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Why your super balance may not tell the full story Understanding carry-forward concessional contributions eligibility is key, particularly when your super balance is close to the $500,000 threshold. One of the common assumptions is that once your super moves above $500,000, the opportunity to use unused concessional contribution caps is gone. On the surface, that […]

A way to accelerate your super contributions when you have available capital Most people think of super contributions as something done each year gradually. However, there are situations where you may want to contribute more, sooner. The bring forward rule for super allows you to do exactly that, by bringing forward future contribution limits and

A simple framework to decide before the end of the financial year As we approach 30 June, it’s common for people to find themselves with surplus cash. It might come from: savings building up a bonus a sale of an asset or simply spending less than expected The question then becomes simple. What should you

A simple way to improve your position before the end of the financial year As we get closer to 30 June, many people assume they’ve missed the opportunity to improve their financial position for the year. In reality, there is often still time. Making concessional contributions before 30 June can be one of the simplest

You may have unused super caps sitting there without realising Most people focus on what they can contribute to their super this year. However, what often gets missed is what hasn’t been used in previous years. A carry-forward concessional contributions strategy allows you to use unused contribution caps from prior years, potentially creating a valuable

A simple way to improve your position while you’re still working For many people in their late 50s and early 60s, retirement is getting closer. However, there’s often a gap. You’re still working.You’re earning income.But you’re also starting to think about how to transition into retirement. A transition to retirement strategy can be a way

Selling your home is one decision. What you do next matters just as much. For many people, the family home is their biggest asset. Over time, it builds value.However, it doesn’t generate income. When the home is eventually sold, the real question becomes what happens next. A downsizer contribution to super can be a useful

How some retirees create income that lasts for life, and improve Centrelink outcomes One of the biggest concerns people have heading into retirement is simple. Running out of money. After years of building superannuation, the focus shifts from growing wealth to generating income. Lifetime income products in super are designed to help address this, because

How moving your super could improve what your family receives later Most people spend years focused on building their super. Growing it.Investing it.Getting it to a point where it can support retirement. However, fewer people think about what happens after. A super re-contribution strategy is one of the simplest ways to restructure your super to

What if your future Age Pension could be improved before you even retire? Most people approach retirement planning in a pretty straightforward way. Build super.Invest well.Let it grow. That all makes sense. However, there’s another layer that often gets missed. How you structure your super before retirement can directly impact your future Age Pension. A