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Showing Tag: "super" (Show all posts)

Federal Budget 2015

Posted by Naomi Rosenthal on Thursday, May 14, 2015, In : General 

The government handed down the Budget this week. We run through a few of the items that may impact your financial situation.

[Read more]

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Boost Your Super

Posted by Naomi Rosenthal on Thursday, May 22, 2014, In : Superannuation 

Boost your super savings before 30 June

Superannuation isn’t just a great way to save for your retirement. There are a number of ways it can benefit you now, such as making your income more tax-effective.

With 30 June approaching, now is a great time to think about how you can boost your super savings this financial year and make some smart decisions about your financial future.

There are many tax-effective strategies you can implement before the end of financial year. These opportunitie...

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Creating a Tax Effective Retirement

Posted by Naomi Rosenthal on Tuesday, March 18, 2014, In : Superannuation 
This post first featured as a guest blog at

Why would you ever stop doing what you love?

As a business owner, "retiring" is probably the last thing on your mind. You have the usual pressures of being self-employed :- cash flow constraints, time management and profit margins. However, to ensure you reach your goals, in business and in life, thinking about your eventual retirement is critical otherwise what ultimately is the point of all this effort?

Here are 5 great ways you c...

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7 Reasons for NOT buying a house in your SMSF

Posted by Naomi Rosenthal on Wednesday, November 13, 2013, In : Superannuation 

It's all the rage right now - setting up a self managed super fund and borrowing to buy a residential property as the major asset.

On paper it sounds like a great idea - you've got some money in your fund, borrowing costs are very low right now, rental returns are pretty good, it offers asset protection against bankruptcy and income and capital gains are concessionally taxed.

There are only a handful of occasions when we think it's a good strategy and plenty of reasons why we have concerns ...

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Is your super now MySuper?

Posted by Naomi Rosenthal on Wednesday, November 13, 2013, In : Superannuation 
·         Is your super with an employer or industry fund?
·         Are you invested in the fund's default strategy?

If you answered YES to both of the above questions, then your super is likely about to become MySuper.

The Federal Government has introduced MySuper to "improve the simplicity, transparency and comparability of default superannuation products."

What is MySuper?

MySuper is a "low-cost, default superannuation investment option that is made up of a single, diversified stra...

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How Long Will You Live?

Posted by Naomi Rosenthal on Wednesday, November 13, 2013, In : Financial Planning 

A few people I talk to say to me "I'm not planning to live that long" when considering the average life expectancy.

Most people tend to underestimate just how long they'll live. The average life expectancy has increased substantially in recent years and if you're 65 today, it's likely you'll be alive well in your 90s.

The problem is, it's just an average.

To have confidence your money will last the distance you will need a substantial amount of savings.  Retirement can be more expensive th...

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three ways you can get more into your super fund this financial year

Posted by Naomi Rosenthal on Friday, June 14, 2013, In : Superannuation 

Personal Deductible Contributions

By making personal contributions to your super, you may be able to claim a tax deduction to reduce your tax liability.

What’s in it for me?

  •       Pay less tax by reducing your taxable income, while growing your retirement savings quicker.
  •       Retirees, self-employed persons and homemakers can build wealth more effectively.

Who can this strategy work for?

This strategy is most suitable if you:

  •       have a marginal tax rate above 19%
  •       want to redu...

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Federal Budget Update 2013

Posted by Naomi Rosenthal on Thursday, May 23, 2013, In : Financial Planning 
Did you pay any attention to the Federal Budget the other week? If not, here's a great run down on some of the changes and what it means for you from our friends at OnePath.
READ HERE: Federal Budget 2013
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5 Hot Tips for End of Financial Year

Posted by Naomi Rosenthal on Wednesday, April 3, 2013, In : Financial Planning 
We’re in the last quarter of the financial year for 2012/13. Here are our top 5 tips to get your finances squared away before the end of the financial year.
Private Health Insurance Rebate
The government changed the rules on private health insurance rebate from 01 July 2012. You are now income tested on private health insurance premiums and payments to private health insurance are tested against three new income thresholds to determine if you are entitled to a rebate from the government.
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5 Tasks To Do before 30 June 2012

Posted by Naomi Rosenthal on Thursday, June 21, 2012, In : Superannuation 

With only 9 days before the end of financial year, and 5 working days for processing, here are my top 5 tasks To Do before the year end. You may not get a chance to benefit from a few of these options again. Act now!
1. Co-Contribution
It won't be this good again. From 2012/13, the maximum co-contribution will drop to $500, cutting out at an income threshold of $46,920.
This is your last chance to receive up to $1,000 as a government co-contribution.
For the 2011/12 financial year, those with ‘...

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5 Reasons to Find Your Lost Super

Posted by Naomi Rosenthal on Thursday, June 21, 2012, In : Superannuation 

I’ve been living in my apartment for 2 years now. And still I am receiving other people’s mail. Bank statements, superannuation statements, promotional material to name a few.

Why do some people not mind that their stuff gets left behind when they move on? Are they now tracking it online? I doubt it. I can certainly appreciate that sometimes when you leave one place you want to start afresh. To my mind though, there are certain items that remain important no matter where you go.

Here are my...

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End of Year Financial Planning

Posted by Naomi Rosenthal on Thursday, April 12, 2012, In : Financial Planning 
To discuss your end of financial year planning with us, contact us on 02 9417 6011 today.

Here's a great checklist for your end of year financial plans. Deadline: 30 June 2012!

  • Firstly, check how much you've contributed to super so far this financial year. Don't get stung with excess contributions tax by putting in more than the caps.
    Concessional Contributions
    If you're under age 50, you can contribute up to $25,000 and if you're over age 50, you can contribute up to $50,000 i...

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How to move into retirement and be better off

Posted by Naomi Rosenthal on Monday, July 18, 2011, In : Superannuation 

Move into retirement and be better off

If you’re between 55 and 75, establishing a transition to retirement pension could help you:

  • ease into retirement by reducing your working hours without reducing your income
  • increase your retirement savings without impacting your income if you are still working full time
  • boost your income today so you have more money to cover your everyday living expenses.

‘Transition to retirement’ rules were introduced to allow working Australians aged 55 ...

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Super Ideas to Boost your Retirement Savings (and Save Tax)

Posted by Naomi Rosenthal on Tuesday, May 17, 2011, In : Superannuation 

With the end of financial year just around the corner, there are many ways you can increase your retirement savings by implementing tax-effective super strategies.

How you can benefit

The end of financial year is a great time to think about how you can boost your super savings before 30 June, and get your financial affairs in order.

There are many strategies you can implement before the end of financial year to boost your retirement savings and achieve tax savings, such as taking advantag...

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Do you use sub-contractors?

Posted by Naomi Rosenthal on Tuesday, May 17, 2011, In : Superannuation 

If yes, then you may be liable to pay their Superannuation Guarantee contributions.

If you pay individuals under a contract that is wholly or principally for their labour, you have to make super contributions for them, even if they quote their ABN (Australian business number).

Generally, a contract is principally for labour if more than half of the dollar value of the contract is for a person's labour. This person is considered your employee for super guarantee purposes.

An individual's l...

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Budget 2011. Fizzle and plop.

Posted by Naomi Rosenthal on Wednesday, May 11, 2011, In : Financial Planning 
From what I've so far read, there's not much to excite in this year's Federal Budget. In a way, that's quite nice - steady as she goes. But do Julia and Wayne have something up their sleeve to rock the boat (or dig the knife in)?
Two items of important note for our clients:
Contribution caps for over 50’s
There will be a change to the previously announced concessional contribution cap for those over 50 with a superannuation account balance of less than $500,000 (with effect from 1 July 2012, w...
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