Smart Money Strategy

INDEX

• account-based pensions, using 263–265
• accountant, using 7–8
• adult children, in retirement 253
• aged care strategy 277–278
• appropriate retirement fees strategy 279–286
• appropriate super fees strategy 225–230
• appropriate tax in retirement strategy 286–290
• appropriate tax strategy 182–185
• appropriate tax in super strategy 230–236
• asset allocation strategy 156–160
• asset selection strategy 160–168
• assets
  • — at start 70–71
  • — questions around 78
  • — types 156
• attorney, powers of 329–332
• Australian shares
  • — as assets 162–167
  • — as investments 170–171

 

• basic stack, budgeting as 41–48
• binding nomination 332–335
• bonds
  • — as assets 162
  • — as investments 170
• bring-forward rule for super 205
• budget management strategy 122–128
• budgeting, as basic stack 42–48

 

• calendar for strategy stacking 81–84
• capital protection for key person insurance 314–315
• cash flow management strategy 128–133
• cash rate of interest 25–26
• Centrelink
  • — benefits scenario 214–215
  • — and re-contribution strategy 223
• change
  • — equipping for 9–11
  • — need for you to 8–9
• comfortable retirement strategy stack 104–111
• company ownership investment structure 153
• concessional contribution option 259–260
• consolidation strategy 198–203
• contribution catch-up strategy 209–212
• contribution strategies 203–209
• corporate funds 194
• critical illness insurance 300

 

• death benefits, tax on super 234
• debt, getting into 28–29
• debt comparison
  • — comfortable retirement 107
  • — mortgage reduction 97
  • — saving for house 90