Winter 2025 Edition

Are life insurance premiums tax deductible?

• You may be able to claim tax deductions on income protection premiums — but only in specific situations.
• Having cover inside or outside super can significantly affect your tax outcome.
• There are complex rules around bundled policies and SMSFs — understanding them could save you money.

👉 Click here to find out what’s deductible and what’s not

Division 296: A changing landscape for high balances

• A new tax is set to impact super balances over $3 million — potentially halving your earnings.
• Investment bonds may offer a smart alternative with lower tax, estate planning advantages and early access.
• There are ways to protect your wealth from upcoming super changes — if you know where to look.

👉 Click here to explore how investment bonds could benefit you

It’s possible to profit from patience

• Market dips are unsettling — but history shows recoveries often follow quickly.
• Trying to time the market rarely works — but long-term investing has consistently rewarded patience.
• A well-structured plan can help you ride out volatility and stay focused on your goals.

👉 Click here to see how patience pays off in investing

Cyber safety matters at every age

• Tax season brings a wave of scams impersonating trusted institutions — and they’re getting harder to spot.
• Simple tools like multi-factor authentication and strong passwords can protect your personal data.
• Don’t wait until it's too late — learn how to spot and stop cyber threats now.

👉 Click here to learn how to stay secure online