Superannuation +

Does Salary Sacrificing into Super Affect CCS?

Hi fellow ozbargainers, I am planning to max out my Super concessional contribution including any carry forward contributions. However, because I get CCS from Centrelink, I’ve been told that this …

Extra Super Contributions - Verifying How It Works

I would like to pay as much as I can into super below the financial year. ACcording to the ATO (https://www.ato.gov.au/tax-rates-and-codes/key-superannuatio…), if my super balance is below 500k, I …

Pay into Investment Property Loan Vs Super Concessional Contribution

Hello Everyone, I tried looking up but most of the discussions are about paying off mortgage vs making extra contributions into Super. I am trying to compare paying extra into investment property …

Should I Roll over Our Super to a SMSF?

Hey there all you keen finance experts! Hoping to get a few perspectives on the question above. My wife and I have about $210k each in super, so about $420k in total. We were toying with the idea of …

FHSS Scheme I Must Be an Thick Cause I Don't Full Understand

Hi guys, I've asked this before and now here I am after sinking 15k into super for the FHSS. I'm at a stage now where I'm unsure if I should sink more through salary sacrifice, …

Dodgy Boss Directed Super to False Super Account

Hi all, my partner been working for a salon and her boss said she would help her with opening a super account on her behalf. This was about 1 year ago and she was new to the country and she let her …

ING

ING Living Super - Changes and Transfer

ING sent comms a few weeks ago, about changing their Living Super over to OneSuper. Employer contributions will need to change over from ING effective 1st Dec to your new/OneSuper For all with ING …

Super, Retiring and Working Casual

Can someone (age 63, Registered Nurse in a public hospital) retire from a 4 day a week part time position (for 5 years), access super (move it to a retirement account), and after a break, work for …

poll Hostplus Super - Claiming Deduction after-Tax Super Contributions

Last year, I've made after-tax super contributions to my Hostplus Super account (FYI: https://moneysmart.gov.au/grow-your-super/super-contribution…) I've already filled out the ATO form …

Best Performing Super Funds. and Bad Financial Advisers

Hi All, used to be in Australian Retirement Trust (ART)Superfund, and a few years ago, they used to perform pretty good, and also paid out "dividends" or "interests" every year. …

Sal Sac Super - Baby Boomer Money Deflating Inflation Turd?

Just found out some people can salary sacrifice into super, up to $1.1 million per year. Dawned on me Baby Boomers would have been pumping and now dumping from these products. Mortgage would be paid …

How to Invest Personal Savings Similar to Superannuation Strategy?

So I am currently with UniSuper and love how th the High Growth, Australian Shares, International Shares and Global Companies in Asia investment options perform. What I am trying to figure out is - …

Super - Carry Forward Concessional Contributions

This is just a PSA of some info I found out recently. Every year you could contribute $25,000 in super contributions this was made up from your salary plus personal contributions or salary …

Taxable Income - Notice of Assessment - Extra Super Payments

Hi folks, In trying to get on the Government deposit guarantee scheme, our income needs to be below $200k. It's currently at about $215k. Looking to find out if anyone has previously paid …

High Savings Account, Term Deposit or Super Account

Hi guys, I just moved back to Australia after working overseas for years. As a result, basically I have little money in my super account. I am thinking of planning for the future. Here are three …

PSA: Superannuation - The Hidden Costs of 'Pooled' Investment Options

Hi All, Superannuation, everyone's least favourite subject until 20yrs too late you realise the magic of compound interest and that a few tiny changes make all the difference between a …

Super - Should I Convert to Cash Options before The Recession?

Hi all, So I am with QSuper and I am wondering should I change my super investment to cash before the big recession that is coming? When Covid hit my super took a hit and then came back. Apparently …

No Superannuation Paid on Annual Leave When You Leave

Here's a fun fact, if you resign from a job and have annual leave outstanding you do not get Superannuation paid on the leave as it is called termination pay. Lesson being, don't give …

Accessing Superannuation at 60 Years Old

I know you can access funds aged 65, no questions asked and at 60 if officially retired. I've been told about being able to access funds at age 60 whilst not officially retired (still working …

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Referee Gets $150 Prezzee Gift Voucher after 60 Days & $1,000 Contribution (Referrer Gets $100 Voucher) @ Brighter Super

expired Referee Gets $150 Prezzee Gift Voucher after 60 Days & $1,000 Contribution (Referrer Gets $100 Voucher) @ Brighter Super

Shamelessly copied Fat Horny Ghost's post Offer has been extended to 31 March 2023. What your family and friends need to do to sign up and receive $150 in Prezzee gift cards …