Sound guidance from Scott and John - be sure to take it on board
Are they still in accumulation phase or pension phase? Your post is unclear Why persuade LICS etc outside of super but not inside? As Terry...
Suggest OP learns the basics first, then actually asks his employer how they operate wrt sal sac if that is being considered. There’s other...
Hi You need to run a few scenarios (sal sac 10 k vs after tax similar amount/8500/etc) To answer your question, concessional contributions (be...
Review their website and PDS and make the choice that fits your investment and risk profile? Come on... Hostplus - Super Investment Options - How...
Slightly misrepresentative, as that’s not how PSS DB tax on pension is calculated, and it seems you’re talking about how the PSS pension is valued...
Then it's as I explained, unless your pension is over $100k p.a Tax free (member component) always tax free Taxable taxed (productivity plus...
Assume you’re taking a pension. Return of your own contributions are tax free Taxable taxed are probably at your marginal rate until 60 when...
Firstly, tax is 2860 PAYG and 150 contributions tax (not 850), and you are not paying the 150 - that relates to SGC, so your total tax paid...
Would be interested in your reasoning. Cheers
The concessional contributions were by salary sacrifice. so no deductibility or 221D Whichever strategy you use (personal contribution and using...
Right - back to the topic at hand Rec 1 - agree - the 9.5% appears to be working Rec 2 - strongly support this - these are the people at most risk...
Read this and the FAQ Transfer balance cap
Seems like your dissatisfaction is with your employers, and not Superannuation per se. It’s actually quite easy to plan for your retirement given...
Twisted, I think you’re still missing the messages. The DHS link you provided refers to aged pension age eligibility - it has nothing to do with...
You're spreading so much misinformation here, even with the content directly above! There is NOT a move to increase retirement age. There is a...
^^ If you’re under 60, productivity and employer components are at MTR
Re pension tax rates Your personal contributions plus their earnings are always tax free Productivity component plus earnings is at your MTR, but...
Up .15 on Nov 20. A quick chat and they dropped my PPOR by .4 (1.3 in total), effectively reducing my rate by .25 taking the rise into account.
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