# Taking the mystery out of salary sacrifice

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1 Hostplus Salary Sacrifice August 2015 Taking the mystery out of salary sacrifice Learn how you can pay less tax, get more super and make a big difference to your future

5 Lowering your taxable income an example John s total salary package of \$78,000, which is made up of \$71,233 salary plus \$6,767 of 9.5% SG contributions from his employer. By salary sacrificing an additional \$80 per week into his super, John reduces his taxable income by \$4,160 each year. The salary sacrifice lets John save \$811 in income tax while boosting his super savings. John s package With NO Salary Sacrifice With \$80 per week Salary Sacrifice Total package \$78,000 \$78, % super contributions \$6,767 \$6,767 Salary before sacrifice \$71,233 \$71,233 Salary sacrifice to super \$0 \$4,160 Taxable income \$71,233 \$67,073 Income tax (including \$16,122 \$14,687 Medicare levy) After tax contribution \$0 \$0 to super Take home pay \$55,111 \$52,386 Total super contributions \$6,767 \$10,927 Super contributions tax \$1,015 \$1,639 Total tax paid \$17,137 \$16,326 Net super contributions \$5,752 \$9,288 Total net salary and \$60,863 \$61,674 net super contributions The table above is calculated using individual income tax rates which apply from 1 July Superannuation Guarantee (SG) contribution requirements SG Contributions are based on pre-salary sacrifice income level. Assumes superannuation guarantee of 9.5% is not reduced by employer as a result of salary sacrifice. After salary sacrifice, income tax is paid on only \$67,073. So income tax is \$1,435 less. Take home pay is \$2,725 less. But the combined value of his pay and super contributions increases by \$811. SALARY SACRIFICE GUIDE 4

8 Right for you? When can you salary sacrifice? You can salary sacrifice if your employer allows salary sacrifice arrangements and you re under 65 years, or if you re over 65 and have been gainfully employed for at least 40 hours in 30 consecutive days during the current financial year. You can only salary sacrifice into an account that s held in your name. You cannot make salary sacrifice contributions on behalf of another person, such as your spouse. Why salary sacrifice isn t for everyone Salary sacrifice works best when your marginal income tax rate is more than 15%. That s because 15% is the rate at which super contributions are taxed. If you re income tax rate is less than 15%, salary sacrifice may not give you an added advantage. In fact, making after-tax super contributions could be better because you may be eligible for a government co-contribution. If you earn less than \$37,000 p.a. you could also qualify for the low income super contribution (LISC) * of up to \$500. For more information about government co-contributions or LISC, visit hostplus.com.au/ coconts or simply call * For the latest information about the LISC, visit the ATO at 7 SALARY SACRIFICE GUIDE

9 Is salary sacrifice right for you? We can explain how salary sacrifice works but only a licensed financial planner can tell you for sure whether salary sacrifice is the right strategy for you. As a Hostplus member, you re entitled to a free fact-finding consultation with a financial planner who is not paid by commission. This means the advice you receive is always in your best interests. So why not make the most of this opportunity to get a better understanding of your super? Take up your complimentary appointment today by calling us on SALARY SACRIFICE GUIDE 8

10 Next steps Getting started is simple If you ve decided salary sacrifice is the best way for you to meet your super goals, here are four easy steps to getting started. Step 1: Talk to your payroll officer about whether your employer allows salary sacrifice. Step 2: Understand whether the salary sacrifice arrangement will affect your other benefits such as overtime, leave loadings and Superannuation Guarantee contributions. Step 3: Decide how much you would like to salary sacrifice. Step 4: Complete the Salary sacrifice form at the back of this guide and hand it to your payroll officer. 9 SALARY SACRIFICE GUIDE

11 Salary sacrifice form August 2015 It s easy. Just ask your employer if they offer salary sacrifice, then complete this form and hand it to your payroll officer. Fund: Hostplus Superannuation Plan OFFICE USE ONLY 705 Step 1 Provide your personal details Hostplus membership number Please tick appropriate box Mr Mrs Miss Ms Other Please specify Given name(s) Surname Address Suburb State Postcode Telephone number Mobile number Date of birth / / Step 2 Set up your salary sacrifice Please start making salary sacrifice contributions to Hostplus of: Each \$ week fortnight month,. (15% contributions tax will be deducted from this amount) From first pay period after / /

12 Step 3 Sign the declaration I understand and acknowledge that: while my employer pays such contributions the salary otherwise payable to me will be reduced by the amount of the contributions. salary sacrifice can only apply to future remuneration or service. the contributions will be treated as employer contributions for tax purposes and a contributions tax of 15% on contributions will be payable when they are received by Hostplus. the benefit resulting from these contributions: will not be treated as non-concessional contributions and may attract further taxes when paid as a benefit, will be subject to Federal Government preservation requirements, and will count towards my contributions cap. the salary sacrifice arrangement will continue in force until I advise my employer in writing of any change or cancellation. the contributions will be invested in Hostplus in accordance with my chosen investment option if applicable. it s my responsibility to obtain financial advice from a licenced advisor before agreeing to salary sacrifice. Signature Date / / EMPLOYER USE ONLY Date received / / Effective from pay period / / Employee/Payroll number This salary sacrifice form is accepted and confirmed as the agreement between the employer and employee. The contributions deducted by the employer will be remitted to Hostplus within 28 days after the end of the month in which they were deducted. Authorised signature for employer Date / / Employer stamp On completion, please retain this form and place a copy on the employee s personnel file. Don t send this form to Hostplus. Issued by Host-Plus Pty Limited ABN , ASFL No , RSEL No. L , RSE No. R , MySuper No

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14 Salary sacrifice guide Postal address Hostplus Locked Bag 3 Carlton South VIC 3053 Phone Fax Visit hostplus.com.au Issued by Host-Plus Pty Limited ABN , Australian Financial Services Licence No , Registrable Superannuation Entity Licence No. L , Registrable Superannuation Entity No. R , MySuper No super + pension + insurance + education + advice + extras /15

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