Budget: Time to reconsider wealth building plans

The game has been radically changed – now is the time to consider alternatives and plan for the years ahead.

Summary: The federal budget’s superannuation policy suite will require super savers and retirees to reconsider the tools at their disposal to maximise wealth creation – with the lifetime cap on post-tax contributions to cut in at $500,000, and balances over $1.6 million in pension mode to be taxed, now is the time to think about the role of negative gearing in an investment portfolio, whether contributions can be split with a spouse, and consider investing in a larger family home that can be used for retirement savings when downsized.


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