Letters of the Week

Property inside or outside SMSFs, fund manager fees, and CBA PERLS.

It looks to me as though Bruce Brammall's September 12 article has completely ignored the time value of money.  Over long periods (15 or 20 years) this becomes extremely important. Because holding a property outside of super generates (negative gearing) tax savings earlier these are actually worth much more than an equivalent dollar value of CGT tax savings on sale from a property held inside super. By not taking this into account (and just cumulating the dollar amounts) the article has seriously skewed the comparisons in favour of the within-super option.

S Talbot



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