OTG Capital - Blog #superOTG Capital - Blog #superhttps://www.otgcapital.com.au/blogs/tag/superTue, 17 Mar 2026 23:11:23 +1100http://zoho.com/sites/<![CDATA[Aged Pension 1.01 - Dollars & Making Sense 17 Mar 2026]]>https://www.otgcapital.com.au/blogs/post/aged-pension-1.01-dollars-making-sense-17-mar-2026ustin is a wealth of information and guides us through what "deeming" is, the income and assets means test and how it can impact what you do or don't get paid as part of your entitlements.]]>
choosing an adviser
There are many misconceptions about the Aged Pension, who can access it, who is entitled to it, and what are the rules that surround applying for, and getting the Aged Pension.  This week, we welcome back Justin Bott, Media Information Officer from Services Australia, (better known as Centrelink).  Justin is a wealth of information and guides us through what "deeming" is, the income and assets means test and how it can impact what you do or don't get paid as part of your entitlements.  The Services Australia website is a wealth of information as is the government's Financial Information Service.

@FMRNB

@Radio Northern Beaches                                                                                               

]]>Tue, 17 Mar 2026 09:00:00 +1100<![CDATA[Unclaimed Medicare Money - Dollars & Making Sense 24 Feb 2026]]>https://www.otgcapital.com.au/blogs/post/unclaimed-medicare-money-dollars-making-sense-24-feb-2026Justin Bott from Services Australia (Centrelink) joins us again to work through free money. Yes, "free money", money that is yours but you've either forgotten to claim it, or forgotten about it.]]>
choosing an adviser
Justin Bott, Information Office from Services Australia (Centrelink) joins us again to work through free money.  Yes, "free money", money that is yours but you've either forgotten to claim it, or forgotten about it.  Unclaimed Medicare payments that total almost one quarter of a billion dollars.  Tune in to find out whether you're missing out, and don't worry, there isn't a time limit, if the money is yours? it remains yours.

@FMRNB

@Radio Northern Beaches                                                                                               

]]>Tue, 24 Feb 2026 09:00:00 +1100<![CDATA[Income Protection & Super Pt 4 - Dollars & Making Sense - 3 Feb 2026 - Summer Series #8]]>https://www.otgcapital.com.au/blogs/post/income-protection-super-pt-4-dollars-making-sense-3-feb-2026-summer-series-8This wraps up and brings together an important element of how super not only saves for your retirement, yet also can incapsulate insuring your most important asset - You!]]>
choosing an adviser
This show is a repeat from earlier this year, we hope you enjoy it!

In our final installment on life cover inside superannuation, Natasha Panagis from IFPA elaborates on the detail of temporary incapacity and how that varies with the other types of life cover in previous episodes.  There are tax benefits and tips & traps to be aware of, tune in to find out why this form of cover is increasingly important for those needing to ensure continuity of earnings.  This wraps up and brings together an important element of how super not only saves for your retirement, yet also can incapsulate insuring your most important asset - You!

@FMRNB

@Radio Northern Beaches                                                                                              

]]>Tue, 03 Feb 2026 09:00:00 +1100<![CDATA[Lost Super - Dollars & Making Sense 27 Jan 2026 - Summer Series #7]]>https://www.otgcapital.com.au/blogs/post/lost-super-dollars-making-sense-27-jan-2026-summer-series-7Justin Bott from Services Australia (Centrelink) joins us again to work through free money. Yes, "free money", money that is yours but you've either forgotten to claim it, or forgotten about it.]]>
choosing an adviser
This show is a repeat from earlier this year, we hope you enjoy it!

Justin Bott, Information Office from Services Australia (Centrelink) joins us again to work through free money.  Yes, "free money", money that is yours but you've either forgotten to claim it, or forgotten about it.  We cover off easy ones like lost superannuation sitting in too many accounts that you've lost track of, through to old banks accounts, investments you no longer thought you had, and the hidden one that surprises?  Unclaimed Medicare payments that total almost one quarter of a billion dollars.  Tune in to find out whether you're missing out, and don't worry, there isn't a time limit, if the money is yours? it remains yours.

@FMRNB

@Radio Northern Beaches                                                                                               

]]>Tue, 27 Jan 2026 09:00:00 +1100<![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[Buying Your First Home with Super - Dollars & Making Sense 25 Nov 2025]]>https://www.otgcapital.com.au/blogs/post/buying-your-first-home-with-super-dollars-making-sense-25-nov-2025work through the details of the First Home Buyers Super Save Scheme (FHSSS). It surprised me, as it will you, this policy has been around since 1 July 2017. Let's get some details today on Dollars & Making Sense]]>
choosing an adviser
A number of election cycles have passed, and Super is usually mentioned as a political football.  But today, we chat with Stuart Sheary, expert from the Institute of Financial Professionals of Australia (www.ifpa.com.au) to work through the details of the First Home Buyers Super Save Scheme (FHSSS).  It surprised me, as it will you, this policy has been around since 1 July 2017.  Let's get some details today on Dollars & Making Sense
@FMRNB

@Radio Northern Beaches                                                                                              

]]>Tue, 25 Nov 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[Income Protection & Super Pt 4 - Dollars & Making Sense 26 Aug 2025]]>https://www.otgcapital.com.au/blogs/post/income-protection-super-pt-4-dollars-making-sense-26-aug-2025This wraps up and brings together an important element of how super not only saves for your retirement, yet also can incapsulate insuring your most important asset - You!]]>
choosing an adviser
In our final installment on life cover inside superannuation, Natasha Panagis from IFPA elaborates on the detail of temporary incapacity and how that varies with the other types of life cover in previous episodes.  There are tax benefits and tips & traps to be aware of, tune in to find out why this form of cover is increasingly important for those needing to ensure continuity of earnings.  This wraps up and brings together an important element of how super not only saves for your retirement, yet also can incapsulate insuring your most important asset - You!

@FMRNB

@Radio Northern Beaches                                                                                              

]]>Tue, 26 Aug 2025 09:00:00 +1000<![CDATA[$3m Super Tax - Dollars & Making Sense 17 Jun 2025]]>https://www.otgcapital.com.au/blogs/post/3m-super-tax-dollars-making-sense-17-jun-2025What is the $3m super cap all about? We welcome back Stuart Sheary, subject matter expert from IFPA (www.ifpa.com.au) to help explain all the proposed changes that are being legislated later this year when parliarment resits.]]>
choosing an adviser
What is the $3m super cap all about?  We welcome back Stuart Sheary, subject matter expert from IFPA (www.ifpa.com.au) to help explain all the proposed changes that are being legislated later this year when parliarment resits.  Is the sky falling down, or are we right to be concerned.  Is this just a negotiating strategy to ask for a lot and then settle on a something more acceptable.  Stuart and Ray discuss a number of angles and views from professionals involved in the day to day running of this proposed change in super laws.

@FMRNB

@Radio Northern Beaches                                                                                              

]]>Tue, 17 Jun 2025 09:00:00 +1000<![CDATA[Income Protection & Super - Dollars & Making Sense 6 May 2025]]>https://www.otgcapital.com.au/blogs/post/income-protection-super-dollars-making-sense-6-may-2025This wraps up and brings together an important element of how super not only saves for your retirement, yet also can incapsulate insuring your most important asset - You!]]>
choosing an adviser
In our final installment on life cover inside superannuation, Natasha Panagis from IFPA elaborates on the detail of temporary incapacity and how that varies with the other types of life cover in previous episodes.  There are tax benefits and tips & traps to be aware of, tune in to find out why this form of cover is increasingly important for those needing to ensure continuity of earnings.  This wraps up and brings together an important element of how super not only saves for your retirement, yet also can incapsulate insuring your most important asset - You!

@FMRNB

@Radio Northern Beaches                                                                                              

]]>Tue, 03 Jun 2025 16:08:32 +1000