Superannuation

Personal superannuation

Superannuation can be an important part of planning for your financial future and funding your retirement. We can help you understand the different superannuation options available and how they may fit into your broader financial circumstances.

Self managed superannuation

A Self Managed Super Fund (SMSF) allows individuals to manage their own superannuation investments through a fund they establish and control. SMSFs can provide greater flexibility and choice over investments, but also come with responsibilities, costs and compliance requirements.

Super income streams for retirement

Superannuation can be used to provide an income during retirement through a super income stream. This can provide regular payments from your accumulated super savings to help support your lifestyle and ongoing expenses throughout retirement.

Depending on your age, the tax treatment of the pension payments may be 0% or 15%.

Annuities

An annuity can provide a regular and predictable income for a set period or for life, depending on the type selected. Annuities can be used as part of a retirement income strategy and may provide greater certainty around future income. Some annuities may assist with Age Pension eligibility.

Contributions to super

There are different ways you may be able to contribute to your superannuation, including compulsory employer contributions and voluntary contributions. Understanding the different contribution types and applicable limits can help you make informed decisions about building your retirement savings.

Tax minimisation through super

Superannuation can offer a number of tax advantages depending on your circumstances and the type of contribution or income stream involved. Understanding how contributions, investment earnings and withdrawals are taxed can help you make the most of the superannuation system.