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Superannuation is essentially a tax-effective method of saving for your retirement. For many of us, it is the largest asset we have, apart from our homes.

With a variety of contribution options, Superannuation is a complex area. It’s important to form a strategy to make the most of the tax concessions, financial incentives and rebates.

Super contribution options

  • Employer - 9.5% super guarantee contributions
  • Employee - salary sacrifice contributions
    Salary forfeited as contributions to super instead of taking as taxable income
  • Employee - voluntary contributions (after tax)
    Could be eligible for government co-contribution payments if other conditions are met
  • Self employed - deductible contributions
    Must derive at least 10% of total income from self employed, business activities
  • Self employed or not working - after tax (non-deductible) contributions
    Could be eligible for government co-contribution payment if other conditions are met
  • Spouse - spouse splitting or spouse contributions


By forming a strategy, you may take advantage of:

  • Transition to Retirement (TTR) rules
  • choice of superannuation
  • Self Managed Superannuation Funds (SMSF)
  • salary packaging (also known as salary sacrifice)
  • retirement income streams

Contact us today to arrange an initial meeting to discuss how we might be able to assist you.


This is general advice only and does not take into account your financial circumstances, needs and objectives. Before making any decision based on this document, you should assess your own circumstances or seek advice from a financial planner and seek tax advice from a registered tax agent. Information is current at the date of issue and may change.