Superannuation Strategies Perth

Create a comfortable future

Taking the steps today to build your superannuation will give you greater freedom tomorrow. Get an obligation-free consultation from Absolute Insurance by completing the form below.

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Build the retirement you want

From the day you start work to the day you retire, superannuation contributions form the basis for a great financial plan. As well as financial security later in life, there are many benefits to increasing your superannuation – such as favourable tax concessions on contributions, investment earnings and compounding returns.

We can help you look at more sophisticated strategies for accelerating your super, such as salary sacrificing or self-managed funds. When you start transitioning into retirement, there are even more tax benefits we can guide you to take advantage of.

It’s never too late to boost your super but the sooner you do it, the longer you have to accumulate retirement funds – often without making much of an impact on your salary.

How You Can Improve Your Super

Employer Super Guarantee

Your employer contributes a minimum percentage of your earnings or ‘Superannuation Guarantee’ into a complying super fund if you’re: 

  • At least 18 years old
  • Earning at least $450 per week 

While this may not fund your whole dream retirement, it’s an important basis for your super strategy that you can build on.

Consolidating Your Super

Have you: 

  • Changed jobs? 
  • Moved house? 

You might have:

  • Several separate super accounts, which can result in poorly managed or inappropriate investment choices
  • Lost access to your super because your fund can’t contact you

We can consolidate your dormant funds, locate lost accounts and get your super working harder.

Boosting Your Own Super

Earnings within super are taxed at a concessional rate. Various types of voluntary contributions benefit from this, including:

  • Personal contributions
  • Spousal contributions
  • Salary sacrificing

We can help ensure you’re proactively seizing every opportunity to save for your retirement.

Taking Advantage of Government Incentives

To further encourage retirement savings through super, the Government offers targeted incentives for people who may need more support, including:

  • The spouse contribution scheme, which allows you to contribute to your spouse’s superannuation fund
  • Government co-contributions, if you make a personal superannuation contribution from your after-tax income

We can advise if you qualify for entitlements as part of your overall super strategy.

CLAIM YOUR OBLIGATION FREE CONSULTATION

If you want to find out more, but not sure where to start, contact us today. We are happy to meet at a Perth location convenient to you to discuss how our superannuation solutions can help you.