A DIFFERENT KIND OF WEALTH MANAGEMENT FIRM. Superannuation 101. Everything you always wanted to know but were too afraid to ask

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1 A DIFFERENT KIND OF WEALTH MANAGEMENT FIRM Superannuation 101 Everything you always wanted to know but were too afraid to ask

2 What is Superannuation? Superannuation 101 Contents What is Superannuation? 3 How is Superannuation invested? 4 What investment options do I have for my Superannuation? 5 How much Superannuation do I need? 7 What is choice of Super? 8 How do I consolidate my Superannuation? 9 Which Superannuation fund is the best? 10 How do I find Lost Super? 11 How do I review the performance of my Superannuation fund? 12 How do I build my Superannuation account? 13 What about a self managed Superannuation fund? 14 When can I access my Superannuation? 16 What about insurance in Superannuation? 17 Superannuation and estate planning 18 Contact information 20

3 What is Superannuation? Superannuation is one of the best ways to save for retirement. By investing for the long term in a tax effective environment you can build substantial wealth for your retirement years. Superannuation or super, is a simply a structure that is specifically designed to accumulate and later pay retirement benefits. The maximum tax you may pay on your income is up to 46.5%, whereas the maximum tax rate in super is 15% (see chart below). If you are employed you will receive compulsory superannuation guarantee payments (SG payments) from your employer at the current rate of 9% of your salary. These SG payments must be paid directly into a superannuation fund. Superannuation assets must be held in the super structure until you retire, or meet a condition of release, at which time you will be able to access these savings to fund your retirement. Did you know? Superannuation was introduced in Australia in 1992, as a way to encourage individuals to take control of their own retirement savings. It is now one of the largest compulsory retirement schemes in the world. Australian Treasury experts expect the pool of super savings to grow to $6 trillion by Which Tax Rate Do You Prefer? Tax Assessable Income Investment Structures Personal Name Company Superannuation Superannuation (Accumulation Phase) (Pension Phase) Income 46.50% 30% 15% Nil Short Term Capital Gains 46.50% 30% 15% Nil Long Term Capital Gains 23.25% 30% 10% Nil How much tax is payable on $1,000 in income? $460 $300 $150 $0 Amount left after tax $540 $700 $850 $1,000 JAS Wealth: Superannuation 101 3

4 How is Superannuation invested? Superannuation monies must be invested in assets for the purposes of growing your balance for retirement. Superannuation money can be invested in a range of different asset classes, such as: Cash; Bonds; Shares; Property; Alternatives. Cash and bonds, are described as defensive assets because they will tend to be less volatile, but will generally provide the lowest return over the long term. Shares, property and alternatives are described as growth assets and tend to be more volatile, but will generally provide a higher return than defensive assets over the long term. When saving for retirement, it is important to recognise that your investment time frame is long term. For this reason many experts suggest it is important to invest in an appropriate level of growth assets within a superannuation fund. Upon approaching retirement, your investment timeframe becomes shorter and your tolerance of fluctuations in the value of your investment capital may become lower. Taking this into account, many investors shift the allocation of their assets towards defensive asset classes ( cash and bonds), opting of a lower return with less volatility. Got a question or like to know more? To find out which investments best suit your personal profile contact us on and book an appointment or visit our website and book online. JAS Wealth: Superannuation 101 4

5 What investment options do I have for my Superannuation? Superannuation funds usually have a range of different investment portfolio options for you to choose from. The typical investment options are as follows: Cash; Defensive; Moderate; Balanced; Growth; High Growth. The cash option is essentially making the choice to invest your assets in cash, because you do not want to take any risk of losing any of your funds. While investing all your funds in cash may seem like a safe option, it is unlikely that the returns you receive will mean that you will be able to meet your retirement requirement. A high growth investment option on the other hand means that you are investing more of your funds in assets that are expected to grow more than cash. With the chance of higher returns comes that chance that you will experience higher fluctuations in your superannuation balance from year to year and you may lose money. Over time it is expected that the high growth portfolio will provide the highest return, which may mean you can meet your retirement goal sooner. The best way to view the different investment options is in relation to your age, using an aged based investment philosophy. When you are young, take more risk because you have time to complete a full market cycle (of good returns and bad returns) and will hopefully end up with a higher average return over the long term. As you near retirement you should be taking less risk on your portfolio, because you no longer have time to recoup potential bad years, therefore you should be using a more defensive investment option. Please refer to chart: Asset allocation percentage according to age (Page 6) JAS Wealth: Superannuation 101 5

6 Asset allocation percentage according to age AGE High Growth AGE Growth AGE Balanced 13.5 AGE Moderate Australian cash 13.5 AGE 65+ Defensive Diversified fixed interest Australian shares International shares Property and infrastructure Alternatives 42 JAS Wealth: Superannuation 101 6

7 How much superannuation do I need? The amount you need in superannuation when you retire is best calculated by working backwards You should consider how much money you require to fund your living expenses in retirement. For example let s say this figure is $60,000. Work out whether you want to be drawing down on your capital over time or you would prefer to only live off the income. We find most clients want to live off the income only. Work out an achievable return requirement for your investments in retirement. In this case we will use 5% after costs and inflation. To generate a return of $60,000 p.a. in retirement, without drawing on capital you will need a superannuation balance of $1,200,000, assuming you can generate 5% return on capital after costs and inflation. Return after costs & inflation How much do you want per year in retirement? $30,000 $40,000 $50,000 $60,000 $70,000 $80,000 3% $1,000,000 $1,333,333 $1,666,667 $2,000,000 $2,333,333 $2,666,667 4% $750,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 5% $600,000 $800,000 $1,000,000 $1,200,000 $1,400,000 $1,600,000 6% $500,000 $666,667 $833,333 $1,000,000 $1,166,667 $1,333,333 7% $428,571 $571,429 $714,286 $857,143 $1,000,000 $1,142,857 Note: If you are prepared to draw down on your capital balance over time you will need less of a starting superannuation balance to generate the same annual income requirement. Be aware that if you live longer than anticipated you may run out of money. JAS Wealth: Superannuation 101 7

8 What is choice of Super? Most employers will have a default superannuation fund, which you are encouraged to sign up to when you start work. Recognising that changing jobs was resulting in individuals having multiple superannuation funds, the Government introduced choice of super. Choice of super means that instead of signing up for a new superannuation fund when you start a new job, you can provide the details of your current superannuation fund to your employer and they can make payments into that fund. In addition if you don t like your current superannuation fund you have the choice to select another one. Steps to Make a Choice of Super 1 Locate and download the ATO standard choice form. 2 Complete the Form and provide it to your employer. standard choice form ato Google Print NAT Find the Choice of Super form by typing standard choice form ato into Google; Note: Some employers still do not have choice of super however this is becoming less common. JAS Wealth: Superannuation 101 8

9 How do I consolidate my Superannuation? If you have had more than one job in your life then chances are you have had more than one superannuation fund. While you are allowed to have multiple superannuation funds, you only need one. In fact it makes sense to consolidate your superannuation into one fund as this will make it easier to manage and ensure that fees do not erode any of your smaller superannuation accounts. The best way to consolidate your superannuation funds is as follows: 1 Indentify which superannuation fund you want to use going forward; Download and complete the ATO 2 3 portability form. Send this form to the superannuation fund you want to use going forward. ato portability form Google NAT Find the ATO portability form by typing ato portability form into Google. Note: Once you transfer your superannuation out of an existing superannuation fund you will lose any benefits you had as part of this account and it will be closed. The most common benefit that super accounts will have is insurance cover, which you may not be able to replace in your new fund. JAS Wealth: Superannuation 101 9

10 Which Superannuation Fund is the best? This is a difficult question because ultimately the measure of a superannuation fund is different for everyone. There are so many different choices of superannuation fund and while this is a great thing for consumers, it can also be quite confusing. The main points for you to consider are as follows: Fees and costs All super funds charge fees. The level of fees is usually dependant on the services and features on offer. If you only want a basic service, then find a super fund that can provide you this at the lowest cost. If you want more comprehensive features identify a superannuation fund that can provide you these. Investment strategies or options Depending on the super fund, you can often choose how your super money will be invested. This is called an investment strategy or option. When you make a choice, be aware that different options might have different fees and costs, so weigh up the benefits and costs. Investment performance Look at how each fund has done over at least the past five years. Remember that super is a long-term investment. A fund can perform well one year and not the next. Compare funds with the same investment strategy and take into account all fees and costs. Insurance and other benefits You can often get insurance benefits at a low cost from your super fund, because it s offered at a group discount. If you decide to change funds, check what the new fund offers before you change. Some funds might also offer personal loans, or financial planning services. JAS Wealth: Superannuation

11 How do I find lost Super? If your superannuation fund has lost track of you, you may be one of the thousands of Australian s with lost super. At last count there was about $17 billion in lost super accounts. The Australian Tax Office (ATO) has a secure online search tool known as Super Seeker. Superseeker can be used to: check your current super accounts that money has been paid into in the last two financial years; find lost super there are billions in lost super, see if some of it is yours; find ATO-held super if the government, your super fund or your employer can't find an account to transfer your super to, they hold it on your behalf; transfer your super to the super account you want consolidate your superannuation. To access the Superseeker tool, simply do a Google search for superseeker Document type You will be asked for Maximum age of document Notice of assessment (NOA) from the ATO Full name (exactly as it appears on your NOA) Day/month/year of issue Our reference number (or job number and sequence number) Issued within the last five financial years Super account member statement Super fund ABN (usually in small print at the bottom of the statement or on the covering letter) Member account number Bank account statement BSB Bank account number Account name Issued within the last two financial years PAYG payment summary Year Income amount Dividends statement Year Investment reference number Centrelink payment summary Year Income amount JAS Wealth: Superannuation

12 How do I review the performance of my Superannuation Fund? When it comes to superannuation, performance isn t everything but it is the factor most people focus on. The first place to check your performance is with your current superannuation fund. Go to their website and review the performance of their investment options over the short, medium and long term. Check some other funds and see how your superannuation fund compares. The Government regularly produces a superannuation performance publication, known as the superannuation fund level rates of return. This publication is produced by APRA (Australian Prudential Regulation Authority) containing rates of return for the largest 200 superannuation funds. To find this report simply Google APRA superannuation fund level rates of return Got a question or like to know more? To find out which investments best suit your personal profile contact us on and book an appointment or visit our website and book online. JAS Wealth: Superannuation

13 How do I build my Superannuation account? To build your superannuation balance you and your employer can make contributions. In general it is best to build your superannuation fund the closer you get to your retirement age. There is little point for someone who is 25 years of age putting all their funds into superannuation if they cannot access it until they are 60 years of age. For most people the Superannuation Guarantee (9% of your salary) will not be enough to support you comfortably in your retirement. Therefore it is likely that as part of your retirement planning you should consider how to make additional contributions to superannuation. There are two types of contributions, concessional and non-concessional. Concession contributions are taxed at 15% within the super fund, while non-concessional contributions have no tax payable, because it is assumed these funds have been taxed somewhere else along the line (for example an accumulated cash balance in the bank). Note: There are strict rules about who can contribute to superannuation and how much. Case Study: The Power of Compounding When you invest regularly, no matter how little you put away, you ll enjoy the effects of compounding. Compounding happens when you re-invest income earned on your savings, so you earn money on both your initial capital and income you have already earned. Let s say John and Sarah are both aged 40 and are thinking about plans for their retirement. John decides to invest $1,000 per month for the next 20 years and Sarah decides to invest $2,000 a month, but doesn t start her saving plan until she turns 50. They both want to retire at age 60 and it s assumed that their investment will generate 8% per annum after tax. The graph shows that even though John and Sarah both invested $240,000 in the end, John s savings are larger because of an extra 10 years of compound earnings. $000 s Age John Sarah JAS Wealth: Superannuation

14 What about a Self Managed Superannuation Fund? A self managed superannuation fund (SMSF) is just as the name suggests: a superannuation fund that you manage yourself. Noting the classic Spiderman mantra with great power comes great responsibility, the same could also apply to running a self managed superannuation fund. To run a SMSF you will need: A superannuation balance of around $250,000 to ensure the set-up and yearly running costs are not high when calculated as a percentage of your fund. To use the services of professionals for areas such as accounting, tax, audit, legal advice, financial planning and investments. Plenty of time to manage the fund; Adhere to the legislative requirements of running your own self managed fund. Financial experience and skills so you are more likely to make sound investment decisions You can pay an adviser a fee to do the administration for your self-managed super fund however, you cannot pass on the responsibility of being a trustee or director of your SMSF. What are the benefits? SMSFs have continued to grow in numbers at a solid rate. Common reasons for their continuing popularity include: 1. More control over the investment strategy and the way it is implemented. 2. Greater investment choice although there are some limitations imposed by law and the trust deed. 3. Costs because you control the investment management you may have the ability to minimise the fees incurred by the investment portfolio and the degree of trading within the portfolio. 4. More opportunities for tax effective investments. 5. Potentially higher net returns due to lower costs, less tax and a more effective investment strategy. JAS Wealth: Superannuation

15 What are the risks? The main issues and risks to be aware of when establishing a SMSF include: 1. Obligations of the Trustee as a trustee of the SMSF you are bound by law to responsibly manage the Fund and are personally liable for any actions of the Fund. You can delegate the tasks associated with administering your SMSF but not the legal responsibility. 2. Costs costs associated with a SMSF are potentially greater for account balances less than $200,000 as compared to other funds. 3. Time as trustees you will be required to set aside your time for the ongoing management of the SMSF. Alternatively you can seek, at a cost, professional assistance from your financial adviser or accountant, although this will not remove all time commitments. 4. No recourse a trustee of a SMSF does not have access to the Superannuation Complaints Tribunal should something go wrong. JAS Wealth: Superannuation

16 When can I Access my Superannuation? Superannuation is for your retirement, so it can be assumed access to your superannuation is restricted until you retire. This means that you generally can t withdraw the funds until you are over 55 (increasing to age 60 if you were born after 1 July 1964) and meet a condition of release. There are however other limited situations when you may access your superannuation in all or in part. The standard conditions of release are listed as follows: Attaining the age of 65. Retirement which requires that: where the member has reached their preservation; an arrangement under which the member was gainfully employed has come to an end, and the person intends never again to become gainfully employed. Permanent incapacity where the trustee is reasonably satisfied that the member is unlikely, because of ill health, to engage in gainful employment for which they are reasonably qualified by education, training or experience. Death. Terminal illness where a member suffers an illness, or has incurred an injury, that is likely to result in the death of the member within 12 months. Compassionate grounds a person may apply to the Department of Human Services for the release of benefits on compassionate grounds. Severe financial hardship to meet this condition of release a trustee of a superannuation fund must be satisfied that the member is in severe financial hardship. Temporary incapacity a superannuation fund may provide an income stream to a member as a temporary incapacity benefit. Transition to retirement when you reach your preservation age, you may be able to access your preserved and restricted non-preserved benefits through a variety of noncommutable income streams. Temporary resident departing Australia permanently. Benefits of a lost member (who is subsequently found) where their benefit in the fund at the time of release is less than $200. JAS Wealth: Superannuation

17 What about Insurance in Superannuation? Super funds typically offer three types of insurance: Death cover (also known as life insurance) Your beneficiaries receive a benefit if you die; Total and permanent disability (TPD) cover You receive a benefit if you become seriously disabled and are unlikely to ever work again; Income protection (IP) cover You receive an income stream for a specified period if you can't work due to temporary disability or illness. Like other insurance policies, you will pay insurance premiums. These are deducted from your super account balance. Many super funds have a default level of cover that provides a small amount of insurance however it is recommended that you review this insurance cover to ensure it meets your individual requirements. Why attach insurance to superannuation? Insurance through an employer superannuation fund is often arranged with group insurance rates, which can be less expensive than premium rates offered to individuals. Employer superannuation funds often offer automatic acceptance levels of cover, reducing the need to provide medical information. If the member is making salary sacrifice contributions into their superannuation fund, they will be paying premiums with pre-tax, rather than post-tax money. Self employed people can fund insurance premiums via concessional contributions which are tax deductible. See the JAS Wealth Insurance ebook for further information about insurance. JAS Wealth: Superannuation

18 Superannuation and estate planning Superannuation will usually grow over time to become your largest asset outside of your family home. Therefore it is crucial that you take your superannuation fund into account when preparing your estate plan. Did you know? Superannuation is not directly controlled by your will. Upon death, your superannuation balance is known as a death benefit and is directed by the trustee of the superannuation fund. As a minimum you should have death benefit nominations in place for your superannuation fund, which will provide guidance to the trustee in the event of your death. It is also worth noting that some thought needs to go into the selection of beneficiaries to receive your superannuation death benefit. Your death benefit will be subject to differing tax treatments depending on the circumstances of your beneficiaries. How do I nominate a beneficiary? You can nominate who will receive your superannuation benefit in the event of your death. This can be done through either a binding death benefit nomination or a non-binding death benefit nomination. 1. Where a binding death benefit nomination is made, the trustee is bound to pay the benefits to the nominated dependants or legal personal representative. 2. For nonbinding death benefit nominations, the trustee has discretion and is not compelled to follow the nomination. 3. If no nomination is made or a binding death benefit nomination is invalid, the trustee may use its discretionary powers or pay the benefit automatically to the deceased s estate. JAS Wealth: Superannuation

19 All successful businesses have a secret formula At JAS Wealth our secret is our people We call it the right people, with the right skills. You need an advisor with the qualifications and experience to offer you the highest level of financial planning and investment advice. Because not all financial advisors were created equally. A DIFFERENT KIND OF WEALTH MANAGEMENT FIRM

20 Got a question or like to know more? Contact us Level 9, 275 Kent Street, Sydney NSW 2000 PO Box R1990 Royal Exchange NSW 1225 Tel Fax IMPORTANT INFORMATION This information was prepared by JAS Wealth Pty Ltd, ABN , Corporate Authorised Representative of Securitor Financial Group Ltd, ABN AFSL & Australian Credit Licence (ACL) (Securitor) and is current as at May This publication provides an overview or summary only and it shouldn t be considered a comprehensive statement on any matter or relied upon as such. The information in this publication does not take into account your objectives, financial situation or needs and so you should consider its appropriateness having regard to these factors before acting on it and obtain financial advice. Any taxation position described in this publication is a general statement and should only be used as a guide. It does not constitute tax advice and is based on current tax laws and our interpretation. Your individual situation may differ and you should seek independent professional tax advice. The rules associated with the super and tax regimes are complex and subject to change and the opportunities and effects will differ depending on your personal circumstances. JAS Wealth: Superannuation

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