During the accumulation phase, contributions are made into super and earnings are generally taxed at concessional rates.
Once you transition into retirement and commence a pension, income may be drawn from your super, and the tax treatment of earnings can change. Structuring this transition correctly can significantly impact your retirement income sustainability.
Strategic advice helps ensure the move from accumulation to pension phase is planned and tax-effective.
Other FAQs
No. Financial planning is about making the most of what you have, regardless of your income or net worth. Many people benefit most from advice earlier in life, when good [...]
This is a grant available to Australian citizens or permanent residents who wish to buy or build their first home, which will be their principal place of residence within 12 [...]
Usually between 5% – 10% of the value of a property. Speak with us to discuss your options for a deposit.
Interest rates vary depending on factors such as: the type of asset loan structure your financial position whether the finance is personal or business We can help compare options to [...]
The general appeal of a fixed rate is the rate of interest paid on a loan doesn’t change for a set period. That means when the lender puts its interest [...]
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 [...]
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 [...]
Go to our Repayment Calculator for an estimate. Because there are so many different loan products, some with lower introductory rates, talk to us today about the deals currently available, and we’ll [...]
The earlier you begin retirement planning, the more options and flexibility you’re likely to have. Ideally, structured retirement planning should begin at least 5–10 years before you intend to retire. [...]
Working as a casual teacher is simply the nature of starting your career as a new teacher. Some teachers also work casual indefinitely as it suits their lifestyles. We have [...]
That’s completely fine. Many clients begin with a borrowing capacity conversation to understand their position before actively searching for a property. An initial discussion can provide clarity and direction, even [...]
Depending on the lender and loan structure, SMSF investment loans may include: Variable and fixed interest rate options Principal and interest or interest-only repayments Residential and commercial lending options Offset [...]
Employer sick leave may provide short-term support, but it is typically limited in duration. Income protection insurance is designed to provide longer-term income replacement if illness or injury prevents you [...]
Teacher home loans are available even if you’re on probation. However, note that you’ll need to meet all other standard lending criteria and have a clear credit history.
Possibly — but it depends on your financial position and how sustainable your income will be. Early retirement means your savings need to last longer, and you may not yet [...]
