SMSF insights, news and notes from Joy.
Practical guidance on running your SMSF, compliance updates, strategy tips, and plain-English explanations of the rules that matter.
Tax in Super: Pensions vs Lump Sums — What You'll Pay (and When You Won't)
How super withdrawals are taxed at each stage of life — account-based pensions, lump sums, the low rate cap, and what most retirees actually pay.
Read more →2026–27 Budget: What SMSF Trustees Need to Know
CGT discount overhaul, negative gearing changes, discretionary trust minimum tax, and why most of it explicitly excludes SMSFs. A plain-English breakdown of what matters.
Read more →Payday Super Is Coming, Is Your SMSF Ready?
From 1 July 2026, employers must pay super on payday. Here's what SMSF trustees need to check, ESA, bank accounts, clearing house changes and more.
Read more →Your SMSF EOFY Checklist, Don't Leave These Until the Last Minute
Contributions, carry-forward amounts, pension minimums, asset valuations and Division 296, everything to review before 30 June 2026.
Read more →The $3 Million Super Tax Is Real, Here's What You Need to Know About Division 296
Division 296 tax is now law. From 1 July 2026, super balances above $3 million attract additional tax. Here's a plain-English breakdown, including the CGT cost base reset.
Read more →Super Contributions in 2025–26: A Plain-English Cheat Sheet
CC, NCC, bring-forward, carry-forward, a complete guide to the 2025–26 contribution caps and rules, verified straight from the ATO.
Read more →The Transfer Balance Cap Just Hit $2 Million, Here's Why It Matters
From 1 July 2025, more of your super can sit in the tax-free pension zone. Here's what the $2 million cap means, and why timing your pension start matters.
Read more →How to Set Up an SMSF in Australia: A Complete 2026 Guide
A step-by-step walkthrough of the SMSF setup process, from deciding if it's right for you, through trustee structure, ATO registration, trust deed and your first rollover.
Read more →SMSF Contribution Limits 2025–26: What Trustees Need to Know
The concessional cap is $30,000 and non-concessional cap is $120,000 for 2025–26. Here's what these limits mean for your SMSF strategy, including carry-forward and bring-forward rules.
Read more →Investing in Your SMSF: What You Need to Know
Asset classes, risk-return spectrum, legal strategy requirements and compliance rules, a complete trustee guide to SMSF investing.
Read more →Buying Property in Your SMSF: How LRBAs Work
A plain-English guide to SMSF borrowing, how the bare trust structure works, what the law requires, and what every trustee needs to know before proceeding.
Read more →
Ready to take control of your SMSF?
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