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Smart Superannuation Strategies

Transition to Retirement

Tax savings to boost your retirement funds

A popular tax saving strategy for over 55’s  which utilises current superannuation law to reduce tax on your super funds and provide rebates on your taxable income. The strategy can be used for people wanting to increase their retirement savings or reduce their working hours and keep the same net income.

Salary sacrifice

Use tax rates to your advantage

By contributing funds into your super fund before income tax is deducted, your contributions into super are taxed at 15% as opposed to your marginal tax rate.

This strategy is usually only effective if your marginal tax rate is above 15% (your taxable income is $35,000 or greater).

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