We identify two phases in the superannuation process:
Accumulation phase is the period in which you can grow your superannuation investment portfolio for your future retirement. You are entitled to compulsory contributions from your employer or if you are not working you can make concessional contributions from your investments.
It is important to understand the difference between concessional (pre-tax) and non-concessional contributions (after tax). There are rules and caps regarding both.
For employees, concessional contributions are composed of the compulsory employer contributions and any salary sacrifice. Please visit our SMSF page for more options or contact us.
Pension phase is the period in which you “drawdown” from your superannuation fund and provide yourself with an income or “pension” or lump sum benefit. Please visit our SMSF page for more options or contact us.
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