Principal into a term deposit with the same terms

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Caroline is a 55-year-old Australian resident. She is the chief marketing officer based in Sydney for XYZ Limited (XYZ), a public company listed on the Australian Securities Exchange (ASX).

During the financial year ended 30 June 2012, she had the following transactions:

On 1 March 2012, Caroline received a $100,000 lump sum compensation payment for an injury she suffered to her neck in a car accident at the end of 2011.

Caroline put the entire $100,000 into a 90-day term deposit maturing on 30 June 2012, with an interest of $1,258 payable on maturity. At maturity, Caroline instructed the bank to reinvest both the interest and the principal into a term deposit with the same terms.

On 31 December 2011, she received a $30,000 dividend, franked to 50%.

She received $300,000 salary from XYZ.

She took out a loan of $25,000 and used the entire amount to make a contribution into her complying self-managed superannuation fund. On 30 June 2012, she pre-paid interest of $3,000 (for 10 months) on the loan.

On 30 June 2012, Caroline received $800,000 for the sale of a property which she inherited from her deceased mother. The property was her mother''s main residence up until her mother''s death on 14 July 2010. The market value of the property at the time of her mother''s death was $750,000. The property was originally purchased for $320,000 in January 1991 and has not been used to produce assessable income.

Prior to her role at XYZ, Caroline was made redundant on 1 July 2011 from her position at Technology Limited, where she had been employed since 4 April 2007. On 30 July 2011 she was paid a genuine redundancy sum of $20,000. The payment is considered reasonable and she did not have any unused long service leave or annual leave.

Reference no: EM131189239

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