OTG Capital - Blog #SMSFOTG Capital - Blog #SMSFhttps://www.otgcapital.com.au/blogs/tag/smsfWed, 14 Oct 2026 02:03:48 +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]]>
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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[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[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