SUPERANNUATION PLANNING & ADVICE

Will the recent increase in your super result in a pay cut?

Superannuation guarantee (SG) rates will increase from 1 July 2021. While this is good news for our retirement nest eggs, some employees may feel the impact with a deduction to …

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2021-22 Federal Budget Analysis

On 11 May 2021, the Government handed down the 2021-22 Federal Budget. Whilst this marked a return to the traditional timing of the budgetary processes, the content of the 2021-22 …

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Superannuation transfer balance cap changes coming on 1 July 2021

The Transfer Balance Cap (TBC) began on 1 July 2017. It is a lifetime limit on the total amount of superannuation that can be transferred into retirement phase income streams, …

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Wealth creation using superannuation – a case study

Back in the days of “normal” interest rates the simple answer to the question “what do I do with any surplus savings?” was “pay off debt”. That’s still a sound …

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The value of financial advice when tragedy strikes – a personal story

The story below was written by one of our long-time clients Kelly Exeter who lost her husband Anthony (Ant) in a freak accident two years ago. It is rare but …

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Salary sacrificing into super

If you are earning more than you need to live comfortably, salary sacrificing may be an attractive option to reduce your tax, boost your superannuation and prepare for a more …

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Superannuation is not a case of ‘set and forget’

The government regularly reminds us that each Australian must take responsibility for funding their future. Regardless of when you will be able to access your super, or when you choose …

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Salary sacrifice vs personal contributions to super

If you are an employee, there are two ways in which you can optimise the tax effectiveness of your additional super contributions: opt for a salary sacrifice arrangement, whereby your …

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The upside of a market downturn

Most people view share market downturns as unequivocally bad events. Suddenly, hard-earned savings aren’t worth as much as they were yesterday. It seems as if our money is evaporating, and …

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If you think you’d never fall for a scam, read this

If you are aged over 50, male, highly educated, financially literate and manage your own super, beware. You’re at a higher risk of being the target (and victim) of organised …

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How much income do you need in retirement?

Many people will say they are dreaming of retirement, but some are not taking the necessary action to make it a reality. In fact, there are not too many people …

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How much super should I have?

It’s all very well having retirement savings as a financial goal, but just how much should you plan to have in your super balance now, and when you retire? Above …

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What’s your magic number?

According to a recent survey *, Australians tend to underestimate the amount of money needed in our retirement years by as much as 20%. Survey respondents, including active Australian investors, revealed …

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When is a good time to retire?

There has been much social and political debate since the federal government proposed pushing out the age at which Australians can access the age pension. Although most occupations don’t have …

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Downsize your home, upsize your super

Over 65? Thinking of selling your home? From 1 July 2018 you may be able to contribute up to $300,000 ($600,000 for a couple) from the proceeds of the sale …

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