|Alert - 13th June 2007||Home My Portfolio My TrailCap Search Email us|
Superannuation is important
Next to your first home purchase, superannuation is one of the most important investment decisions that you will make in your lifetime. Generous tax benefits available both when you contribute to super and during retirement, mean that money invested can last many years longer in retirement than if it was invested in the same way outside super.
It may come as a shock to you that InvestSMART’s policy of rebating 100% of entry fees applies not only to managed funds, but also to retail superannuation funds. Not only that, our TrailCapTM program applies to superannuation funds as well.
As part of our special bulletin today, we are offering you and your family TrailCapTM 50/50 until the end of the June 2007. By registering all of your family’s existing managed funds, superannuation and allocated pension investments under our unique TrailCapTM program, we will share with you 50/50 all commissions we earn from these investments* in the next 12 months. To start the process, please fill in our Fund Broker Nomination Form and fax it back to us on 1300 880 260 ASAP.
Fax back your TrailCapTM form
Invest in managed funds, superannuation and allocated pensions through InvestSMART and get 100% rebate on entry fees and register all your existing funds with TrailCapTM so you can effectively reduce your management fees through a simple annual cash back!
Maximise your Undeducted contributions pre 30 June 2007
The Federal Government has made significant enhancements to superannuation; you can contribute up to $1,000,000 before 1st of July 2007. After this date the cap is reduced!
The Super Co-contribution is an Australian Government initiative to assist eligible individuals to save for their retirement. Based on current thresholds, if your total annual income was $28,000 or less the Government will match every $1 of your personal super contributions with a $1.50 co-contribution - up to $1,500.00 a year.
You can make an agreement with your employer to pay part of your pre-tax salary directly into your super account. Your salary sacrificed contributions are paid as employer contributions to a complying superannuation fund or retirement savings account.
Super Sneaky 31.5 per cent Tax
Just when you thought superannuation was a safe low tax investment, along comes a sneaky new 31.5 per cent tax on employer contributions.
Review your asset allocation
Strong equity markets domestically and elsewhere may have distorted your portfolio and, as a result, changed your asset allocation so it no longer reflects your risk profile.
Remember to invest through InvestSMART and get your 100% rebate on entry fees and register all your existing funds with TrailCapTM so you can effectively reduce your management fees through a simple cash back!
Lost super and multiple accounts is an unnecessary cost
Latest research from ASFA – The Voice of Super – has found that while a recent Choice report significantly overstated the incidence and costs of unwanted multiple and lost superannuation accounts, there are no grounds for complacency on the part of funds.
Ensure you have a Binding Nomination in place – contact your Super fund
A Binding Death Nomination ensures the remaining Trustees of your Fund pays your Superannuation Benefit as you intend and not at their discretion.