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Superannuation

Superannuation is more than just a way to save for your retirement. At Your Wealth Financial Planning Group it is an essential pillar in a broader wealth creation strategy. Your Wealth Financial Planning Group can ensure that your superannuation is in-line with your lifestyle goals, whether it is helping to assist with selecting the right structure or advising on asset allocation or investment choice.

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We can also ensure that your super is integrated with your tax planning. Super may be eligible for the following tax benefits:
  • Personal contributions may attract a tax deduction
  • Contributions made by your employer or under a salary sacrifice arrangement (up to your contributions cap) are taxed at only 15% instead of your marginal tax rate, which could be higher.
  • Investment earnings are taxed at a maximum of 15%, rather than your marginal tax rate which could be up to 46.5%.
  • Capital gains in the super fund are taxed at a maximum rate of 15 per cent, instead of at your marginal rate if the investments are held outside super.
  • Your super benefit can be paid as a tax-free pension or lump sum when you reach 60 and satisfy the criteria to access your funds.
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