RSM Australia

Wealth insights

Wealth Insights

Hayne Royal Commissioner’s Assessment of the Superannuation Industry

26 June 2019
The Australian superannuation and wealth management sector has been in the spotlight over the past year as a result of the Hayne Royal Commission. The role of the Trustee and the suitability of the vertical integration model within the sole purpose test has been challenged.

Your ticket to financial freedom - spouse contribution splitting

21 May 2019
An often overlooked but valuable means of growing overall retirement savings is to pass some of your superannuation to your spouse, i.e. spouse contribution splitting. 

It will pay to be lazy with Bill Shorten's franking credit changes

1 May 2019
The financial system in Australia has always been based on some simple fundamental principles. An underlying ethos of the more you work, the more you earn, the more tax you should pay. As much as we may despise paying tax, we all accept this as fair. 

Not super to keep on meddling

23 April 2019
No wonder people aren’t engaged with their superannuation and don’t pay attention. For young people like myself there are most likely going to be another 100 rule changes before we can access our superannuation and here comes another set of proposed changes.

Insurance matters, so hang on to those superannuation accounts

21 March 2019
About 28 million superannuation accounts for 25 million Australians look to be way too many, and seemingly justifies a Federal Government campaign to forcibly consolidate funds.

Banking Royal Commission: The impact on superannuation

18 February 2019
Since its release, commentary on the Royal Commission’s Final Report has focused on the impact this will have on the Australian financial services sector and the big banks. 

Banking Royal Commission: next steps for financial industry

28 November 2018
The interim report from the Banking Royal Commission (BRC) into misconduct in the banking, superannuation and financial services industry has some hard lessons for those in the financial services industry, including accountants and financial advisors.

Reducing financial pressures in the face of critical illness

13 November 2018
We are taught from a very young age to plan for success, yet no one teaches us to plan for failure or the unexpected. Nowadays it is even worse, we don’t even let our kids fail, they all get a medal in the school carnival.

Seven ways to kick-start your retirement planning

28 June 2018
Time stands still for no one, especially if your eyes are on the retirement prize and yet you’re wondering, “how am I going to get there?”

A super recontribution could optimise inheritance for your kids

20 June 2018
Aside from your home, the most valuable asset you are likely to own, and potentially be able to pass on to your next generation, is your superannuation. The challenge is that once your kids leave home, their financial dependence on you, at least according to the law, pretty much ends.

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