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	<title>SMSF or Self Invested Personal Pensions (SIPPs): setting up and running them &#187; Setup</title>
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		<title>The credit crunch: the fine print changes at banks</title>
		<link>http://www.selfmanagedsuperfund.com/the-credit-crunch-the-fine-print-changes-at-banks/111/</link>
		<comments>http://www.selfmanagedsuperfund.com/the-credit-crunch-the-fine-print-changes-at-banks/111/#comments</comments>
		<pubDate>Tue, 25 Nov 2008 03:18:25 +0000</pubDate>
		<dc:creator>mike</dc:creator>
				<category><![CDATA[Risk]]></category>
		<category><![CDATA[Setup]]></category>
		<category><![CDATA[banks]]></category>
		<category><![CDATA[cash management]]></category>
		<category><![CDATA[term deposits]]></category>

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		<description><![CDATA[Whilst the more visible mass layoffs at banks like Citigroup, RBS and HBOS grab the headlines, there have also been some subtle changes at banks which are equally designed to shore up their balance sheets. This time however they&#8217;re looking to you, the customer, to do it. In Australia we usually hold the cash component [...]]]></description>
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		<title>Legislative risk &#8211; or &#8220;I&#8217;d rather have the cash now thank you&#8221;</title>
		<link>http://www.selfmanagedsuperfund.com/legislative-risk-or-id-rather-have-the-cash-now-thank-you/28/</link>
		<comments>http://www.selfmanagedsuperfund.com/legislative-risk-or-id-rather-have-the-cash-now-thank-you/28/#comments</comments>
		<pubDate>Sat, 13 Sep 2008 06:31:17 +0000</pubDate>
		<dc:creator>mike</dc:creator>
				<category><![CDATA[Risk]]></category>
		<category><![CDATA[Setup]]></category>
		<category><![CDATA[government risk]]></category>
		<category><![CDATA[SIPP setup]]></category>
		<category><![CDATA[SMSF setup]]></category>
		<category><![CDATA[tax]]></category>

		<guid isPermaLink="false">http://www.selfmanagedsuperfund.com/?p=28</guid>
		<description><![CDATA[Whether you put money into a SIPP or SMSF, in the back of everyone&#8217;s mind is the question (especially with voluntary contributions) of whether it makes sense to lock your money up in this way. In Australia the point comes to the fore more with voluntary contributions as superannuation is compulsory at 9% of salary [...]]]></description>
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