Can I Borrow Against My Super?
Are you considering borrowing against your super? What does borrowing against your super mean and how does it work? If you want to borrow against your super, it means that you want to use your super as security for a loan. You are effectively saying to a bank or...SMSF Pension Phase
SMSF pension phase refers to the mode that some or all of your superannuation savings are held in. There are two phases within a self managed superannuation fund (SMSF) (or any superannuation fund for that matter). These two phases are ‘pension phase’ and...Establishing Whether Gainful Employment Has Ceased
Establishing whether gainful employment has ceased is very important in superannuation retirement rules and determining whether superannuation can be accessed. This determination is particularly important for the definitions of ‘retirement’ for...What is Superannuation?
What is Superannuation? Superannuation is a vehicle saving for retirement in a tax-effective manner. Superannuation is Australia’s own little ‘tax haven’. This is place to build up savings for retirement in a tax effective way. All income and capital...
Pooled vs Segregated Assets SMSF
Pooled vs segregated assets refer to the investment strategy of a self managed superannuation fund (SMSF). A self managed superannuation fund is a specific type of super fund that has fewer than five members. Generally, all members of a SMSF are trustees of the SMSF,...Lapsing Binding Death Benefit Nomination
A lapsing binding death benefit nomination is a super nomination that has an expiry date. There are various death benefit nominations you can make. Generally, a non-binding nomination will be non-lapsing. A binding nomination can be lapsing or non-lapsing. The type of...Accumulation Phase Tax
Accumulation phase tax relates to the tax rate levied on earnings and contributions made to a superannuation accumulation account. Accumulation phase tax is paid by the super fund itself and effectively deducted from the relevant member’s balance. The tax rate...Can I Access My Super At 55 And Still Work?
This article addresses whether you are able to access your superannuation savings at age 55 and still continue to work. It will also explain how much tax might be payable and when you can access your super tax free. You may have heard of people in your workplace or...
Born in 1960s: When Can I Retire In Australia?
If you are an Australian born in the 1960s, and wondering when you can retire, then you have come to the right place. Everything here is groovy my little flower child. Your afro is long-gone and you’ve replaced your bell-bottoms with cargos and crocs; but now...
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