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Portfolio Manager at Lazard Asset Management, Aaron Binstead, joins host Grace Ormsby in this episode of the nestegg podcast to dissect Australia’s current ‘soft’ financial climate, and why defensive investing could be the right strategy for a multitude of investors.

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Aaron defines defensive investing comparing it to conservative investment options, analyses the types of investors who should be considering it as an investment strategy, and provides examples of industries where Lazard Asset Management predict growth for investors – also delving into the criteria they assess investments against.

With diversification an important part of a thriving investment portfolio, Aaron reveals some of the diversification mistakes that investors make, what SMSF investors should consider when selecting investment opportunities, and how investment decisions can impact an individual’s portfolio.

Thanks Aaron, for sharing your insights with the Nest Egg podcast team!

You can keep up to date with what Aaron is up to HERE

Have an investment story to share? Get in touch at [email protected] and you might get featured on the next episode.

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Wednesday, 23 October 2019

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Big tax bills could face investors with property in super

By Reporter · September 12 2018

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Big tax bills could face investors with property in super

By Reporter
September 12 2018

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Big tax bills could face investors with property in super

By Reporter · September 12 2018

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One of Australia’s top SMSF experts believes investors could be in for a rough ride if they have property in their super, as the government continues to tighten regulations and legislation.

In recent months and years, the ATO has been particularly focused on stamping out related-party borrowing in superannuation, which in effect refers to borrowing from a source that is not commercial, like a bank or credit union.

The Tax Office has been concerned about borrowing on non-commercial terms for various reasons, including that SMSFs could be securing rates and structures that would otherwise not be accessible for other funds.

This financial year, the ATO has new data matching capability on its hands, and national leader of superannuation at accounting firm BDO, Shirley Schaefer, believes it’ll be all eyes on borrowing arrangements.

“Now that all those tax returns have been lodged, you might find the ATO does a bit of data matching and undertake a few reviews in this area,” said Ms Schaefer.

If it’s found that funds are not operating on commercial terms, they could be hit with the non-arm’s length income provisions, or NALI, which could mean a tax bill of up to 15 per cent. NALI is taxed at the top personal marginal rate.

This is the latest in a string of clampdowns from the government and regulators on borrowing in superannuation.

At the moment, a bill is before the Senate to have the outstanding loan amount on a borrowing within super added to a member’s total super balance. In many cases this has made borrowing in superannuation less attractive, as it means a leveraged asset could push a superannuation fund over the prescribed caps.