What’s the Carer Allowance and am I eligible?
If you’re retired and caring for an ill or frail partner or family member, the government’s Carer Allowance can provide some useful extra income.
Case studies
Set out below are the latest guides that relate to case studies.
Case study: How to reduce tax on your TPD payments from super
If you suffer a total and permanent disability, making the most of any TPD insurance you have in super is crucial.
Case study: When can I afford to retire?
If you are thinking about retiring but not sure whether you have enough super, it’s time to do some preliminary calculations.
Financial advice: What are the risks and benefits?
There is mounting evidence that financial advice can be good for your hip pocket as well as your general wellbeing, but you need to be vigilant.
Your tax guide to accessing your super under age 60
If you’re eligible and thinking about tapping into your super before you turn 60, it’s worth checking the tax implications first. In some cases, you may be better holding off for a while.
Salary sacrifice and super: How does it work?
Salary sacrifice can be a convenient and simple way to boost your super and reduce your tax bill at the same time. Learn how to get it right and the alternative to consider.
What super contributions are best for me?
Growing your retirement savings needs the right mix of super contributions. Here’s some guidelines and case studies to help you think about what’s right for you.
Non-concessional super contributions guide (2023–24)
Making a personal contribution into your super can be a great way to boost your retirement nest egg and enjoy the tax-effective benefits of the super system.
How to take advantage of the increased Transfer Balance Cap (including calculator)
An increased Transfer Balance Cap creates opportunities to transfer more into the tax-free retirement phase and contribute more to super but beware the fine print!
Your tax guide to accessing your super over age 60
Once you turn 60 and start withdrawing your super, the tax advantages of the super system come into play.
What to do if you exceed your super contributions caps
Going over your annual limits for super contributions can cause problems and cost you money, so it’s important to know what to do if you have.
How the Division 293 tax works: Super surcharge for high earners
High-income earners pay extra tax on their concessional super contributions, so it’s important to understand the rules.
Concessional super contributions guide (2023–24)
Concessional contributions make up most of the money going into your super account, so it’s important to understand what these are and how they work.
A super guide to the bring-forward rule
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 about the rules.
A simple guide to what tax is payable on super death benefits
Your beneficiaries could end up paying more tax than necessary when they receive your superannuation death benefit if you don’t learn the rules that apply.
How a government co-contribution can help boost your super savings
A free co-contribution payment made by the government into your super account can be a great way to boost your super account if you have some money to spare.
Aged care: Guide to self-managing home care
Self-managing government-subsidised home care is an increasingly popular way to maximise the hours of care provided with hand-picked carers.
Using the Home Equity Access Scheme to fund aged care
Proposed changes to the Pension Loans Scheme (now known as the Home Equity Access Scheme) could help more elderly Australians stay in their own home for longer.
