An industry super fund for all Australians
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With the right combination of superannuation and pension plans, retirement can be a time to really look forward to.
When planning for your retirement, there are a number of factors you need to consider.
Of course, one of the major issues, and one we can help you with, is deciding how you'll fund your retirement.
Will you have saved enough money to retire comfortably as soon as you want to?
There are various options for how to fund your retirement and many retirees combine a number of these.
How you use your super in retirement will depend on a number of factors, including how much super you have saved and whether you have any investments outside of super.
It is worthwhile taking the time to work through your options, as making the right decision could save you tax and allow you to receive a higher government age pension.
If you need advice that is tailored to your particular circumstances, an Australian Catholic Superannuation financial planner can help you.
Options for your super include:
This option provides flexibility and you generally won’t pay tax on your withdrawals if you are aged 60 or over. However, your investment earnings will be taxed at 15% within the super fund – the return you receive is after tax.
Depending on your income, you may have to pay tax on investments outside super. So when comparing this option with leaving your money in super, remember to compare the after-tax returns.
Investment earnings are tax-free and if you are aged 60 or over, your payments will generally also be tax-free.
Australian Catholic Superannuation can provide:
Find out more about meeting a condition of release which determines when you can gain access to your super.
You can also attend one of our free retirement planning seminars to help you better understand your options.
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