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Boost Your Superannuation and Maximise Tax Benefits
Are you seeking ways to amplify your retirement savings while simultaneously reducing your tax burden? If so, you're in luck! There are numerous avenues available for contributing to your superannuation, tailored to your unique circumstances. Here's one effective method to grow your superannuation and access tax advantages.
Retiring on your own terms
The Australian tax system provides generous tax breaks and benefits for retirees. Here’s what you need to know.
Case study: Downsizing for Retirement
See how Mei-Win and Steven downsized to achieve their ideal retirement lifestyle.
Planning for Retirement When You’re Still in Debt
If you find yourself carrying debt in the lead-up to retirement, don’t panic. Instead, focus on prioritising.
Developing an Income Stream in Retirement
Increasingly, retirees are choosing to receive their retirement funds through a regular payment. These are the options.
Super strategies - Splitting your super contributions to your spouse
Splitting super contributions to your spouse’s super account may help to boost their retirement savings and provide a range of other benefits.
Super strategies - Top-up your super with help from the Government
If your income is under a certain threshold, then making personal after-tax super contributions could enable you to qualify for a Government co‑contribution and take advantage of the low tax rate payable in super on investment earnings.
Super strategies - Boost your spouse’s super and reduce your tax
Making an after-tax contribution into your spouse’s super could benefit you both – by increasing your spouse’s super and potentially reducing your tax.
Super strategies - Topping up super with ‘catch-up’ contributions
If you have not fully used your concessional cap in a prior financial year, you may be eligible to use these unused carried forward amounts in a later year. Depending on your circumstances, this could help you to maximise tax-effective super contributions and invest more for retirement.
Super Strategies - Sacrifice pre-tax salary into super
Contributing some of your pre-tax salary, wages or a bonus into super could help you to reduce your tax and invest more for your retirement.
Smart Super Strategies for this EOFY
With June 30 fast approaching, it’s time to start thinking about your super for another year. We’ve put together five smart strategies that may benefit you now, and help boost your super.