Superannuation Guides

Superannuation can be complex. At Rate Detective we try to make the complex easier by providing a range of superannuation guides on the most common topics that our clients ask about.

It's not just about saving at tax time...
Hard to believe it's already that time of year again - tax time! With the new financial year just around the corner, there is understandably much attention on getting the most out of your tax.
Concessional Contributions through Salary Sacrifice
Okay, so do you know what the title of this article means? If you want to prepare in the most effective way you’re your retirement and if you don’t know what it refers to now, you really should.
Advantages of Consolidating your Super
If you have multiple super funds the advantages of consolidating them into one are many. Firstly, and this is a biggie, you will save on incurring multiple sets of fees that can eat into your retirement savings.
What are the types of fees your super fund might charge?
When looking at which fund to be a member of many people look at the risk profile of various super funds, they’ll look at the rates of returns, but those same people will often not make as rigorous an examination of the fees a fund charges.
What choice of portfolio for different age groups?
There is a default investment option for people that don’t wish to make a choice, and many funds now offer an option called MySuper which offer people a single diversified investment option, lower fees, and simple features, (so you aren’t paying for things you don’t need.
Non-concessional Contributions
One of the single best ways to build your super fund for retirement is through non-concessional contributions; that is with funds you have after tax.
Making Government Co-Contributions (with after-tax income)
The government sees the logic in incentivising people to contribute to their super with after tax income and to that end they are prepared to co-contribute. It’s a bit like when you were a kid and your parents would say we’ll match whatever you put in your money box so you have double.
Spouse Contribution Splitting
This type of super contribution is one way for couples to work effectively to maximize their future super returns. First I guess we should delineate exactly what the ATO (Australian Tax Office) defines as a spouse.

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