We identify two phases in the superannuation process:
Accumulation phase is the period in which you can grow your superannuation investment portfolio for your future retirement. You are entitled to compulsory contributions from your employer or if you are not working you can make concessional contributions from your investments.
It is important to understand the difference between concessional (pre-tax) and non-concessional contributions (after tax). There are rules and caps regarding both.
For employees, concessional contributions are composed of the compulsory employer contributions and any salary sacrifice. Please visit our SMSF page for more options or contact us.
Pension phase is the period in which you “drawdown” from your superannuation fund and provide yourself with an income or “pension” or lump sum benefit. Please visit our SMSF page for more options or contact us.
WealthMaker Investment Returns Below are the returns provided by our various...Read More
QE is ending, so volatility is returning Written by Michael McAlary It has taken approximately...Read More
The return of the private US Secondary Mortgage Market Written by Michael McAlary The private...Read More
The longevity product puzzle – Are deferred lifetime annuities the answer? Written by Michael...Read More
Bitcoin – currency, investment or Ponzi scheme Written by Michael McAlary There has been a...Read More
What do Financial Planners bring to your table? Written by Jessica Houston The Role of a...Read More
New financial advice legislative regime from 1 July 2013 Written by Michael McAlary For all...Read More
Financial life cycle paradox Written by Michael McAlary Changing lifestyles combined with...Read More
|Loans||Financial Planning||Superannuation||ESG Investments||About us|
WealthMaker Financial Services
Contact:Phone: (02) 9233 1111