money money money 847 three financial advisers vs your superannuation questions (campfire chat)
Nov 24, 2025
John Kasher, founder of Thriving Wealth, joins two other financial advisers to tackle superannuation queries. They discuss the ideal time to set up a self-managed super fund, tax advantages of spouse splitting, and clarify realised vs unrealised gains. The panel shares stories about common pitfalls in SMSFs, including concentration risks, and explains the importance of contribution caps. Listeners will benefit from practical tips on reviewing their super funds and insights on salary sacrifice strategies to maximize retirement savings.
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Don't Set Up An SMSF Just For Fee Savings
- Avoid setting up an SMSF just to save fees; justify it with strategy, complexity or property needs.
- Consider SMSFs when balances approach high six-figures to million-plus and you need control or complex structures.
High SMSF Cash Position Cost $200k+
- A client with $1.5m in an SMSF held $1.2m in cash and underperformed by sitting too conservative.
- Jade modelled investing half and showed a materially larger retirement outcome versus running out of cash.
Use Spouse Contributions And Splitting Strategically
- Use spouse splitting and spouse contributions to equalise balances and access tax offsets.
- Split up to 85% of contributions or pay $3,000 to spouse to claim up to $540 offset if spouse income is low.
