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When investing for the long term, it is hard to look past the benefits of personal deductible contributions to superannuation. These voluntary super contributions allow you to reduce your personal income tax while building your retirement savings inside a low-tax environment. In this guide, we’ll explain how personal deductible contributions work, who can benefit, and
A spouse contribution involves making a voluntary contribution to your spouse’s superannuation account in return for a tax offset.
For every dollar you contribute to your super (up to $1,000), the government will contribute 50 cents, up to a maximum super co-contribution of $500.
Carry-forward concessional contributions utilise unused cap limits from previous financial years, subject to eligibility criteria.
The transfer balance cap is the maximum amount that can be transitioned from the accumulation phase to retirement phase.
Salary sacrifice to super can be a great strategy to help minimise tax and build your retirement nest egg.
A TTR pension lets you access super while still working, helping you ease into retirement or boost your savings with smart strategies.
Contribution splitting allows individuals to transfer up to 85% of their concessional (before-tax) super contributions to their spouse’s super account.
Accessing superannuation explained — when you can access your super, early release options, and the rules for retirement.
