Is it the right time to salary sacrifice?

When you salary sacrifice to superannuation you and your employer agree to earmark a portion of your salary for your employer to contribute to superannuation for you. These contributions to superannuation will be made at the same time as your employer makes your superannuation guarantee payments or at other times if you make that arrangement.

As with anything, there are advantages and disadvantages.

(more…)

Who gets your super?

Who decides what happens to your superannuation savings when you are not around anymore? You may think that you do, but that isn’t always the case. The ultimate decision may be made by someone you don’t even know – the trustee of your superannuation fund. Let’s look at how you can have greater control.

(more…)