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Superannuation Advice

Superannuation in Australia
Superannuation advice and planning

Superannuation is a means of investing toward retirement.

Employers and employees can both contribute to superannuation in Australia ... and contributions are typically invested in the stock market, bonds, real estate, or other approved investment vehicles.

The money invested is subsequently paid to the member (or to the members' beneficiaries) on retirement, disability or death of the member either as a lump sum or as a pension or both.

Superannuation Guarantee

The Superannuation Guarantee came into effect in 1992, requiring an employer to contribute toward an employee's retirement through superannuation.

The Superannuation Guarantee (Administration) Act 1993 prescribed the employer contributions as a percentage of it's staff wages.

Employers are not required to contribute in some circumstances, e.g. for very low income earners, young workers not working full-time and workers over 70 years of age.

Employers may choose to contribute a higher amount than that prescribed as a means of employee incentive or reward or as part of a salary package.

There are some limitations on the tax deductibility of employer contributions for a given member and, therefore, professional advice should be sought before entering into these arrangements.

There are significant benefits in members saving toward their own future and Superannuation fund members may consider making contributions to superannuation in addition to employer contributions.

Individuals considering making personal superannuation contributions should seek professional advice.

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Financial News & Information

Latest Superannuation News
Superannuation Funds' Crucial Role in Achieving Net Zero Emissions Superannuation Funds' Crucial Role in Achieving Net Zero Emissions
Tue, 05 Dec: The Australian superannuation industry has emerged as a key player in facilitating the country's transition to net zero emissions, according to a recent study by the Association of Superannuation Funds of Australia (ASFA). The research highlights the necessity of a fundamental restructuring and significant capital investments to achieve the national goals, with superannuation funds serving as a primary source of funding. - read more
Challenges Ahead for Government's $3M Super Legislation Challenges Ahead for Government's $3M Super Legislation
Tue, 05 Dec: The Federal Government's plan to impose a $3 million cap on superannuation balances eligible for full tax concessionality is facing opposition from the Federal Opposition and industry professionals. The proposed legislation, introduced at the end of 2023, is expected to be subjected to key amendments in the Senate before it can be debated in Parliament, which may not happen until around April 2024. - read more
New Approaches by ATO to Address Unpaid Superannuation New Approaches by ATO to Address Unpaid Superannuation
Tue, 21 Nov: The Australian Taxation Office has taken significant steps during the 2022-23 financial year to recover and redistribute Superannuation Guarantee liabilities. A staggering $1.13 billion in liabilities were identified, out of which $683.8 million has already been recovered and given back to super funds and individuals. - read more
ART Expands Membership with Successful Completion of CBA Group Super Merger ART Expands Membership with Successful Completion of CBA Group Super Merger
Mon, 20 Nov: The Australian Retirement Trust (ART) has achieved another significant milestone with the completion of its merger with the Commonwealth Bank Group Super Plan. This merger has added 63,700 new members to ART's portfolio. - read more
Recent Superannuation Articles
Why Australia's Compulsory Superannuation System is Failing Why Australia's Compulsory Superannuation System is Failing
Superannuation in Australia has been a topic of hot debate for decades, with many experts questioning the current system's effectiveness. In a recent consultation paper released by the Albanese government, the objective for superannuation was stated as 'to preserve savings and deliver income for a dignified retirement, alongside government support, in an equitable and sustainable way'. - read more
Four out of ten face super shortfall Four out of ten face super shortfall
FOUR out of 10 Australians reckon they won't have enough super savings to fund their retirement while a slim majority believe superannuation fund reports are far too complex to be of any use in planning for the future, a survey has found. - read more
The legal responsibilities of SMSFs The legal responsibilities of SMSFs
The benefits associated with utilising a self-managed super fund can be significant ... but they come with legal responsibilities - and getting it wrong can be criminal, writes Matthew McKee. - read more
Super Rules, OK? Super Rules, OK?
Do you rule your superannuation or does it rule you? It's easy to fall for some myths about your super unless you do some clear thinking about who is in charge. - read more

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Important: Financial Services Online is a referral service. We provide general information only and we do not offer financial advice. We refer all insurance, finance and other enquiries that are initialted on this and our associated websites to specialist advisers who are licensed in their respective fields. You should always seek professional advice before making important financial decisions.