Superannuation Advice

Superannuation is arguably the most tax-effective method of saving for your retirement. For many of us, it is the largest asset we have, apart from our homes.

With a variety of contribution options, Superannuation can be a complex area for the uninformed. It's important to form a strategy to make the most of the tax concessions, financial incentives and rebates.

Super contribution options

  • Employer Super Guarantee Contributions – 9.5% (until the 2021/22 financial year)
  • Employee – Salary sacrifice contributions
  • Salary forfeited as contributions to super instead of taking as taxable income. From 1 July 2017 employees will also be able to make personal deductible contributions.
  • Employee – Voluntary contributions (after tax)
  • Could be eligible for Government co-contribution payments if other conditions are met.
  • Self employed – deductible contributions or non-deductible contributions
  • Not working and under 65 – (non-deductible)
  • Ability to make deductible contributions will depend on taxable income.
  • Spouse – spouse splitting of spouse contributions, or contributions on behalf of a spouse.

You can view the new superannuation thresholds for 2019/20 here.


By forming a strategy, you may take advantage of:

  • Transition to Retirement (TTR) rules
  • Choice of superannuation
  • Self Managed Superannuation Funds (SMSF)
  • Salary packaging (also known as salary sacrifice)
  • Retirement income streams

How can we help?

To find out more download our Superannuation Advice Brochure, and you can access a wealth of experience and knowledge in superannuation through a Morgans adviser.

With a dedicated technical research team, and regular development opportunities, your adviser is kept up to date with legislation changes, the latest strategies, and ways to make the most of your superannuation.


Contact your Morgans adviser about your superannuation needs, or find your nearest office.

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