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How Much Can I Put Into Super As A Lump Sum?

How Much Can I Put Into Super As A Lump Sum?

Feb 8, 2022 | Blog, Contributing to Super, SMSF, Superannuation

Knowing how much you can put into superannuation each year is important if you are looking to maximise your super contributions. Every year, there are changes to superannuation rules, contribution caps and various thresholds. This post is going to explain how much you...
Can I Use My Super To Buy A House To Live In 2022

Can I Use My Super To Buy A House To Live In 2022

Feb 1, 2022 | Accessing Superannuation, Blog, Contributing to Super, SMSF, Superannuation

Can I use my superannuation to buy a house to live in? This is question asked by many Australians time and time again. We’re often told that superannuation is our money, so we should be able to use it how we please, shouldn’t we? Housing affordability in...
Leaving Super in Accumulation Phase

Leaving Super in Accumulation Phase

Oct 4, 2021 | Accessing Superannuation, Blog, Centrelink, Contributing to Super, Retirement Income Streams, SMSF, Superannuation, Superannuation Tax

Leaving super in accumulation phase is an option if you are retired or nearing retirement. There are a number of reasons why you may choose to leave funds in accumulation phase. Once you retire, you are not obligated to withdraw your super or commence an income...
Risks and Disadvantages of Salary Sacrifice

Risks and Disadvantages of Salary Sacrifice

Jul 6, 2021 | Blog, Contributing to Super, Superannuation, Superannuation Tax

There are a number of risks and disadvantages of salary sacrificing into superannuation. Understanding the disadvantages of salary sacrifice is important before using this strategy to save towards retirement. The risks and disadvantages associated with a salary...

Age Limits For Superannuation Contributions

Jul 1, 2021 | Blog, Contributing to Super, Featured, Superannuation

Age limits for superannuation contributions are important for determining who can and who cannot make contributions to superannuation and the type of contributions that can be made. The age limits and types of contributions that can be made to super have changed a few...
What Does SGC Mean On A Payslip?

What Does SGC Mean On A Payslip?

Apr 12, 2021 | Blog, Contributing to Super, Superannuation

If you are an employee, it is likely that you receive a payslip each pay period and might be wondering what the term SGC means on your payslip. SGC or SG stands for Superannuation Guarantee contributions. Superannuation Guarantee contributions are compulsory...
Advantages and Disadvantages of Non-Concessional Contributions

Advantages and Disadvantages of Non-Concessional Contributions

Jan 17, 2021 | Blog, Contributing to Super, Superannuation, Superannuation Tax

There are a number of advantages and disadvantages of non-concessional contributions. These benefits and downsides of non-concessional contributions need to be considered prior to making any contributions to superannuation. There are two types of contributions that...
Maximum Super Contribution Base Example

Maximum Super Contribution Base Example

Dec 9, 2020 | Blog, Contributing to Super, Superannuation

Detailed below is an example of the maximum superannuation contribution base. The maximum super contribution base limits the level of SG contributions required to be made by an employer on behalf of an employee. The maximum super contribution base example below...
Maximum Superannuation Contribution Base

Maximum Superannuation Contribution Base

Dec 8, 2020 | Blog, Contributing to Super, Superannuation

The maximum superannuation contribution base refers to the quarterly wage earned by an employee that the employer is required to pay Mandatory Superannuation Guarantee (SG) payments on. The Superannuation Guarantee Levy is the compulsory superannuation contribution...

30% Tax On Super Contributions

Dec 1, 2020 | Blog, Contributing to Super, Featured, Superannuation, Superannuation Tax

Contributions made to superannuation where a tax deduction has been claimed incur superannuation contributions tax. Contributions where a tax deduction has been claimed are referred to as Concessional Contributions. The types of contributions that are assessed as...
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