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Can I Access My Super at 55?

Can I Access My Super at 55?

Nov 6, 2019 | Accessing Superannuation, Blog, Retirement Income Streams, Superannuation, Superannuation Tax

Non-Binding Death Benefit Nomination

Oct 4, 2019 | Blog, Death Benefits, Reversionary Pensions, SMSF, Superannuation, Superannuation Tax

A Non-Binding Death Benefit Nomination is a declaration made to the trustee of your super fund. A superannuation fund trustee is responsible for the management of your superannuation savings on your behalf. You are able to submit a nomination to the trustee detailing...

Leaving Super in Accumulation Phase

Oct 4, 2019 | Accessing Superannuation, Blog, Centrelink, Contributing to Super, Retirement Income Streams, SMSF, Superannuation, Superannuation Tax

Leaving super in accumulation phase is an option if you are retired or nearing retirement. There are a number of reasons why you may choose to leave funds in accumulation phase. Once you retire, you are not obligated to withdraw your super or commence an income...

TTR Pension Over Age 60

Sep 12, 2019 | Accessing Superannuation, Blog, Retirement Income Streams, SMSF, Superannuation, Superannuation Tax

A TTR Pension over age 60 provides a number of benefits. A Transition to Retirement (TTR) Pension is an income stream that you can start with your superannuation savings. You can use your super to start a TTR Pension once you have reached your superannaution...

Low Income Super Tax Offset

Sep 2, 2019 | Blog, Contributing to Super, Featured, Superannuation, Superannuation Tax

The Low Income Super Tax Offset is a superannuation payment made by the Government into the superannuation account of Low Income Earners to help them save for retirement. This superannuation support for low-income earners essentially refunds the contributions tax...
Accumulation Phase vs Pension Phase

Accumulation Phase vs Pension Phase

Aug 6, 2019 | Accessing Superannuation, Blog, Contributing to Super, Retirement Income Streams, SMSF, Superannuation, Superannuation Tax

How to Avoid Tax in Australia

How to Avoid Tax in Australia

Jun 19, 2019 | Accessing Superannuation, Blog, Contributing to Super, Retirement Income Streams, Superannuation, Superannuation Tax

There are a number of ways to avoid tax in Australia. Some of them legal, some not-so. Most legal ways of avoiding tax involve you spending money and claiming a tax deduction for spending that money. However, I’m going to show you two ways to avoid tax without...

Low Tax Super Contributions

Jun 18, 2019 | Blog, Contributing to Super, Featured, Superannuation, Superannuation Tax

What are Low Tax Super Contributions? Low Tax Superannuation Contributions are concessional taxed contributions made into a superannuation account. They are most relevant in determining the application of the Division 293 Tax to high-income earners. Low Tax...

Superannuation Tax-Free Component

Jun 5, 2019 | Blog, Featured, Retirement Income Streams, SMSF, Superannuation, Superannuation Tax

The superannuation Tax Free component (aka tax-exempt component) is made up of all after-tax contributions made to superannuation (i.e. Non-Concessional Contributions). A superannuation balance will consist of two main tax components: the Tax Free component and the...

Excess Super Contributions Tax Rules

Jun 3, 2019 | Blog, Contributing to Super, Featured, Superannuation, Superannuation Tax

Excess superannuation contributions tax is payable on contributions that exceed the Non-Concessional Contributions Cap or the Concessional Contributions Cap. The rate of Excess Contributions Tax that is payable on Excess Contributions is dependent on the type of...
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