OTG Capital - Blog #government policyOTG Capital - Blog #government policyhttps://www.otgcapital.com.au/blogs/tag/government-policyWed, 14 Oct 2026 02:05:44 +1100http://zoho.com/sites/<![CDATA[Borrowing with Super - Dollars & Making Sense 13 Oct 2026]]>https://www.otgcapital.com.au/blogs/post/borrowing-with-super-dollars-making-sense-13-oct-2026Using LRBAs to invest your super money? Tune in because the rules have changed from 10 Aug 2026]]>
choosing an adviser
An archive from earlier this year, while we take a very short break.  Limited Recourse Borrowing Arrangements (LRBA) are a popular tool for SMSF Trustees to invest in property, however new tax changes have recently been legislated from 10 Aug 2026.  So what exactly does this mean?  We welcome Stuart Sheary from the Institute of Financial Professionals of Australia (www.ifpa.com.au) back to the show to help explain what the changes to borrowing rules mean for SMSF Trustees contemplating using their super to borrow money to invest in real estate.  SMSF is complex at the best of times, add LRBAs and the new rules and you'll understand why we suggest you talk to professionals at all times.
@FMRNB

@Radio Northern Beaches                                                                                               

]]>Tue, 13 Oct 2026 09:00:00 +1100<![CDATA[Reversionary Pensions - Dollars & Making Sense 22 Sep 2026]]>https://www.otgcapital.com.au/blogs/post/reversionary-pensions-dollars-making-sense-22-sep-2026What is reversionary pension? Tune in to find out, and why its important to you and your estate beneficiaries]]>
choosing an adviser
First things 1st - what is a reversionary pension?  Glad you asked and we're glad we have Stuart Sheary, subject matter expert from the Institute of Financial Professionals of Australia (www.ifpa.com.au) along to explain the pros and cons of having a pension in place and what it means to beneficiaries of the pension.  As we all meet our maker, the type of pension in place will have a marked impact on the beneficiaries, the tax implications and whether some pay tax, or no tax at all.  Some jargon and a few explanations later, Stuart helps sort through some of the detail so you can understand what decision may suit you. And as always, we recommend you chat your financial professional for detailed advice.
@FMRNB

@Radio Northern Beaches                                                                                               

]]>Tue, 22 Sep 2026 09:00:00 +1000<![CDATA[Borrowing with Super - Dollars & Making Sense 15 Sep 2026]]>https://www.otgcapital.com.au/blogs/post/borrowing-with-super-dollars-making-sense-15-sep-2026Using LRBAs to invest your super money? Tune in because the rules have changed from 10 Aug 2026]]>
choosing an adviser
Limited Recourse Borrowing Arrangements (LRBA) are a popular tool for SMSF Trustees to invest in property, however new tax changes have recently been legislated from 10 Aug 2026.  So what exactly does this mean?  We welcome Stuart Sheary from the Institute of Financial Professionals of Australia (www.ifpa.com.au) back to the show to help explain what the changes to borrowing rules mean for SMSF Trustees contemplating using their super to borrow money to invest in real estate.  SMSF is complex at the best of times, add LRBAs and the new rules and you'll understand why we suggest you talk to professionals at all times.
@FMRNB

@Radio Northern Beaches                                                                                               

]]>Tue, 15 Sep 2026 09:00:00 +1000<![CDATA[Panic! Government Bonds - Dollars & Making Sense 8 Sep 2026]]>https://www.otgcapital.com.au/blogs/post/panic-government-bonds-dollars-making-sense-8-sep-2026There's panic in the government bonds market presently, why? This week we interview Liz Moran, editor of Fixed Income News Australia to find out. The outcome is looking messy ..]]>
choosing an adviser
Liz Moran, editor of Fixed Income News Australia (www.fina.com.au) joins us after a 3 year hiatus to rediscover government bonds.  Why?  There is panic in the bond markets at this time, and understanding why will also help all investors and citizens alike as to why they have such fundamental sway and impact to our everyday lives.  Ranging from petrol prices to mortgage costs and even your end of year holiday, and the exchange rate that either loves you, or buries you!  Tune in and find out about the canary in a coal mine, and how peaking government bond rates should be noticed and considered.
@FMRNB

@Radio Northern Beaches                                                                                               

]]>Tue, 08 Sep 2026 09:00:00 +1000<![CDATA[Centrepay & Good Shep - Dollars & Making Sense 9 Jun 2026]]>https://www.otgcapital.com.au/blogs/post/centrepay-good-shep-dollars-making-sense-9-jun-2026What is Centrepay and who is Good Shep? Tune in to find out all about Interest Free Loans and how Services Australia can assist you with ensuring your payments are on time]]>
choosing an adviser
Justin Bott, media information officer from Services Australia is back with us and covering off information that is brand new to me and possibly many others out there.  There is a budgeting and cash management tool available for all Services Australia payments recipients called Centrepay https://www.servicesaustralia.gov.au/centrepay - tune in to find out how this free service provides recipient easy to use payment structures to better manage ongoing payments like rent, utilities and other regular payments.  And for emergency situations, Good Shep - a not-for-profit charity is there is support those in need with interest free loans and ongoing support - what a great service! https://goodshep.org.au/ 
@FMRNB

@Radio Northern Beaches                                                                                               

]]>Tue, 09 Jun 2026 09:00:00 +1000<![CDATA[Super Gender Gap - Dollars & Making Sense 9 Jun 2026]]>https://www.otgcapital.com.au/blogs/post/super-gender-gap-dollars-making-sense-19-may-2026Why are women retiring with less super than men? Tune in to find out what to do about it]]>
choosing an adviser
Jen Richardson is a Newcastle based accountant, former financial planner who has a passion for educating those who need help in money, budgeting and finance.  Now being an accountant doesn't always mean you know a lot about making money.  Jen explains some of the poorest money managers she's ever met were accountants!!  This show, we're discussing the ongoing dilemma of the gap in super balances between men & women, and what can be done about it.  In 2021, KPMG released a study, and 5 years on this is updated.  We look at Jen's blog www.jenrichardson.co and specifically an excellent article on understanding why women in Australia retire with less super. https://jenrichardson.co/why-women-retire-with-less-super-in-australia/ 
@FMRNB

@Radio Northern Beaches                                                                                               

]]>Tue, 19 May 2026 09:00:00 +1000<![CDATA[Unrealised Gains in Super - Dollars & Making Sense 16 Dec 2025 - Summer Series #1]]>https://www.otgcapital.com.au/blogs/post/unrealised-gains-in-super-dollars-making-sense-16-dec-2025-summer-series-1Not everyone has the comfort of a fully loaded super account, and Stuart's suggestions are well worth considering when a number of them won't impact Centrelink payments.]]>
choosing an adviser
This show is a repeat from earlier this year, we hope you enjoy it!
After 2 years and more of political turmoil and much debate, the government has changed its mind on taxing unrealised gains in Super and introduced some taxation tiers as well.  We're joined by Natasha Panagis, subject matter expert from the Institute of Financial Professionals Australia (www.ifpa.com.au) to work through the details of what's changed and the impact.

@FMRNB

@Radio Northern Beaches                                                                                              

]]>Tue, 16 Dec 2025 09:00:00 +1100<![CDATA[Unrealised Gains in Super - Dollars & Making Sense 2 Dec 2025]]>https://www.otgcapital.com.au/blogs/post/unrealised-gains-in-super-dollars-making-sense-2-dec-2025Not everyone has the comfort of a fully loaded super account, and Stuart's suggestions are well worth considering when a number of them won't impact Centrelink payments.]]>
choosing an adviser
After 2 years and more of political turmoil and much debate, the government has changed its mind on taxing unrealised gains in Super and introduced some taxation tiers as well.  We're joined by Natasha Panagis, subject matter expert from the Institute of Financial Professionals Australia (www.ifpa.com.au) to work through the details of what's changed and the impact.

@FMRNB

@Radio Northern Beaches                                                                                              

]]>Tue, 02 Dec 2025 09:00:00 +1100<![CDATA[Super NCC Caps Pt 2 - Dollars & Making Sense 4 Nov 2025]]>https://www.otgcapital.com.au/blogs/post/super-cc-caps-pt-2-dollars-making-sense-28-oct-2025part 2 of what is the difference between non-concessional contributions and concessional contributions in our superannuation system. Natasha Panagis knows what she's talking about, so tune in to find out if for any range of reasons you over contribute without even knowing it.]]>
choosing an adviser
This week, we follow up with part 2 of what is the difference between non-concessional contributions and concessional contributions in our superannuation system.  Natasha Panagis knows what she's talking about, so tune in to find out if for any range of reasons you over contribute without even knowing it.  This is important stuff for your retirement planning.

@FMRNB

@Radio Northern Beaches                                                                                              

]]>Tue, 04 Nov 2025 09:03:00 +1100<![CDATA[Super CC Caps Pt 1 - Dollars & Making Sense 21 Oct 2025]]>https://www.otgcapital.com.au/blogs/post/super-ncc-caps-dollars-making-sense-14-oct-2025_copyWhat is the difference between NCC & CC contributions in our superannuation system? This week, Natasha Panagis, subject matter expert from IFPA (www.ifpa.com.au) joins us to discuss the differences and what happens if you exceed the limits in place. Its not all bad news!]]>
choosing an adviser
What is the difference between non-concessional contributions and concessional contributions in our superannuation system?  This week, Natasha Panagis, subject matter expert from IFPA (www.ifpa.com.au) joins us to discuss the differences and what happens if you exceed the limits in place.  Its not all bad news!  So tune in to find out what's going on, in this important part of your retirement planning.

@FMRNB

@Radio Northern Beaches                                                                                              

]]>Tue, 21 Oct 2025 21:00:00 +1100