Testimonials


I had no idea where my lost super was or the names of the funds. I just new it was scattered everywhere and I should definitely have more than $3,000 in my super. Australian Super Finder found all 7 of my funds and now my balance is almost $50,000. Thank you so much for getting my super back on track. ? Leonie, Thomastown VIC


Super Investment Options

Retirement Options in SMSF

Superannuation is a structure, and the retirement legislation is the same in all super funds. So it doesn't matter too much. But they are quite right.

Transition to Retirement Pension from age 60

We may be talking about the transition to retirement pension at age 60 here, but you can take this kind of pension from age 55, but it is tax-free from age 60. So it's great at age 60. It also entails that the money invested in your super fund, the earnings on that money is also tax-free. So if you like tax-free income, this is a good idea.

Pension from Age 65

If you are still working, you are not allowed just to take your entire super until your 60. If you change employment, you can get it, but if you're still working, you're not allowed to take your entire super, and you can take a pension up to 10% of the value of your fund each year. But at age 65, your super is yours. So its starts as a regular pension at age 65, same rules as the transition-to-retirement pension, again tax-free to you, and again the earnings in the fund are tax-free as well.

Anti-Detriment Payments

This is usually a presentation on its own. In this scheme, when you die, if the super fund gives you a benefit over and above your death benefit, the equivalent of that contributions tax that you've paid grows up to what the income would be.

So as an example, if you put a $100,000 into super, during your life, you've paid $15,000 contributions tax. So you've got $85,000 in your fund. If you die, the fund gives you the $85,000 but on top of that they give you that 15,000 that you've paid in tax. If that's gone, the fund gives you a $15,000 tax deduction.

In the self-managed super fund, when you pay that extra $15,000, it's going all to you. It's just your money going back to you. But your fund gets a $100,000 tax deduction. You kids will not pay tax for a very long time. It's a powerful option that you need to know about.

If you want advice on your retirement options for SMSF, donít hesitate to call our administrators at 1300 252 167

All information on this website is of a general nature only. We have not taken into account your financial situation, needs or objectives. You need to make up your own mind and ascertain yourself if it is right for you. We recommend you read the product disclosure statement(s) and the financial services guide before making any financial decision.

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