On behalf of Russell Investments and SPAA we invite you to see the findings from the Intimate with Self-Managed Super survey. These insights will be used to inform Government and the finance industry on the future of the superannuation sector. 

Getting leveraged exposure to the share market doesn't always mean you'll be burdened with loans, interest payments and ongoing financial commitments.

This case study shows that for a one-off upfront payment, your SMSF can get leveraged exposure to the ASX200 with the potential to multiply returns.  

The most common reason for choosing to establish a SMSF is investment flexibility. Many people ponder what the point is of having a SMSF if you only want to own cash, shares or managed funds. 

A lot is said about the inequality between high income earners who make deductible contributions to Super and enjoy an immediate tax arbitrage of up to 31.5%, and low income earners who’s SGC is effectively taxed at their marginal rates (or higher).  In fact it is again a major political question and a budget focus as the government tries to achieve a surplus by cutting the tax concessions available. 

An insurance policy covering total and permanent disability (TPD) should normally be part of a suite of insurances we know as "life risk". They include income protection, trauma, life and, sometimes, business expense cover. All have different purposes and cover you for different events.

TPD offers a lump sum payment if you are deemed to have become totally and permanently disabled. The criteria are spelled out in the policy.