Superannuation is the most tax-effective retirement savings vehicle for almost everyone.

Superannuation has four main tax advantages

• Tax deduction is possible if you are self employed and contribute to super
• Superannuation funds pay concessional rate of tax of 15%
• With careful planning, it is possible to pay little or no tax on income payments from super
• Pay less tax through salary sacrifice. Contributions will be taxed at 15% (plus the superannuation surcharge if applicable) rather than the marginal rate.

In the past decade, retired people dependent on the Age Pension have generally received an income of around 30% of their pre-retirement average annual income.

Would you like to live on 30% of your current income?

At MyState Financial our Personal Advisers and Financial Planners recognise that superannuation is complex and can be confusing when making life changing choices. That is why we look at your whole financial situation before offering honest professional advice.

For expert financial advice, call 138 001 to make an appointment with our highly qualified Personal Advisers or Financial Planners.