Category: Superannuation

As the end of the financial year approaches, it’s an opportune time to review your superannuation strategy and take advantage of available tax benefits. Making the most of end-of-financial-year super contributions can help boost your retirement savings and potentially reduce your tax liability. In this article, we will explore several strategies to help you maximise […]

We all know about the great tax benefits of Superannuation Pensions (Account based pensions started from superannuation funds). However, there are times when the benefits become insignificant or costly. There comes a time when you should move your funds out of super. The great attraction of superannuation is that it is a very tax effective […]

By Casey Shaw, Financial Advisor Picture this… when you were 21 years old your well-meaning but financially inept uncle put $1,000 into an ordinary bank account for you with instructions to leave it there and let the bank’s interest turn it into a fortune. You followed his directions only to discover 34 years later when […]

By Brad Martin, Financial Advisor If 50 really is the new 40, then life has just begun. The kids are gaining independence or may have left home, and the mortgage could be a thing of the past. Bliss. But galloping towards you is… retirement! How is your retirement planning tracking? According to the Association of […]

The revised proposed changes to super have now passed through both houses of parliament and are due to become part of Australian superannuation law. The new laws will generally affect individuals with relatively high super balances, and will change contributions rules and the tax breaks available in super with most taking effect from 1 July […]

The government has made significant changes to several of its plans around super reform. The government has announced changes to three key 2016 Federal Budget proposals—the most significant being that it would not go forward with its proposal to introduce a $500,000 lifetime cap on non-concessional (after-tax) super contributions. In a nutshell the new proposals […]

Find out what it is, how it works and why it matters to you What is diversification in investments? Diversification is a risk strategy that lets you ride the ups and downs of investing. It reduces your exposure to risk, so your investments won’t be as affected by fluctuations in markets. How do you diversify […]

By Greg Major*, Director, Blueprint Wealth Australians with the best life expectancy in history will have to work longer in order to be able to fund their retirement. But new research has found only half of all working Australians will be healthy enough to work into their golden years. The latest AMP.NATSEM report, Going the […]

When it comes to accessing your super, it’s important you make the right choice. You’ve spent your working life accumulating super. So when the time comes, are you better off taking a lump sum, regular income or both? Let’s weigh up the alternatives so you can start to consider what may be best for you. […]

We’ve all heard of salary sacrifice—but what does it mean when it comes to your super? It means contributing extra to your super, on top of what your employer already does, in before-tax dollars. Salary sacrifice payments—classified as concessional contributions because a lower tax rate applies—enable you to keep more of your money so your […]