Game-changing superannuation tips for couples
Description
Are you looking forward to your retirement? If you’re part of a couple, sharing your superannuation could be a game-changer, with potential tax benefits and earlier access to funds. Which means you may be able to retire sooner. It’s an exciting opportunity to improve your lifestyle in retirement.
If you tick all the boxes for the ATO to call you a ‘spouse’, you and your partner can share money in your super accounts. Listen in and you’ll learn:
01:33 Why can’t my spouse and I have one combined super account?
02:35 What are the benefits of sharing super?
03:40 What is a spouse contribution?
04:34 How does spouse super splitting work?
05:13 How much super can I share?
06:32 Super sharing strategies
08:23 Maximising Age Pension, if you have an age gap
09:33 Transfer balance cap strategies
10:49 Carry-forward rule strategies
12:10 Recontribution strategies
13:10 What happens to my super if I separate or divorce?
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RECOMMENDATIONS
https://www.australianretirementtrust.com.au/superannuation/contributions/voluntary/spouse
IF YOU LIKED THIS EPISODE YOU MAY LIKE
How much super you need to retire. And how to get it.
https://www.australianretirementtrust.com.au/learn/super-insider-podcast/ep-3
https://www.australianretirementtrust.com.au/learn/super-insider-podcast/ep-23
WE’D LOVE TO HEAR FROM YOU!
If you have any feedback, or topics you want us to cover in upcoming episodes, just drop us an email at podcast@art.com.au. Thank you!
CREDITS
Anne Fuchs, Australian Retirement Trust Executive General Manager of Advice, Guidance and Education
April Smith, Education Specialist
Kane Everingham, Team Leader Education Delivery
The opinions and comments shared by people in this podcast are theirs alone, and they’re not necessarily shared by the Trustee. It uses information that’s accurate at the time of publishing.
This is general information only. It’s not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination at art.com.au/pds before you make any decision about our products. And if you’re still not sure, talk with a financial adviser.
This information and all products are issued by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975) (‘Trustee’), trustee of Australian Retirement Trust (ABN 60 905 115 063) (‘the Fund’ or ‘ART’).
Any advice given is by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Service Guide at art.com.au/fsg to tell you about that advice and how they’re paid.
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