Articles by
Janine Mace
-
Division 293 super tax explained (including calculator)
High income this year? You may need to pay additional tax on your super contributions.
-
What are the current work test rules for super contributions?
If you are over age 67 there is still one type of contribution that needs to pass the test.
-
Reversionary pensions: What they are and how they work
If you want your partner to continue receiving your super pension when you die, a reversionary pension can make the process easy for them at what can be a difficult time.
-
Small business 15-year exemption explained
If you’re 55+ or disabled and selling your small business, you could be eligible to avoid tax on the capital gain and make a large super contribution.
-
Downsizer super contributions: Rules and eligibility
Downsizer contributions can be a great way to boost your super without falling foul of many of the rules affecting other super contributions.
-
Bring-forward rule explained: How to make large super contributions
Using the bring-forward rule is a great way to put a larger contribution into your super account in a single year. Here’s what you need to know.
-
How carry-forward (catch-up) super contributions work
If you haven’t used all your concessional contributions cap in recent years you can play catch-up and get a handy tax concession to sweeten the deal.
-
What to do if you exceed your super contributions caps
Going over your annual limits for super contributions isn’t disastrous, but you should know the consequences and your options.
-
In your 60s? The super rules that apply to you
When you reach your 60s, the rules around making contributions and withdrawals from super start to change, so it’s important to know what’s what.
-
In your 50s or younger? The super rules that apply to you
Get to grips with the key super rules for people under 60.
-
Making superannuation contributions: Super for beginners guide
It’s worth learning the main types of super contributions and what each one offers you.
-
What is the maximum super contribution base?
High-income earners face a cap on the amount of income on which their employer must make SG contributions.
-
Choosing a default fund for your employees
What you need to know to select the right fund for your staff.
-
Indexed options in your super fund: Pros and cons
Index investment options are widely regarded as simple and low cost, but they’re not all created equal so it’s important to understand what you are getting.
-
How LISTO works (Low Income Superannuation Tax Offset)
The Low Income Super Tax Offset is a government rebate that can help boost your super and make saving for retirement a little easier.
-
Reverse mortgages: What are they and how do they work?
Retirees who own their home but would like to top up their income for whatever reason are increasingly tapping into their home equity with a reverse mortgage.
-
What is the value of financial advice when it comes to your retirement?
It’s easy to put off getting financial advice when your focus is on paying the monthly bills, but delaying or not getting advice can have huge financial and personal costs down the track.
-
Getting financial advice? What your adviser needs to provide
Financial advice is strictly regulated, so it pays to understand what you can and can’t expect from an adviser before you set up your first meeting.
