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9 March 2025
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The ABS recently released figures which are used to determine key superannuation rates and thresholds that will apply from 1 July 2025. This outlines the rates and thresholds that are changing and those that aren’t.
This is your Quick Reference Guide for the year’s important facts and figures. It includes what you need to know on personal tax rates and offsets, as well as super contributions, caps, benefits, and thresholds.
Rules for eligibility to contribute to super are simple but there are conditions regarding accessing the bring forward rule that may result in unintended tax consequences. Here's an overview of everything you need to know.
Few people have been closer to superannuation policy over the years than Noel Whittaker, especially when he established his eponymous financial planning business. He takes us on a quick guided tour.
Josh Frydenberg's third budget contained changes to superannuation and other rules but their effective date is expected to be 1 July 2022. Take care not to confuse them with changes due on 1 July 2021.
The timing of lodging a notice of intent to claim a tax deduction on super contributions and making partial rollovers or withdrawals can make a big difference to the amount allowed to be claimed.
The government’s early access to super scheme may reduce short-term financial stress for some, but members must understand how much tapping retirement savings will erode savings in later life.
Parliament is not expected to sit until August, and the anticipated new super laws for contributions by people aged 65 and 66 may not pass. Only act on the proposals if the new law is actually passed.
While these findings are controversial and have already been attacked by the super industry, research suggests superannuation may not be the best long-term savings vehicle for everyone.
It has become more difficult to build large superannuation balances with contribution caps and more people paying off home loans for longer. How can wealthy parents help their adult children?
Understanding the new work test exemption rules may enable individuals to maximise their contributions to super and thus their tax effective retirement savings.
Three weeks to go before the EOFY is still enough time to comply with the rules and make the most of superannuation and income tax opportunities. Here's a quick checklist.
The CIO of Australia’s fourth largest super fund by assets, John Pearce, suggests the odds favour a flat year for markets, with the possibility of a correction of 10% or more. However, he’ll use any dip as a buying opportunity.
While encouraging people to draw down on their accumulated wealth in retirement might be good public policy, several million retirees disagree because they are purposefully conserving that capital. It’s time for a different approach.
This time last year, I highlighted 16 ASX stocks that investors could own indefinitely. One year on, I look at whether there should be any changes to the list of stocks as well as which companies are worth buying now.
With the arrival of the new year, the first members of ‘Generation X’ turned 60, marking the start of the MTV generation’s collective journey towards retirement. Are Gen Xers and our retirement system ready for the transition?
The capital gains tax main residence exemption is no longer 'fit for purpose', due to its inequities, inefficiency, and complexity. Here are several suggestions for adapting or curtailing the concession.
A Grattan Institute report suggests lifetime annuities as a solution to people not spending their super balances. The issue is whether underspending is the real problem or a sign of more fundamental failings in our retirement system.