Game-changing superannuation tips for couples
4 November 2024
Are you looking forward to your retirement? If you’re part of a couple, sharing your super could be a game-changer, with potential tax benefits and earlier access to funds. Which means you may be able to retire sooner. It’s an exciting opportunity to improve your lifestyle in retirement.
If you tick all the boxes for the ATO to call you a ‘spouse’, you and your partner can share money in your super accounts.
Listen in and you’ll learn:
- Is it smart to share your super?
- Why can’t my spouse and I have one combined super account?
- What are the benefits of sharing super?
- What is a spouse contribution?
- How does spouse super splitting work?
- How much super can I share?
- Super sharing strategies
- Maximising Age Pension, if you have an age gap
- Transfer balance cap strategies
- Carry-forward rule strategies
- Recontribution strategies
- What happens to my super if I separate or divorce?
Jump in and listen now. But just before you do, we’d love to invite you into our Super Insider community. Subscribing to Super Insider today means you’ll never miss an episode. And it’ll help us make the podcast even more valuable for you.
The links to subscribe are below. We hope you enjoy the episode.
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The opinions and comments shared by people in this podcast are theirs alone, and they’re not necessarily shared by the Trustee. It uses information that’s accurate at the time of publishing.
This is general information only. It’s not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination at art.com.au/pds before you make any decision about our products. And if you’re still not sure, talk with a financial adviser.
We issue this information and all Australian Retirement Trust products. When we say ‘we’, ‘us’, or ‘the Trustee’, we mean Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975), trustee of Australian Retirement Trust (ABN 60 905 115 063) (‘the Fund’ or ‘ART’). Any reference to "QSuper" is a reference to the Government Division of the Fund.
Any advice given is by representatives of ART Financial Advice Pty Ltd (ABN 50 087 154 818, AFSL 227867), wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Services Guide at art.com.au/fsg to tell you about that advice and how they’re paid.