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Super is The Key

Superannuation is still a very advantageous, tax efficient way of investing for your retirement. As you may be aware, there are two basic types of superannuation investment:

  1. Placing your funds into an established superannuation fund run by professionals, or
  2. Operating your own self-managed super fund (SMSF).

Ethica has experience with both of these approaches, but they each have their advantages and disadvantages, so choosing the option that is most appropriate for you will depend on your financial circumstances, your attitude to risk and reward, and what your goals are.

The team at Ethica know super inside and out. Talk to us today by booking a complimentary initial consultation (value $440). Give Ethica a call on (07) 5433 5577 or complete the form below.
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Super Contributions - How much and when?

When you contribute to super, the earnings are taxed up to a maximum rate of only 15% and the tax on capital gains is at a maximum of 10%. In comparison, the earnings of investments outside of super are taxed at the investor’s marginal tax rate, which could be as high as 49.0% (including the Medicare levy).

If you are looking to save from your after-tax income, an investment in super will grow more quickly than the same investment outside super due to the lower tax, plus there’s no extra tax paid on the benefit when you retire.

If, like many in your age bracket, you’re able to contribute to your super from your pre-tax salary (sometimes called salary sacrifice), your super contribution will be taxed at 15%, but then the 15% tax on the earnings may still be considerably less than the tax on other investments.

The team at Ethica Private Wealth Specialists would love to help with planning your superannuation and invite you to a free consultation to discuss your goals further.

Contact us on (07) 5443 5577 or complete the form below.

Strategies we consider for your retirement plans include:

  • How to accumulate the required funds working within the cap limits that apply to taxable and non taxable contributions;
  • Timing your retirement including transition to retirement strategies;
  • Super co-contributions; and
  • Strategies to maximise your Centrelink entitlements.
    • Approximately 8 in 10 Australians aged 65 or more get a full or part government means-tested age pension that is indexed to average weekly earnings and gets paid as long as you live.
    • You also get other valuable benefits if you’re eligible for the age pension.
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When your superannuation benefit passes from the accumulation phase (pre-retirement) to the income phase (pension paying) there is usually no tax payable (unless it’s a public sector fund).

Having said that, it may leave fees and charges on the transfer, depending on the fund.

What are my Superannuation options when I retire?

  • Your options depend on the rules of your super fund benefits:
    • Some funds pay you benefits by way of an income stream or pension.
    • Others offer you a lump sum.
    • Others still enable you to take a lump sum or pension.
If you’d like to talk about getting the most out of your superannuation,
call Ethica now on (07) 5443 5577 or
send us an email to arrange a complementary consultation.

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