OTG Capital - Blog #SMSFOTG Capital - Blog #SMSFhttps://www.otgcapital.com.au/blogs/tag/smsfWed, 15 Apr 2026 11:04:01 +1000http://zoho.com/sites/<![CDATA[Super Changes Part 1 - Dollars & Making Sense 7 Apr 2026]]>https://www.otgcapital.com.au/blogs/post/super-changes-part-1-dollars-making-sense-7-apr-2026Super changes, div 296, payday super and more, tune in!]]>
choosing an adviser
Natasha Panagis, superannuation expert for IFPA (www.ifpa.com.au) joins me this week to work through an expansive show in 2 parts covering the major changes happening in our superannuation system.  Part 1 will cover changes in Div 296 (I told you they wouldn't tax unrealised gains!) for super balances at $3m and $10m with some excellent examples of what the Div 296 will actually impact.  Its nowhere near as bad as the pundits and scaremongers would have you think. 
Natasha's slides can be downloaded from this link. 

@FMRNB

@Radio Northern Beaches                                                                                               

]]>Tue, 07 Apr 2026 09:00:00 +1000<![CDATA[Who's Buying Crypto - Dollars & Making Sense 30 Dec 2025 - Summer Series #3]]>https://www.otgcapital.com.au/blogs/post/who-s-buying-crypto-dollars-making-sense-30-dec-2025-summer-series-3Anna's whitepaper is available on this link for free, and this interview picks up on some key themes - well worth a listen, no matter your background, investment posture or outlook.]]>
choosing an adviser
This show is a repeat from earlier this year, we hope you enjoy it!

Anna Venonnen from Coredata returns from her very insightful research last year about crypto investing.  Having recently completed a research article for Coredata in "Trends in Crypto Investing", what better way to find out then to go straight to the source.  Anna's whitepaper is available on this link for free, and this interview picks up on some key themes - well worth a listen, no matter your background, investment posture or outlook.
The whitepaper is available FREE, just click on this link https://coredatainsights.com/cd-insights/australias-crypto-investors-2025/

@FMRNB

@Radio Northern Beaches                                                                                              

]]>Tue, 30 Dec 2025 09:00:00 +1100<![CDATA[Who's Buying Crypto - Dollars & Making Sense 11 Nov 2025]]>https://www.otgcapital.com.au/blogs/post/who-s-buying-crypto-dollars-making-sense-11-nov-2025Anna's whitepaper is available on this link for free, and this interview picks up on some key themes - well worth a listen, no matter your background, investment posture or outlook.]]>
choosing an adviser
Anna Venonnen from Coredata returns from her very insightful research last year about crypto investing.  Having recently completed a research article for Coredata in "Trends in Crypto Investing", what better way to find out then to go straight to the source.  Anna's whitepaper is available on this link for free, and this interview picks up on some key themes - well worth a listen, no matter your background, investment posture or outlook.
The whitepaper is available FREE, just click on this link https://coredatainsights.com/cd-insights/australias-crypto-investors-2025/

@FMRNB

@Radio Northern Beaches                                                                                              

]]>Tue, 11 Nov 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<![CDATA[Summer #9 - Downsizer Contributions - Dollars & Making Sense 11 Feb 2025]]>https://www.otgcapital.com.au/blogs/post/summer-9-downsizer-contributions-dollars-making-sense-11-feb-2025We're deep diving into Downsizer Contributions to superannuation. If you own your own home, and need a neat way to bring your retirement balance closer to your goal, this may be a great way of doing it.]]>
choosing an adviser

Welcome to our Summer Series of archive blogs from the past year.  We'll be featuring our favourite shows from 2024 until we return in Feb'2025.  Thanks for watching/listening.

Home owners looking to move onto their next place have a unique opportunity to top up their super balances.  This week we welcome a new contributor from IFPA (Institute of Financial Professionals Australia), Stuart Sheary, tech specialist and we're deep diving into Downsizer Contributions to superannuation.  If you own your own home, and need a neat way to bring your retirement balance closer to your goal, this may be a great way of doing it.  Stuart works through the "tips and traps" to take advantage the next time you decide to sell up and move on.

@FMRNB

@Radio Northern Beaches                                                                                               

]]>Tue, 11 Feb 2025 10:28:00 +1100<![CDATA[Downsizer Contributions - Dollars & Making Sense 10 Dec 2024]]>https://www.otgcapital.com.au/blogs/post/downsizer-contributions-dollars-making-sense-10-dec-2024We're deep diving into Downsizer Contributions to superannuation. If you own your own home, and need a neat way to bring your retirement balance closer to your goal, this may be a great way of doing it.]]>
choosing an adviser

Home owners looking to move onto their next place have a unique opportunity to top up their super balances.  This week we welcome a new contributor from IFPA (Institute of Financial Professionals Australia), Stuart Sheary, tech specialist and we're deep diving into Downsizer Contributions to superannuation.  If you own your own home, and need a neat way to bring your retirement balance closer to your goal, this may be a great way of doing it.  Stuart works through the "tips and traps" to take advantage the next time you decide to sell up and move on.

@FMRNB

@Radio Northern Beaches                                                                                               

]]>Tue, 10 Dec 2024 09:00:00 +1100<![CDATA[Topping Up Your Super - Dollars & Making Sense 3 Dec 2024]]>https://www.otgcapital.com.au/blogs/post/topping-up-your-super-dollars-making-sense-3-dec-2024Work test rules for thos aged between 67 and 75 have been eased and the Preservation Age increased to better align tax regimes and make it easier to reach goals.]]>
choosing an adviser

What is the difference between Preservation Age and Retirement Age?  When can I access my super to draw a pension, and as I approach my retirement, are there ways to boost the super balance of myself and my spouse?  Natasha Panagis of the Institute of Financial Professionals Australia (www.ifpa.com.au), superannuation subject matter expert illuminates us on what are the proven and effective ways to ensure you reach your goal of having enough to retire comfortably.  Work test rules for thos aged between 67 and 75 have been eased and the Preservation Age increased to better align tax regimes and make it easier to reach goals.  Tune in to find out how.

@FMRNB

@Radio Northern Beaches                                                                                               

]]>Tue, 03 Dec 2024 09:50:17 +1100<![CDATA[Types of Super Funds - Dollars & Making Sense 19 Nov 2024]]>https://www.otgcapital.com.au/blogs/post/types-of-super-funds-dollars-making-sense-19-nov-2024Key differences between Self Managed Super Funds (SMSFs), and APRA super funds (industry, govt, pvt). There are many advantages and disadvantages to running your own show, and we also delve into "wrap accounts", a handy way to sit between a self managed option and a fully regulated fund.]]>
choosing an adviser
Natasha Panagis, subject matter expert on all matters superannuation joins us to work through key differences between Self Managed Super Funds (SMSFs), and APRA super funds (industry, govt, pvt).  There are many advantages and disadvantages to running your own show, and we also delve into "wrap accounts", a handy way to sit between a self managed option and a fully regulated fund.  Hear it best from the experts on Dollars & Making Sense.

@FMRNB

@Radio Northern Beaches                                                                                               

]]>Tue, 19 Nov 2024 21:00:00 +1100<![CDATA[What is Super NOT for - Dollars & Making Sense 29 Oct 2024]]>https://www.otgcapital.com.au/blogs/post/what-is-super-not-for-dollars-making-sense-29-oct-2024What is super NOT for? Great question, so let's hear some great answers from Michelle Griffiths of TAG Financial Services]]>
choosing an adviser
Most of us have a good idea what our superannuation is for.  Today, we're welcoming a new guest to our show, Michelle Griffiths from TAG Financial Services, a financial planner and chartered accountant.  There are many misconceptions in the marketplace about what super is and is NOT for.  This unfortunately includes too many politicians who've decided that the nation's retirement piggy bank is too big a target to not at least have a discussion about it.  Find out what super is designed for here on Dollars & Making Sense.

@FMRNB

@Radio Northern Beaches                                                                                               

]]>Tue, 29 Oct 2024 09:00:00 +1100