Financial Planning articles
Claiming Property Depreciation On Existing Property
Tax deductions can be claimed even on existing property bought from another owner. But what is property depreciation and why is it worthwhile to include when filing for annual taxes?
What is Property Depreciation?
Property depreciation is a kind of tax break that enables investors to offset the decline in value of...
How A Depreciation Schedule Helps Investment Property Owners
Among the available tax deductions for property investors, property depreciation is one of the most underappreciated. Not many know the huge savings they can get from annually filing their depreciation schedules with the help of a Quantity Surveyor.
What is Property Depreciation Deduction?
Property depreciation is a tax deduction designed to offset...
How Much Can You Put Tax-Free in Your Pension
To know how much you can put into your retirement fund free of taxes, you must understand that your contributions go through two phases: the accumulation and the retirement phases.
The accumulation phase is simply defined as the period when you’re putting money into your super for retirement. During this phase,...
The Difference Between an RSU and a Stock Option
Employers often offer two types of incentives to make their employees stay with the company for a longer period: stock options and RSUs.
What is a Stock Option?
A stock option (aka employee share option) represents an employee’s right to purchase in the future a pre-determined number of common shares at an...
Buying a Property Through Super Loans
SMSFs used to be barred from being tapped for purchasing properties. But recent laws have acknowledged that super funds can be useful in achieving the target asset growth required to have a peaceful retirement.
Requirements and Criteria for Lending
Self-managed superannuation funds (SMSF) can be used to purchase properties at better rates....
Buying Cryptocurrency Through a SMSF
Can you buy cryptocurrency through an SMSF? The simple answer is yes, but the question of whether it’s an advisable move is another matter.
Starting in Cryptocurrencies Through SMSF
The explosive gains that cryptocurrency traders have booked made some Australians curious about the possibility of investing a portion of their super account...
Should You Invest in an Airbnb Property?
Airbnb’s online platform has made it easier for people to get into the property rental business. Currently, there are millions of properties listed in more than 190 countries worldwide. In Australia, there are around 350,000 unique properties hosted on the platform, and this is equivalent to around 4% of the...
Investing in ETFs in Australia
They say that to reduce investment risks, portfolio diversification is a must. But researching each stock, bond, or similar assets to invest in can be time-consuming and overwhelming.
If you’re looking for a way to quickly diversify your portfolio, try investing in an exchange-traded fund or ETF.
What is an ETF?
An ETF...Difference Between a Contributory and Pooled Mortgage Fund
Just like how property assets can take several forms including retail, commercial, or industrial, there are also different ways to invest in them. Putting your money in mortgage funds is one way to profit from loan interests similar to how banks do.
There are basically two types of mortgage funds that...
Contributory Mortgage Funds Explained
The Global Financial Crisis (GFC) that happened between 2007 to 2009 exposed the weakness of pooled mortgage schemes. Liquidity became a big issue when several borrowers defaulted on their mortgage payments. Even the largest pooled funds schemes like MFS Limited, City Pacific Mortgage Fund, and LM First Mortgage Income Fund...