025/ 2025-07-10 14:00:00 121 12 https://www.verityadvisory.com.au/media/website_posts/121/2025-SMSF.jpg page https://www.verityadvisory.com.au/insights/superannuation-and-smsf/2025-key-changes-and-tax-planning-for-smsf/ 2025-05-22 23:39:00 119 12 https://www.verityadvisory.com.au/media/website_posts/119/20250520.jpg page https://www.verityadvisory.com.au/insights/superannuation-and-smsf/market-volatility-supers-silver-lining/ 2025-05-20 01:39:35 118 12 Binding Death Benefit Nomination (BDBN). ]]> https://www.verityadvisory.com.au/media/website_posts/118/20250515.jpg page https://www.verityadvisory.com.au/insights/superannuation-and-smsf/understanding-binding-death-benefit-nominations-bdbn/ 2025-05-14 23:59:54 116 12 https://www.verityadvisory.com.au/media/website_posts/116/20250508.jpg page https://www.verityadvisory.com.au/insights/concessional-super-contributions-vs-mortgage-paydown-which-is-the-smarter-move/ 2025-05-07 23:49:41 111 12 https://www.verityadvisory.com.au/media/website_posts/111/20250305.jpg page https://www.verityadvisory.com.au/insights/superannuation-and-smsf/salary-sacrifice-vs-personal-deductible-contributions-pdcs/ 2025-03-05 01:41:41 108 12 https://www.verityadvisory.com.au/media/website_posts/108/20250213.jpg page https://www.verityadvisory.com.au/insights/superannuation-and-smsf/downsizer-super-contributions-dispelling-three-myths/ 2025-02-13 04:50:06 107 12 https://www.verityadvisory.com.au/media/website_posts/107/20250212.jpg page https://www.verityadvisory.com.au/insights/superannuation-and-smsf/seven-key-superannuation-changes-in-2025/ 2025-02-12 09:26:21 105 12 Superannuation and Financial Hardship: A Safety Net in Difficult Times

Superannuation is generally regarded as a long-term savings plan for retirement. However, in times of financial hardship, it can also serve as a vital source of support. While super is primarily designed to fund retirement, there are specific circumstances where early access is permitted to help individuals facing financial difficulties. This article outlines these provisions and how superannuation may provide relief in challenging situations. ]]> https://www.verityadvisory.com.au/media/website_posts/105/20250210.jpg page https://www.verityadvisory.com.au/insights/superannuation-and-smsf/superannuation-and-financial-hardship/ 2025-02-10 00:51:48 101 12 Will Centrelink Recognise Your Generosity?

Did you know that approximately 60% of Australians aged 67 and over receive the Age Pension? However, not everyone qualifies for the full amount. This is because Centrelink assesses your wealth based on your income and assets, and if either exceeds certain limits, your pension is reduced. ]]> https://www.verityadvisory.com.au/media/website_posts/101/241205.jpg page https://www.verityadvisory.com.au/insights/superannuation-and-smsf/centrelink-and-gifting/ 2024-12-05 01:16:11 99 12 https://www.verityadvisory.com.au/media/website_posts/99/241127.jpg page https://www.verityadvisory.com.au/insights/superannuation-and-smsf/superannuation-added-to-paid-parental-leave-from-2025/ 2024-11-27 00:14:17 97 12 https://www.verityadvisory.com.au/media/website_posts/97/241118.jpg page https://www.verityadvisory.com.au/insights/superannuation-and-smsf/smsfs-vs-super-wraps/ 2024-11-18 04:02:10 96 12 https://www.verityadvisory.com.au/media/website_posts/96/241114.png page https://www.verityadvisory.com.au/insights/superannuation-and-smsf/superannuation-guarantee-liability/ 2024-11-14 00:36:49 90 12 https://www.verityadvisory.com.au/media/website_posts/90/241026-Retirement-beach.jpg page https://www.verityadvisory.com.au/insights/superannuation-and-smsf/guidelines-for-selling-or-transferring-smsf-assets-to-related-parties/ 2024-10-26 01:38:00 87 12 https://www.verityadvisory.com.au/media/website_posts/87/241017.jpg page https://www.verityadvisory.com.au/insights/superannuation-and-smsf/superannuation-contributions/ 2024-10-17 01:06:36 86 12 https://www.verityadvisory.com.au/media/website_posts/86/241012-SMSF-vs-Other-funds.jpg page https://www.verityadvisory.com.au/insights/superannuation-and-smsf/smsfs-vs-other-super-funds/ 2024-10-11 22:46:00