Superannuation

Personal  Superannuation

Dedicated Ethical, Socially Responsible  Managed super fund with high standards regarding environment, social responsibility and honest service.   Conservative through to high growth (and risk) choices. Be a conservative Australian blue chip shares investor and a climate activist at the same time with your choice of super, or invest in “cutting edge” smaller companies that are making a difference, or stick to short term safe cash.

Arrange your life insurance too, and let it be paid for by the compulsory superannuation account.

Rollover some or all of your other super funds into your new choice.

We provide:

• A short email or phone consultation.
• A”kit” of documents for you,
• instructions and a form for your employer
• instructions and forms to find and roll all your other “stray” super funds into the one.
• Assistance with including insurance in your super package
• Guidance with making your investment choices, nomination of beneficiaries.
• Links to useful guides.

For your extra Super savings

As your account value grows you may want to pay more attention to the finer points. Use extra superannuation based “strategies”:

• saving more tax,
• paying for your insurance,
• free money from the government such as “co-contribution”  or  ”Spouse Contribution rebate”

Pre retirement strategies such as:-

• “Salary Sacrifice”    Get 85 cents of a dollar of your salary into your super fund instead of only 60 or 70 cents in the hand.  This works if you are self employed too.
• “Transition to Retirement”.   Tax free money out and tax deductible money back in at the same time.

A “Self Managed” Super Fund   for larger super accounts.

With the support services of our Licensee, of our friends at DBA accountants and our own Superannuation and investment expertise we can help you to decide how and also provide any level of service for your SMSF from minimal to the most sophisticated and total assistance.

Suggestions for suitable investments for your own SMSF as our research uncovers them.

Your SMSF can be nominated as your Choice for your employer’s Superannuation Guarantee payments.

Help For Employers

Clear forms and instructions for employers.

Tax Free Superannuation Pensions.  ….  (over 55?)

Once you reach 55 you may convert your super account to a simple account based “pension”.
As soon as you do this all tax in the fund on the interest or dividends or rent or capital gains it makes become tax free. Obviously the net return will be higher.
The small minimum pension you must draw comes with a partial tax rebate until you are 60 and is then completely tax free.

“Transition to Retirement Strategy”

From age 55 you may draw up to 10% of the account balance each year while you are still working, and while you are still making tax deductible contributions into further accumulation.  Then at 65 there is no limit to what you can draw from your tax free pension account.  You can still keep working and putting up to a tax deductable $50,000 a year into more super, and turn that into more tax free pension.

Retirement income.

Use your accumulated superannuation for a tax free retirement income.  You may want advice on combining that with other investments or sources of income such as part time work or business combined with a top up from aged pension.

No matter who provides your super you can rely on our unbiased help for your personal retirement pension strategy.