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Recent DIY Super Questions

Tax on an SMSF

Regarding the proposal to tax earnings from your SMSF assets over $100,000 per year – is that figure of $100,000 before or after you pay yourself a pension? For example, your fund may earn $120,000 but you pay yourself a pension of $30,000 which leaves an increase of $90,000 in your SMSF.


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Fixed interest or shares?

Hi Paul

I watch a fair bit of Sky Business and follow your reports on Switzer with interest. With interest rates for term deposits falling I have taken an interest in the Bonds session on “your Money your call” on Sky Business. I recently went to a presentation by FIIG Securities and have since bought 2 fixed interest bonds they recommended which pay very good returns close to 7%.

Normally I am of the view that the higher the return the greater the risk but FIIG tell me these investments are more secure than equities and they have asset backing that makes them a safe investment. I have always been impressed by the people at FIIG but do you have a view whether I am better to buy shares with 5% dividend and franking rather than a fixed interest bond?


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How to buy bonds

Hi Paul,

I should like to invest in Index Linked Bonds (ILB) and Indexed Annuity Bonds (IAB) but cannot find brokers who offer these instruments.

Can you please advise where to purchase?

Thank you for your cooperation.

Kind regards.


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