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Higher medium return potential (assuming inflation is tamed).

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.

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.

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..

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.

Key points

• Successful investing can be very difficult in times like the present with immense uncertainty around inflation, interest rates, war in Ukraine & continuing covid waves.
• This makes it all the more important to stay focused on the basic principles of successful investing.
  

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

You may be eligible to claim a tax deduction if you make a personal contribution to superannuation. There are some important steps you need to follow carefully and specific timeframes to take action.

Staying fit is important at any age, but as we get older our bodies change and respond differently to exercise.

From our beaches and outdoor lifestyle to our democracy and cultural diversity, there a lot to feel happy about in Australia.

Many women dream of a retirement where they can kick back and relax, do whatever they like and be free from the demands of others – actually focusing on caring for themselves.

Many people over 50 are putting their skills and experience to work in their own businesses. 

Health... check. Finances... check. Career... check?

Are you happy at work? Do you jump out of bed excited about tackling your next project? Or are you counting down the days until your holidays or retirement? 

"Try not to become a man of success, but rather try to become a man of value". Of all Albert Einstein’s many quotes, this is one of his most profound.

I ask others what success looks like and of course the concept is different for everyone. Usually, it’s considered in the context of material measures…the biggest house, the newest car or the highest salary. What I also find is that acquiring these types of success usually gives a person satisfaction for a relatively short period.

Procrastination is no doubt the number one reason why people don’t become successful at achieving what they dream of.

It is caused by the change that needs to happen. And we, humans, don’t like change that much!

Thank you so much for your support for SFP Founder, Bill Bracey’s inaugural TV appearance on the series – Your Best Interests. 

We’ve been overwhelmed with positive feedback with many resonating with Helen’s story about how financial planning has made a difference to your life.