1 Maximise your superannuation & tax benefits Strategies for 30 June 2010
2 Like my old mate Kerry Packer used to say, "Pay your tax, but don't tip them. they're not doing that good a job. Paul Hogan 60 Minutes interview, July 2008
3 Key benefits of investing in super Pay less tax on investment earnings Outside super Inside super Up to 46.5% 1 0% to max 15% 1 Includes a Medicare levy of 1.5%.
4 Agenda Government co-contributions Spouse super contributions Super contributions splitting Pre-paid interest Personal super contributions (concessional contributions) Salary sacrifice Pre-retirement pension Insurance in super
5 Receive a government co-contribution Up to $1,000 extra in your super The strategy Make non-concessional contributions and qualify for additional contribution directly from the Government.
6 Receive the government co-contribution An example Ryan is aged 40, he earns $38,000 per year decides to contribute $1,000 after tax to super works to age 60 his wages only increase in line with inflation Lets look at the outcomes
7 The benefits of co-contribution over 20 years $100,000 $80,000 $81,643 + $39,830 $60,000 $40,000 $41,813 $20,000 $0 Without strategy $1,000 pa invested outside super (no contribution) With strategy $1,000 pa Invested in super (includes co-contribution) Assumptions A 20 year comparison based on an after tax investment of $1,000 patotal pre-tax return of 8% pa (split 3.5% income and 4.5% growth). Investment income is franked at 30%. All values are after income tax (at 15% in super and 31.5% outside super) and CGT (including discounting). Note: Ryan pays no lump sum tax on his super benefits in 20 years as he will be aged 60.
8 Agenda Government co-contributions Spouse super contributions Super contributions splitting Pre-paid interest Personal super contributions (concessional contributions) Salary sacrifice Pre-retirement pension Insurance in super
9 Spouse super contributions Reduce your tax by up to $540 The strategy Receive a tax rebate of up to $540 by making a contribution of up to $3,000 to your spouse s super fund if their income* is less than $13,800. Assessable income + reportable fringe benefits + reportable employer super contributions
10 Spouse super contributions An example Mr Smith contributes an amount of $3,000 as an eligible spouse contribution for Mrs Smith. Mrs Smith's assessable income in the year the contribution is made is $12,000. The maximum rebatable contribution is: $3,000 - ($12,000 - $10,800) = $1,800 The rebate Mr Smith can claim is 18% x $1,800 = $324 Mr Smith need only contribute $1,800 to receive this rebate
11 Agenda Government co-contributions Spouse super contributions Super contributions splitting Pre-paid interest Personal super contributions (concessional contributions) Salary sacrifice Pre-retirement pension
12 Spouse super contribution splitting access your super earlier with lower tax The strategy Split certain superannuation contributions into your spouse s superannuation account
13 Spouse super contributions An example Jill is 55 and Jack is 50 Jack splits his taxable contribution to Jill Jack s taxable contributions are $50,000 pa for 2 years and then $25,000 for 3 years 85% of these amounts are transferred to Jill annually At 60 Jill will have an extra $183,000 in her super account She will commence a pension at 60 $10,000 pa
14 Results (over 5 years from retirement) $50,000 $41,175 $50,000 + $8,250 $40,000 $30,000 $20,000 $10,000 $0 Without strategy Jack s net pension With strategy Jill s net pension Assumptions: Jack s marginal tax rate is 31.5%, pension commenced only with amount that would arise from split contributions. Jill is age 60. The same pension amount is received each year for 5 years until Jack is age 60.
15 Agenda Government co-contributions Spouse super contributions Super contributions splitting Pre-paid interest Personal super contributions (concessional contributions) Salary sacrifice Pre-retirement pension Insurance in super
16 Pre-paid interest reduce your tax The strategy Pre-pay the interest on your investment loan before 30 June for the next 12 months and you may be able to claim a tax deduction for that interest in your current year s income tax return
17 Pre-paid interest An example Paul is about to invest in an investment portfolio which will generate him $13,000 income next year. He will borrow $100,000 loan to fund part of his investment portfolio. The loan interest is payable at 8 per cent pa
18 Result (personal tax payable in 2009/10) $20,000 $18,420 $15,900 $16,000 - $2,520 $12,000 $8,000 $4,000 $0 Without strategy Without deduction With strategy With deduction Assumptions: Paul pays 12 months interest before 30 June. Marginal tax rate 31.5%. No investment income received in that year
19 Agenda Government co-contributions Spouse super contributions Super contributions splitting Pre-paid interest Personal super contributions (concessional contributions) Salary sacrifice Pre-retirement pension Insurance in super
20 Personal concessional contribution increase your retirement savings and reduce your tax The strategy Make a personal concessional contribution to super and claim a tax deduction
21 Personal concessional contributions an example Lisa is 42 years of age and self employed taxable income of $90,000 share portfolio worth $50,000 has an unrealised net capital gain of $10,000 contributes the share portfolio to her super fund
22 Results (after 20 years) $300,000 $199,421 $255,127 $240,000 + $55,706 $180,000 $120,000 $60,0000 $0 Without strategy Invested outside super With strategy Invested in super Assumptions: A 20 year comparison based on total pre-tax return of 8% pa (split 3.5% income and 4.5% growth). Investment income is franked at 75%. All values are after income tax (at 15% in super and 39.5% outside super) and CGT (including discounting). Note: no lump sum tax is payable on the super investment as Kate will be 63 at the end of the investment period.
23 Agenda Government co-contributions Spouse super contributions Super contributions splitting Pre-paid interest Personal super contributions (concessional contributions) Salary sacrifice Pre-retirement pension Insurance in super
24 Salary sacrifice to superannuation- increase your retirement savings and reduce your tax The strategy Salary sacrificing involves sacrificing part of your cash salary for the provision of other benefits.
25 Salary sacrifice to superannuation An example William (45) is currently employed on a salary of $80,000 and is about to receive a $5,000 pa salary increase. William is considering salary sacrificing an this additional $5,000 of salary to super. Lets look at the different outcomes if he invested the net of tax amount Lets look at the different outcomes if he invested the net of tax amount inside or outside super.
26 Results (after 20 years) $200,000 $120,018 $198,047 $160,000 + $78,029 $120,000 $80,000 $40,000 $0 Without strategy Non-super With strategy Super Assumptions:. A 20 year comparison based on $5,000 of pre-tax salary. Both the super and non-super investments earn a total pre-tax return of 8% pa (split 3.5% income and 4.5% growth). Investment income is franked at 30%. All values are after income tax (at 15% in super and 39.5% outside super) and CGT (including discounting). Note: no lump sum tax is payable on the super investment as William will be 65 at the end of the investment period.
27 Agenda Government co-contributions Spouse super contributions Super contributions splitting Pre-paid interest Personal super contributions (concessional contributions) Salary sacrifice Transition to retirement (Pre-retirement pension) Insurance in super
28 Transition to retirement pension grow your super The strategy If you are employed or self-employed and you ve reached your preservation age you can access your superannuation through a pre-retirement pension (or transition to retirement pension ). At the same time you can salary sacrifice additional funds to superannuation.
29 How strategy works Reduce pre-tax income Make salary sacrifice or personal deductible contributions Super fund Use super to start transition to retirement pension (TRP) Maintain after-tax income Draw tax-effective income payments TRP
30 Case study transition to retirement Craig is 55 years of age Earns pre-tax salary of $90, % SG contributions Has $300,000 in super Wants to retire in 10 years Would like to maintain his current lifestyle Invests entire super balance of $300,000 in TRP Elects to receive max. income from TRP, which is $30,000 in year one Sacrifices $37,438 into his super fund
31 Craig s income and tax position In year one Pre-tax salary Plus TRP income Before strategy $90,000 Nil After strategy $52,562 $30,000 Less tax payable 1 ($23,000) After-tax income $67,000 ($15,562) $67,000 1 Includes the Medicare levy.
32 Impact on Craig s savings (year 1) He invests more in super than he withdraws from TRP Retirement savings + $1,822 Salary sacrifice $37,438 Less 15% tax ($5,616) $31,822 Pension income $30,000 Also, no tax on earnings in TRP vs 15% tax in super
33 Results (after 10 years) $1,000,000 $800,000 $729,683 $823,185 + $93,502 $600,000 $400,000 $200,000 $0 Without strategy (super only) With strategy (super + TRP) Assumptions: Craig s super balance of $300,000 consists entirely of the taxable component. He continues to receive 9% SG contributions based on his package of $90,000 pa, even after he makes salary sacrifice super contributions. He commenced the strategy on 1 July Both the super and TRP investment earn a total pre-tax return of 8% pa (split 3.5% income and 4.5% growth). Investment income is franked at 30%. Salary doesn t change over the 10 year period. From age 60, Craig s adviser recommends he commute and repurchase the TRP each year and invest any surplus income in super as a non-concessional contribution. All values are after CGT (including discounting).
34 Agenda Government co-contributions Spouse super contributions Super contributions splitting Pre-paid interest Personal super contributions (concessional contributions) Salary sacrifice Transition to retirement (Pre-retirement pension) Insurance in super
35 Insurance in super reduce the cost of your insurance Hold life and TPD insurance in super Fund the cost through either salary sacrifice or personal deductible contributions Premiums are effectively paid from pre-tax income in super and post tax outside Your fund may be able to still pay the premiums if you have cash flow problems
36 Case study insurance in super Jack is 45 and earns $90,000 pa $700,000 of insurance has been recommended The annual premium is $827 His employer allows salary sacrifice and his super fund will hold the His employer allows salary sacrifice and his super fund will hold the insurance
37 Results (net of tax cost of insurance) $1,000 $827 $500 $800 $600 - $327 $400 $200 $0 Without strategy Paid personally With strategy Paid in super Assumptions: Marginal tax rate 39.5%. Super fund can claim deduction for premiums which are funded via a pre-tax contribution (salary sacrifice). Premium based on MLC Limited standard rates for a an age 45 non-smoker as at January
38 Please sir can I have some more? Annual Income % Less than $12,950 $12,951 - $20, % 83.5% $20,751 - $51, $51,951 - $67,550 $67,551 - $83,150 More than $83, % Source: ABS Census Data 2006 Note: 11.5% of those aged over 65 declined to list any income.
39 Investment value - Where does it come from? Accumulate Consume Retirement Appropriate Advice/Strategy $$$$ Wealth Protection Asset Allocation Investment Vehicle Now Death
40 Equities are investments in real companies
41 Average Annual Compound Returns (1900 Dec 2009) Average Annual Compound Returns ( ) Years ending Dec % 10.0% 8.0% 6.0% 4.0% 2.0% 0.0% Australian Equity Global Unhedged Equity Global Hedged Equity Australian Bonds Global Bonds Hedged Australian Cash Source: Calculated by MLCIM using data presented in DMS Data Module offered through the Morningstar software program EnCorr. Based on copyrighted books by Dimson, Marsh, and Staunton, Triumph of the Optimists, Princeton University Press, (c) 2002, and Global Investment Returns Yearbook 2003, ABN AMRO/London Business School (c) All rights reserved. Used with permission.
42 REAL Average Annual Compound Returns (1900 Dec 2009) Average Annual Compound Returns ( ) Years ending Dec % 10.0% 8.0% 6.0% 4.0% 2.0% 0.0% Australian Equity Global Unhedged Equity Global Hedged Equity Australian Bonds Global Bonds Hedged Australian Cash Source: Calculated by MLCIM using data presented in DMS Data Module offered through the Morningstar software program EnCorr. Based on copyrighted books by Dimson, Marsh, and Staunton, Triumph of the Optimists, Princeton University Press, (c) 2002, and Global Investment Returns Yearbook 2003, ABN AMRO/London Business School (c) All rights reserved. Used with permission.
43 Annual returns (calendar year) of Australian shares % 60% Why didn t I put more money in? 40% 20% 0% -20% -40% Why did I put money in? -60%
45 Income & Capital Return on Investment of $100,000 in December 1979 Income $90,000 $80,000 $70,000 $60,000 $50,000 $40,000 $30,000 $20,000 $10,000 $ Year ended 31 December Capital Value $2,000,000 $1,800,000 $1,600,000 $1,400,000 $1,200,000 $1,000,000 $800,000 $600,000 $400,000 $200,000 $0 Term Deposits - Interest Term Deposits - Capital Value Industrial Index - Dividends Industrials Index - Capital Value Refer to the appendix for notes on the data
Smart strategies for maximising retirement income 2012/13 Why you need to create a life long income Australia has one of the highest life expectancies in the world and the average retirement length has
Smart strategies for maximising retirement income 2010 Why you need to create a life-long income Australia has one of the highest life expectancies in the world and the average retirement length has increased
Making the Most of Your Super For many people, super is one of the best ways to accumulate wealth. The Government provides tax benefits to encourage people to fund their own retirement. With more Australians
CLIENT FACT SHEET July 2010 Understanding superannuation and superannuation contributions Superannuation is an investment vehicle designed to assist Australians in saving for their retirement. The Government
End of financial year planning tips May 2014 With the end of the financial year fast approaching, it is a good time to review financial planning strategies with a view to optimising your outcomes. This
Some proven financial advice strategies There are numerous key financial advice strategies that may put you on the road to achieving your financial goals Debt Management Debt consolidation can lower repayments
The benefits of insuring through super Macquarie Life While your clients are accumulating wealth, they also need to ensure adequate insurance cover is in place so they and their families are looked after
The 10% test strategies, tips and traps! Overview Making personal superannuation contributions continues to be a tax effective way for some individuals to save for their retirement. In order to benefit,
Are you ready to become part of Australia s largest superannuation pool? This information is a summary based on Hayes Knight's understanding of the relevant legislation. It is general in nature and may
Understanding Superannuation Client Fact Sheet July 2012 Superannuation is an investment vehicle designed to assist Australians save for retirement. The Federal Government encourages saving through superannuation
YOUR SUPER Freelancers, the self-employed & super. If you are self-employed or a freelance or contract worker Media Super can help you understand your super and tax options, and what you can do to maximise
SUPERANNUATION Home Insurance Super fundamentals Foundations for your future As one of your most important financial investments, it s worth understanding how superannuation works. For many Australians,
SUPERANNUATION Home Insurance Super fundamentals Foundations for your future As one of your most important financial investments, it s worth understanding how superannuation works. For many Australians,
TAX TUTOR INSIDE IS YOUR TAX GUIDE FOR 2013-2014 PERSONAL TAX PERSONAL INCOME TAX RATES 2013-2014 & 2012-2013 Taxable Income $0 - $18,200 Nil Tax Payable $18,201 - $37,000 19% of excess over $18,200 $37,001
Super Strategies. 15 ways to retire with more. FOURTH EDITION, FEBRUARY 2011 1 The Retirement Revolution. This book has been written to help you understand the key changes for superannuation and provide
Building and protecting your wealth the tax effective way Strategies guide 2014/2015 The lead up to End of Financial Year (EOFY) provides a good opportunity to review your wealth creation plans. At this
SUMMARY OF RATES AND THRESHOLDS 2015/16 CONTENTS Superannuation rates and thresholds Concessional contributions Non-concessional contributions Capital Gains Tax (CGT) cap amount Untaxed plan cap amount
Superannuation Tips and Traps Kim Guest / Tim Sanderson March 2014 Disclaimer This presentation is given by a representative of Colonial First State Investments Limited AFS Licence 232468, ABN 98 002 348
Your guide to super smart strategies. What you ll find in this guide Learn more about super and discover how the super smart strategies can help you to grow your wealth, make the most of your super and
Tax planning reminders for 30 June 2012 Keep your receipts!... 1 Government Co-contributions... 1 Personal deductible contributions... 3 Split super with your spouse... 3 Employer Superannuation Contributions...
Lump Sum My Retirement General advice warning The schemes administered by Super SA are exempt public sector schemes and therefore we are not required to hold an Australian Financial Services licence to
Career transition guide We empower you. westernpacific.com.au Contents Introduction 3 Coming to terms with redundancy 3 Assessing your financial position 4 Securing employer payments 5 Redundancy and your
Booklet 1 Getting the best out of your superannuation savings MAStech Smart technical solutions made simple Contents Introduction 01 Introduction 03 Saving through super 08 How a super fund works 09 How
Guide for notice of intent to claim a tax deduction for personal super contributions 2014/2015 Under section 290-170 of the Income Tax Assessment Act 1997 Need Help? For more information about your eligibility
MLC Insurance How to make your insurance more affordable Insurance could be more affordable than you think Research has shown Australians are worryingly underinsured. 1 One reason is many people under-estimate
This section summarises the main Federal Government taxes that apply to superannuation at the time of preparation. For more information, contact MyLife MySuper on 1300 MYLIFE (695 433) or the Australian
AustChoice Super general reference guide (ACH.02) Issued: 28 May 2015 This guide contains important information not included in the AustChoice Super PDS. We recommend you read this entire guide. The information
Financial Services with a Personal Touch CONCESSIONAL CONTRIBUTIONS CAP Concessional contributions include: employer contributions (including contributions made under a salary sacrifice arrangement) personal
Australia Group Superannuation Fund Your Super Guide Product Disclosure Statement 15 December 2014 Nestlé Super Insured Accumulation category Contents 1 About Nestlé Super p2 2 How super works p2 3 Benefits
It pays to belong TM Key Focus A tax of 15% applies to concessional (i.e. before tax) contributions. All employer and salary sacrifice contributions will be taxed at the top marginal rate if your super
2014/15 Key Superannuation Rates and Thresholds These are the key rates and thresholds that apply in relation to superannuation contributions and benefits, superannuation guarantee and co-contributions.
Current Issues in Superannuation A member perspective This presentation has been prepared without taking into account any of your objectives, financial situation or needs. You must therefore assess whether
RETIREMENT November 2012 Put your clients on the TTR track Adviser guide to transition to retirement strategies About OnePath OnePath is one of Australia s leading providers of wealth, insurance and advice
Issued 12 Salary December 10 Sacrifice Salary Sacrifice Issued September 2015 Grow your super and pay less tax What is salary sacrifice? Salary sacrifice is an arrangement with your employer to pay part
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 Welcome Thinking about how you can
How super is taxed Date of issue: 1 July 2015 mtaasuper.com.audate Phone: 1300December 362 415 2014 Fax: 1300 365 142 of issue: The information in this document forms part of the Product Disclosure Statement
General reference guide (TPS.01) Issued: 1 July 2015 The Portfolio Service Super Essentials The Portfolio Service Superannuation Plan The Portfolio Service Retirement Income Plan This guide contains important
Everything you need to get the most from your super Product Disclosure Statement 31 October 2011 Issued by Host-Plus Pty Limited ABN 79 008 634 704, AFSL No. 244392 as trustee for the HOSTPLUS Superannuation
SMSF Facts Sheet July 2015 Key Superannuation Rates and Thresholds - 2015/16 Contributions The tables below contain the amounts of concessional and non-concessional contributions you may make to your superannuation
SALARY PACKAGING SUPERANNUATION GUIDE TO EMPLOYEES Superannuation Introducing Salary Packaging Salary packaging has been made available to all staff of the University through the Enterprise Agreement process.
Tax deductible superannuation contributions TB 35 TECHNICAL SERVICES ISSUED ON 29 OCTOBER 2014 ADVISER USE ONLY VERSION 1.1 Summary Employers and certain individuals can claim a tax deduction for contributions
Financial planning strategies insurance bonds Produced by IOOF Technical Advice Solutions Adviser use only not for distribution to clients This brochure has been issued by IOOF Investment Management Limited,
Contributing to super July 2016 Superannuation is arguably the most tax-effective way to save for your retirement, as s and withdrawals are taxed at a concessional rate. But with so much jargon about the
Product Disclosure Statement MYSUPER AUTHORISATION NUMBER 72229227691044 1 July 2014 NESS Super, the industry fund to power your financial future inside 1 About NESS Super 2 2 How super works 2 3 Benefits
Questions with Guided Answers by Graeme Colley 2013 Reed International Books Australia Pty Limited trading as LexisNexis. Permission to download and make copies for classroom use is granted. Reproducing
Understanding superannuation Version 5.0 This document provides some additional information to help you understand the financial planning concepts discussed in the SOA in relation to superannuation. This
Product Disclosure Statement Prepared and issued 15 June 2015 CONTENTS 1. About QIEC Super 2. How super works 3. Benefits of investing with QIEC Super 4. Risks of super 5. How we invest your money 6. Fees
Fact Sheet Super taxes, caps, payments, thresholds and rebates This fact sheet provides a useful one-stop reference guide to the tax rates, caps, thresholds and rebates that apply or are related to superannuation
How super is taxed guide (AP.4) Issued 1 January 2016 The information in this document forms part of the ESSSuper Accumulation Plan Product Disclosure Statement dated 1 January 2016. Contents Providing
Transition to retirement Getting ready for retirement The changing face of retirement Retirement used to represent a sharp break with the past one day you were working full-time, the next you were sitting
Is your SMSF working to its full potential? Right Strategy. Right Time. While managing your own super provides investment flexibility and control, the biggest challenge is ensuring the decisions you make
The tips below will assist you in your end of year income and tax planning strategies. These tips are not meant to be exhaustive nor applicable to each and every individual taxpayer. Further you should
Insurance through super strategies For advisers Inside super or outside super? Insurance is quite often held within super because the premiums can be paid from accumulated super balances or employer contributions.
SELF MANAGED SUPERANNUATION Position Yourself INFORMATION PACK INFORMATION PACK SELF MANAGED SUPERANNUATION FUNDS SMSF INFORMATION SHEET MAKING THE MOST OF YOUR SUPERANNUATION Self Managed Superannuation
MLC MasterKey Super & Pension Fundamentals MLC MasterKey Super & Pension How to Guide Preparation date 1 July 2015 Issued by The Trustee, MLC Nominees Pty Limited (MLC) ABN 93 002 814 959 AFSL 230702 The
SUP E R ANNUATION Contributing to your super GESB Super and West State Super ISSUE DATE: 1 July 2015 PREPARATION DATE: 26 June 2015 Government Employees Superannuation Board ABN 43 418 292 917 Contents
Taxpayers Australia Inc Superannuation Australia (A wholly owned subsidiary of Taxpayers Australia Inc) Glossary of superannuation terms These terms are commonly used in the superannuation sector. Account-based
Home Insurance OneAnswer Reach your financial goals sooner About OnePath OnePath is one of Australia s leading providers of wealth, insurance and advice solutions. We have been helping Australians grow
Your guide to RETIREMENT PLANNING I VE BEEN TRANSITIONING TO RETIREMENT FOR FOUR YEARS. IT GIVES ME TAX SAVINGS AND ACCESS TO EXTRA CASH. DANIEL CLIFFORD, COMBINED SUPER MEMBER Contents > Plan your retirement
The Executive Superannuation Fund Agenda Overview of The Executive Superannuation Fund ( the Fund ) Contributions ti and insurance benefits available to KPMG staff Investment option asset allocation Investment
Contributions Things you should know about making contributions to your SMSF BROUGHT TO YOU BY CONTENTS Non Concessional Contributions: Aged Under 65... 2 Non Concessional Contributions: Aged 65 to 74...
Year-end Tax Planning Guide - 30 The end of the financial year is fast approaching. In the lead up to 30 June, this newsletter covers some of the year-end tax planning matters for your consideration. BUSINESSES
Booklet 2 Superannuation: dealing with life s changes MAStech Smart technical solutions made simple Contents Introduction 01 Introduction 03 Accessing your superannuation benefits 04 Conditions of release
Using debt effectively Smart strategies for 2015 2016 William Shakespeare wrote, Neither a borrower nor a lender be, but the fact is debt can be a very useful tool when used properly. Contents The value
RETIREMENT Transition to retirement OneAnswer offers you the opportunity to ease into retirement using a transition to retirement pension, which allows you to maintain your current level of income whilst
MB09 04/12 Taxation of lump sums What you need to know Under current tax law both, your Employer and Member Benefits may be subject to tax if withdrawn as either a rollover or cash lump sum. The only exception
RETIREMENT Home Insurance Get on the TTR track How to transition to retirement tax-effectively Everyone s idea of the perfect retirement lifestyle is different. But whatever your goals, you want to make
Bridges Financial advice makes a difference Financial advice makes a difference Advice from a Bridges financial planner will help you have confidence in the decisions you make. Financial advice makes a
Understanding tax Version 5.0 This document provides some additional information to help you understand the financial planning concepts discussed in the SOA in relation to tax. This document has been published
Planning for retirement 1 Disclaimer This presentation contains general advice current as at April 2016 and has been prepared without taking account of your objectives, financial situation or needs. Before
How super is taxed VicSuper FutureSaver Member Guide Date prepared 1 July 2015 The information in this document forms part of the VicSuper FutureSaver Product Disclosure Statement (PDS) dated 1 July 2015.
Retirement Income Allocated Pension Information sheet S U P E R A N N U AT I O N This information sheet is intended to provide an overview of the key features and benefits of the Retirement Income Allocated
Member guide. Superannuation and Personal Super Plan Product Disclosure Statement The information in this document forms part of the Hostplus Product Disclosure Statement issued Section 7. How super is
Smart strategies for protecting you and your family 2010 What are the facts? Did you know, 60% of Australian families with dependants will run out of money within 12 months if the main income earner dies
Home Ownership and Superannuation White Paper This paper contains general advice about our superannuation products and has been prepared without taking account of your objectives, financial situation or
Super income stream strategies webinar Presented by: Brett Ricchini, Financial Advisor, 2 December 2014 Create your retirement plan Maximise your Super Income Stream to fund your future lifestyle aspirations
How super works VicSuper FutureSaver Member Guide Date prepared 1 July 2015 The information in this document forms part of the VicSuper FutureSaver Product Disclosure Statement (PDS) dated 1 July 2015.
Make sure your SMSF is. Super decisions You know first-hand that one of the biggest advantages of managing your own super is that you make the decisions. It s one of the main reasons you have an SMSF or
> Get calculating! If you d like to see the effect that personal contributions may have on your final entitlement, access the Super SA Benefit Projector on the Super SA website www.supersa.sa.gov.au. The
Hughes Forbes Financial Services AFSL 323719 Financial Planning 101 P R E S E N T E D BY F A B I A N P O S T I G L I O N I M a y 2 0 1 2 Disclaimer 2 This material is not intended to constitute personal
KPMG Staff Superannuation Plan Product Disclosure Statement Prepared: 27 June 2014 Things you should know: This Product Disclosure Statement ( PDS ) is a summary of significant information and contains