Salary sacrificing can be an effective way to build retirement savings tax-efficiently, particularly for higher income earners.
Concessional contributions are generally taxed at a lower rate than many personal marginal tax rates, which can make this strategy attractive. However, contribution caps apply and exceeding them can result in penalties.
Whether salary sacrifice is appropriate depends on your cash flow needs, existing contribution levels and broader financial priorities. Advice ensures the strategy supports both your short-term lifestyle and long-term retirement goals.
Other FAQs
Vehicle and asset finance allows you to purchase a car, equipment or other assets while spreading the cost over time. The lender provides the funds upfront, and you repay the [...]
nsurance should generally be reviewed when: You take on new debt Your income increases You start a family Your employment situation changes You approach retirement Even without major life changes, [...]
Usually between 5% – 10% of the value of a property. Speak with us to discuss your options for a deposit.
Yes. Eligible Self Managed Super Funds (SMSFs) can purchase qualifying commercial property, either outright using available fund assets or through a Limited Recourse Borrowing Arrangement (LRBA), subject to superannuation and [...]
No, if your financial situation changes after you have received pre-approval, your situation will need to be reassessed. This could be because you have changed jobs, had changes to your [...]
Shares and property can both play a role in a diversified wealth strategy, but they serve different purposes and carry different risks. Shares and managed investments typically offer: Liquidity (easier [...]
In many circumstances, yes. One of the unique features of SMSF commercial property investment is that an eligible business may be able to lease commercial premises owned by the SMSF, [...]
General information is broad and educational. Financial planning provides personalised advice, based on your specific circumstances, goals and risk profile — helping you make decisions that are appropriate for you.
Yes. Your loan should continue to align with your circumstances over time. If your goals, income or financial position change, we’re available to review your structure and discuss whether adjustments [...]
In most cases, we are paid a commission by the lender once your loan settles. This commission is built into the lender’s product pricing and does not increase your interest [...]
There’s no “perfect” time — but common triggers include buying property, starting a family, changing jobs, receiving an inheritance, planning for retirement, or simply wanting greater clarity and confidence around [...]
In some cases, yes, the lender may ask for a letter of employment to prove your current and future employment status, namely: How long you have been a teacher. Whether [...]
Now is always a great time to shop around or check that you have the right loan for your needs. We’re a great starting point. It will depend on what interest [...]
If you dream of a new home but have nightmares at the thought of building one, an off-the-plan purchase may be the perfect compromise. Although you will not get to [...]
If you’re having a hard time saving for your first home, your family can help you with a cash gift to put towards your deposit A gifted deposit home loan [...]
