Retirement Strategies

Retirement strategies and tips to assist in shaping your financial future.

General Retirement Strategies

Transitioning into retirement? Start to get your buckets in place early.

Transitioning into retirement? Start to get your buckets in place early.

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Don’t put all your eggs in the one basket. Us planners use the word diversification to explain this concept.

Cashflow remains king

Cashflow remains king

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Whilst cash transactions may soon be a thing of the past, the old saying cash is king hasn’t gone anywhere. Cash reserves and cashflow are front of mind for us planners when reviewing our client’s investment plans and portfolio’s.

Rising importance of aged care planning

Rising importance of aged care planning

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You may have parents who live on their own but because of failing health they need support to help care for themselves or it may be that they cannot look after themselves anymore and need to move to a home that can.

Get more from your salary or bonus

Smart super strategies for this EOFY

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Want to help boost your retirement savings while potentially saving on tax? Here are five smart super strategies to consider before the end of the financial year.

Topping up super with ‘catch-up’ contributions

Topping up super with ‘catch-up’ contributions

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If you have not fully used your concessional cap in a prior financial year, you may be eligible to use these unused carried forward amounts in a later year.

Top-up your super with help from the Government

Top-up your super with help from the Government

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If your income is under a certain threshold, then making personal after-tax super contributions could enable you to qualify for a Government co‑contribution and take advantage of the low tax rate payable in super on investment earnings..

Sacrifice pre-tax salary into super

Sacrifice pre-tax salary into super

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Contributing some of your pre-tax salary, wages or a bonus into super could help you to reduce your tax and invest more for your retirement.

Splitting your super contributions to your spouse

Splitting your super contributions to your spouse

(Reading time: 4 - 7 minutes)

Splitting super contributions to your spouse’s super account may help to boost their retirement savings and provide a range of other benefits.