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#171 - Retirement changes after you hit $3M (Beat THIS Trap)
Build sovereign wealth, join Australia’s Fastest Growing FREE crypto community 👉 https://www.skool.com/matthewfraser
🔗 TAKE ACTION:
Borrow against Bitcoin (no selling): https://platform.ledn.io/join/Collective
Australia's #1 Crypto Exchange: https://coinstash.com.au/auth/signup?a=cryptocollective
Free crypto strategy consultation: https://imperialwealth.com/consultation/crypto?iwac=CryptoCollective
Secure your Bitcoin: https://bit.ly/TheBitcoinWay-Schedule-a-Call
Sponsorships/Collabs: [email protected]
Hitting $3 million in super used to mean you were set for life. New rules change that completely. In this episode, Matt breaks down what actually happens once your balance crosses the $3M threshold, how the new tax settings work, and why SMSFs and hard assets behave differently under the updated system.
◼️ What changes once your super passes $3M
◼️ How the new tax rules affect long‑term retirement planning
◼️ The updated contribution caps and thresholds from July 1
◼️ A real $4M SMSF example and how earnings are treated
◼️ Why asset choice matters more than ever for future wealth
Timestamps:
00:00:00 - Introduction
00:00:31 - Labor's Attempt to Tax Unrealized Gains
00:01:04 - Proposed Tax Changes and Backlash
00:02:30 - What Actually Passed: Realized Gains Tax
00:04:05 - Positive Changes from July 1
00:04:26 - Payday Super: Immediate Super Payments
00:05:08 - Higher Contribution Caps
00:06:04 - Transfer Balance Cap Increase
00:06:25 - Super on Government Paid Parental Leave
00:06:56 - Sponsor: CoinStash
00:07:50 - Practical Example: $4 Million SMSF Couple
00:09:26 - Bitcoin in SMSF: Tax Advantages
00:11:03 - Long-term Impact on Retirement Savings
00:11:57 - Average Super Balances and Retirement Reality
00:13:27 - Building Wealth Outside Super
00:14:40 - Sponsor: Imperial Wealth
00:15:12 - Final Thoughts on Labor's Policies
__________
Avoid fakes- Follow the ‘real’ Matthew Fraser:
https://www.instagram.com/immatthewfraser/
https://www.tiktok.com/@immatthewfraser
https://www.facebook.com/immatthewfraser/
https://x.com/MatthewFraser
https://bit.ly/MatthewFraserLinkedIn
__________
**DISCLAIMER**
This is not financial, investment, tax, or legal advice. I'm not a licensed advisor. Bitcoin and SMSF strategies can carry significant risks; consult a qualified tax accountant and SMSF specialist before making any decisions. I may earn affiliate commissions from links I share, but this doesn't affect your cost.
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By Matthew FraserBuild sovereign wealth, join Australia’s Fastest Growing FREE crypto community 👉 https://www.skool.com/matthewfraser
🔗 TAKE ACTION:
Borrow against Bitcoin (no selling): https://platform.ledn.io/join/Collective
Australia's #1 Crypto Exchange: https://coinstash.com.au/auth/signup?a=cryptocollective
Free crypto strategy consultation: https://imperialwealth.com/consultation/crypto?iwac=CryptoCollective
Secure your Bitcoin: https://bit.ly/TheBitcoinWay-Schedule-a-Call
Sponsorships/Collabs: [email protected]
Hitting $3 million in super used to mean you were set for life. New rules change that completely. In this episode, Matt breaks down what actually happens once your balance crosses the $3M threshold, how the new tax settings work, and why SMSFs and hard assets behave differently under the updated system.
◼️ What changes once your super passes $3M
◼️ How the new tax rules affect long‑term retirement planning
◼️ The updated contribution caps and thresholds from July 1
◼️ A real $4M SMSF example and how earnings are treated
◼️ Why asset choice matters more than ever for future wealth
Timestamps:
00:00:00 - Introduction
00:00:31 - Labor's Attempt to Tax Unrealized Gains
00:01:04 - Proposed Tax Changes and Backlash
00:02:30 - What Actually Passed: Realized Gains Tax
00:04:05 - Positive Changes from July 1
00:04:26 - Payday Super: Immediate Super Payments
00:05:08 - Higher Contribution Caps
00:06:04 - Transfer Balance Cap Increase
00:06:25 - Super on Government Paid Parental Leave
00:06:56 - Sponsor: CoinStash
00:07:50 - Practical Example: $4 Million SMSF Couple
00:09:26 - Bitcoin in SMSF: Tax Advantages
00:11:03 - Long-term Impact on Retirement Savings
00:11:57 - Average Super Balances and Retirement Reality
00:13:27 - Building Wealth Outside Super
00:14:40 - Sponsor: Imperial Wealth
00:15:12 - Final Thoughts on Labor's Policies
__________
Avoid fakes- Follow the ‘real’ Matthew Fraser:
https://www.instagram.com/immatthewfraser/
https://www.tiktok.com/@immatthewfraser
https://www.facebook.com/immatthewfraser/
https://x.com/MatthewFraser
https://bit.ly/MatthewFraserLinkedIn
__________
**DISCLAIMER**
This is not financial, investment, tax, or legal advice. I'm not a licensed advisor. Bitcoin and SMSF strategies can carry significant risks; consult a qualified tax accountant and SMSF specialist before making any decisions. I may earn affiliate commissions from links I share, but this doesn't affect your cost.