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Contractor or employee?

Just because an agreement states that a worker is an independent contractor, this does not mean that they are a contractor for tax and superannuation purposes, new guidance from the ATO warns.

Investing mistakes to avoid

Investing successfully and improving your investment portfolio can be as much about minimising mistakes as trying to pick the ‘next big thing’. It’s all about taking a calm and considered approach and not blindly following trends or hot tips.

Giving back through structured giving

Australia is a giving country, and as opportunities for increasing our financial giving abound over the next 20 years, structured giving provides a vehicle to do so.

Being informed is the key to avoiding scams

While we all like to think we are clever enough to outwit a scam, it’s important to recognise that even the savviest of us can fall victim.

Changes to Associations Incorporation Reform Regulations

The Associations Incorporation Reform Regulations 2023 came into effect in November 2023 and brought with it some changes to some reporting requirements.

Should I buy insurance through my super?

While we all hope for good health, the reality is that some of us may struggle at times with sickness or injury - this is where insurance may help.

Residential Property Owners Beware

The Vacant Residential Land Tax (VRLT) has been extended to cover residential property in the whole of Victoria, capturing more properties within the scheme.

30% tax on super earnings above $3m

Treasury has released draft legislation to enact the Government’s plan to increase the tax rate on earnings on superannuation balances above $3m from 15% to 30% from 1 July 2025.

Retirement planning: it’s not all about the money

While individuals’ wealth and health are obviously important for anyone heading into retirement, there are other factors that are usually more important in determining the life satisfaction for retirees.

The Redesigned Stage 3 Personal Income Tax Cuts

After much speculation, the Government has announced that they will amend the legislated Stage 3 tax cuts scheduled to commence on 1 July 2024. Although more Australian taxpayers will receive a personal income tax cut, for some the impact will be less favourable.

The ‘Airbnb’ Tax

Property investors that choose to utilise their property for short-term stays (or leave it vacant) are firmly in the sights of the regulators.

Redrawing Investment Loans

Interest on investment loans is being highly scrutinised by the ATO, with redrawing of funds from investment loans being a particular area of culpability.