Mark Holzworth, Author at Holzworth Partners

16 Sep 2026

MPIR Rise Continues

The Maximum Permissible Interest Rate (MPIR) will increase to 8.51% p.a. from 1 October 2026. The MPIR is increasing from 8.43% p.a. for the July to September 2026 quarter to 8.51% p.a. for the period 1 October to 31 December 2026. The MPIR is used when calculating certain residential aged care accommodation payments and contributions. The Australian Government publishes the current and previous rates through the Department of Health, Disability and Ageing. Who will the

16 Sep 2026

Deeming Rates to Increase

By Mark Holzworth

Effective from 20 September 2026The Australian Government has announced an increase to the deeming rates used to assess income from financial investments.From 20 September 2026 to 19 March 2027, the deeming rates will increase by 0.5 percentage points.New Deeming Rates Person / Couple Asset Threshold Deeming Rate Single person First $66,800 1.75% Above $66,800 3.75% Couple (combined) First $110,600 1.75% Above $110,600 3.75% What Could This Mean for You?The increase may affect the assessment of

15 Sep 2026

4 Steps to Choosing a Residential Care Service

By Mark Holzworth

When the time comes for you or a loved one to move into residential aged care, choosing the right service is an important decision. Availability and urgency can sometimes limit your choices and the pressure can be overwhelming, so having a simple process can help. Think about the decision much like choosing a home and consider these four key steps: 1. Choose the Location Consider where you would like to live and what is important

15 Sep 2026

Choosing Accommodation to Meet Your Needs

By Mark Holzworth

Choosing where to live in retirement can be a big decision. Options may include: Own home Rental Granny flat Retirement village Land-lease retirement community Residential aged care Before deciding, consider the costs, security of your capital, access to care, government assistance and what happens to your money when you leave. When are the options available? Residential aged care is designed for people who need ongoing care and support and requires an assessment through My Aged

1 Sep 2026

When Should You Speak to Your Financial Adviser?

By Mark Holzworth

Financial advice isn't something you only need when you're approaching retirement, have a large amount of money to invest, or something has gone wrong. Some of the most valuable advice can happen much earlier, when something in your life changes. A new job. A pay rise. Buying or selling property. Starting a business. Receiving an inheritance. Getting married or separating. Having children. Taking on debt. Changing your superannuation. Helping your adult children financially. Or simply

4 Aug 2026

SMSF Residential Property Borrowing Changes: What You Need to Know

By Mark Holzworth

The Federal Government has announced significant changes to the rules surrounding Self-Managed Super Funds (SMSFs) and residential property borrowing.Under the proposed legislation, SMSFs will no longer be able to use a Limited Recourse Borrowing Arrangement (LRBA) to purchase residential property. The change forms part of the Government's broader housing and taxation reforms and could affect Australians planning to invest in residential property through their super.If you're considering an SMSF property investment strategy, it's important to

2 Apr 2026

Navigating the Global Investment Climate: An Australian Investor’s Perspective

By Mark Holzworth

The global investment environment in 2026 is defined by heightened geopolitical risk, elevated uncertainty around energy markets, and a late-cycle economic expansion characterised by uneven growth and inflation elements. For Australian investors, these forces may underline the importance of diversification across regions, asset classes and currencies, while remaining mindful of currency volatility and geopolitical tail risks. Below we outline the current global backdrop and explore portfolio considerations. The Current Global Investment Backdrop Global growth remains resilient but fragile. The International Monetary Fund projects global GDP growth

3 Jun 2025

Tax Question: Cryptocurrency and Capital Gains Tax

By Mark Holzworth

When it comes to investing in cryptocurrency, many individuals overlook the tax consequences of potentially high levels of performance returns. A recent client case highlights the complexities of managing capital gains tax (CGT) when transferring crypto assets from personal ownership to a more tax-effective structure, such as a company, trust, or SMSF. With significant gains already accruing, understanding the CGT implications is critical before making any changes to how you hold the investment. The client

14 Jan 2025

IndexInvest Update

By Mark Holzworth

Our wholly owned investment manager, IndexInvest, directs how investment portfolios are allocated across asset classes (shares, property, bonds, cash, etc) and global investment markets. Below are insights of what 2024 delivered for you. Geopolitics and Markets Geopolitical events played a significant role in shaping market sentiment. The conflict in Ukraine intensified, leading to disruptions in energy markets and increased defence spending globally. The year 2024 was notable for elections, with over 60 countries going to

12 Nov 2024

The Trump Trade is a real thing!

By Mark Holzworth

The "Trump Trade" refers to the behavior of global financial markets and investor actions in response to Donald Trump's economic policies and political moves. It is fair to say that since the election of Donald Trump, markets have moved substantially.Here are some key market impacts:Stock Market: Mr Trump's policies, such as deregulation, tax cuts, and increased fiscal spending, have historically led to a surge in U.S. shares, especially in sectors like technology, financials, industrials, and