What We Do

Tax Effective Strategies

  • F59D6216-8D78-4266-B427-712A122C1E4D 25+ Yrs Experience
  • 1719F8D5-2D7E-4476-AB29-3E9D04DFCB82 Holistic Approach to Wealth
    Creation & Wealth Protection
  • 4F988F01-B178-49C8-89D1-34A34DD16CB1 Providing Peace of Mind
  • A0A5B11B-7D99-433F-9CB1-8164A27434C1 Inspiring Lifestyle
    & Financial Freedom
About
Tax Planning Strategies

One of the best features about superannuation is that you pay less tax on both the money you put into your super and the earnings it generates.

Super is typically taxed at when:

  • your contributions enter your fund (certain contributions)
  • your fund earns investment income
  • you withdraw benefits (tax-free if you’re over 60)

The superannuation taxation laws in Australia can be complicated, and change regularly. The system is intended to have low tax rates (a maximum of 15%) for contributions you and your employer make, as well as any investment earnings. And, generally, you will be able to withdraw funds tax-free in retirement (once you’ve reached your preservation age and meet a condition of release).

Once you start accessing your super, you should be in a tax-free environment (taxed at 0%). This means you keep more of your money on an after-tax basis compared to if you’ve been investing in some other structure.

Prior to accessing your super, there are a number of ways you can use super to reduce your income tax.

Book a free initial consultation with our professionals
Book Now

At Aspiri, we have 25 plus years’ experience in financial advice and are up to date with superannuation legislation, trends and strategies. We’ll advise you on the structure of your superannuation, to maximise your income and minimise your tax, setting up so you can access the amount you want to fund your lifestyle.

  • Additional contributions

    One way to increase your super and minimise your tax is to make salary sacrifice contributions and claim a tax deduction for any personal contributions you make to your super fund. You may also be able to add to your super by way of government co-contributions or contributions from your spouse.

    The maximum amount you may contribute to your super every year is known as the contribution cap. If you exceed the limit, you may be charged extra taxes.

    The cap amount as well as any additional tax owing depend on whether the contributions are concessional (before tax) or non-concessional (after tax).

    You can contribute more than the set limits, but you should be aware that any extra money may incur additional tax.

    We’ll look at how to best utilise your super contributions in a way that minimises your tax, depending on your goals and your individual circumstances.

  • Self Managed Super Funds

    Self Managed Super Funds (SMSF) are one of the best structures to minimise tax on your super. With SMSF, you have more control over your assets and investment decisions, which might help you manage the tax position of the fund.

    It is important for each individual to consider their own financial situation before committing to any decisions as a SMSF may not be suitable for you.

Talk to us about how we can minimise your tax using super

Ready to get started?
Fill out this form and we’ll be in touch
Prefer to chat to one of our professionals?
07 3363 5000

"*" indicates required fields

This field is for validation purposes and should be left unchanged.

FAQ

Owi C Img@2x
At Aspiri, we always put our clients first. As a self-licenced financial service, we choose the most appropriate investments based on your individual needs and goals.You get full transparency in how your investments are managed, and ongoing tracking of your financial position. You’ll have peace of mind knowing we are fee-only advisers, so you know our advice will not be compromised by commissions.New technology is rapidly emerging that disrupts both our consumer habits and how we live our day-to-day lives. We keep up to date with these changes, which puts us ahead of the curve with our investment strategies, and also enhances the way we do business with you:
  • We use modern teleconferencing technology for clients located outside of Brisbane, or who are too busy to meet with us in person, so they can stay updated from the comfort and convenience of their own office or home.
  • Our office is as paperless as possible. We use electronic signature software for most paperwork.
  • We keep you updated with succinct video presentations and webinars, rather than sending you lengthy newsletters or emails that you may never get time to read.
Owi C Img@2x
At Aspiri, we always put our clients first. As a self-licenced financial service, we choose the most appropriate investments based on your individual needs and goals.You get full transparency in how your investments are managed, and ongoing tracking of your financial position. You’ll have peace of mind knowing we are fee-only advisers, so you know our advice will not be compromised by commissions.New technology is rapidly emerging that disrupts both our consumer habits and how we live our day-to-day lives. We keep up to date with these changes, which puts us ahead of the curve with our investment strategies, and also enhances the way we do business with you:
  • We use modern teleconferencing technology for clients located outside of Brisbane, or who are too busy to meet with us in person, so they can stay updated from the comfort and convenience of their own office or home.
  • Our office is as paperless as possible. We use electronic signature software for most paperwork.
  • We keep you updated with succinct video presentations and webinars, rather than sending you lengthy newsletters or emails that you may never get time to read.
Owi C Img@2x
At Aspiri, we always put our clients first. As a self-licenced financial service, we choose the most appropriate investments based on your individual needs and goals.You get full transparency in how your investments are managed, and ongoing tracking of your financial position. You’ll have peace of mind knowing we are fee-only advisers, so you know our advice will not be compromised by commissions.New technology is rapidly emerging that disrupts both our consumer habits and how we live our day-to-day lives. We keep up to date with these changes, which puts us ahead of the curve with our investment strategies, and also enhances the way we do business with you:
  • We use modern teleconferencing technology for clients located outside of Brisbane, or who are too busy to meet with us in person, so they can stay updated from the comfort and convenience of their own office or home.
  • Our office is as paperless as possible. We use electronic signature software for most paperwork.
  • We keep you updated with succinct video presentations and webinars, rather than sending you lengthy newsletters or emails that you may never get time to read.
Owi C Img@2x
At Aspiri, we always put our clients first. As a self-licenced financial service, we choose the most appropriate investments based on your individual needs and goals.You get full transparency in how your investments are managed, and ongoing tracking of your financial position. You’ll have peace of mind knowing we are fee-only advisers, so you know our advice will not be compromised by commissions.New technology is rapidly emerging that disrupts both our consumer habits and how we live our day-to-day lives. We keep up to date with these changes, which puts us ahead of the curve with our investment strategies, and also enhances the way we do business with you:
  • We use modern teleconferencing technology for clients located outside of Brisbane, or who are too busy to meet with us in person, so they can stay updated from the comfort and convenience of their own office or home.
  • Our office is as paperless as possible. We use electronic signature software for most paperwork.
  • We keep you updated with succinct video presentations and webinars, rather than sending you lengthy newsletters or emails that you may never get time to read.
TESTIMONIALS
Hico Stars Blue

VIEW ALL

VIEW ALL
Hico Stars Blue
C & L Clapper

“We have been with Aspiri for many years and found that the advice provided has been very professional and in a courteous manner, with sound investment advice around our portfolio.”

C & L Clapper

I & G Vayro

“Since our first meeting with Aspiri more than 10 years ago, our confidence in the Aspiri team has never wavered. The expertise and the personalised advice and interaction they provide us, we feel very sure. Their advice has allowed us the luxury to pursue and now enjoy a lifestyle of our choosing. Thank you Aspiri team, you are all much appreciated.”

I & G Vayro

P. Ewing

“I’ve been with Aspiri for 10 years after having my own self -managed Super Fund since 1988 . Since I retired 5 years ago I have drawn an annual income of over $100k and the balance of my account is what it was on retirement. They must be doing something right.”

P. Ewing

D. Preston

“The Aspiri team have been looking after my financial security for eleven years. They have been extremely supportive, helping me plan my future. As a self-funded retiree, their advice gives me the reassurance that I can go onto my latter years secure in the knowledge that my finances will allow me an ongoing comfortable retirement. “

D. Preston

J & J Conn

“The team at Aspiri have been informative on a regular basis and in an accessible way that allows us as busy professionals with little knowledge of the financial world to feel empowered and confident that our wealth is being well cared for.”

J & J Conn

A. Stewart

“In the time I have been with Aspiri, I have found them to be very good at what they do – they are very efficient and reliable, able to explain financial matters in a clear and simple way as well as having empathy and understanding for my individual circumstance.”

A. Stewart

A. Lee

“I have been a client of the Aspiri team for over 10 years. I can thoroughly recommend the team at Aspiri for providing financial advice for me and my family and for always providing outstanding service with passion and enthusiasm!”

A. Lee

J & E Clancy

“Several years ago we chose Aspiri, to manage our investments. The team are extremely personable, informed and easily contactable. They adjust portfolios in a timely way, based upon shifts in global markets and the client’s goals. We recommend the client-focused Aspiri team, with confidence.”

J & E Clancy

EXPLORE AND LEARN
VIEW ALL
Buying an investment property: a step-by-step guideHow To Buy An Investment Property Apartment

Investing

Buying an investment property: a step-by-step guide

What is an ETF (Exchange Traded Fund)?Graph Showing An Etf

Investing

What is an ETF (Exchange Traded Fund)?

Pros and Cons of Self-Managed Super Funds (SMSF)Smsf Pros And Cons

Investing

Pros and Cons of Self-Managed Super Funds (SMSF)

How much money do you need to retire?How Much Money Do You Need To Retire

Investing

How much money do you need to retire?

Book a free initial consultation with our professionals
Book now
Logo
Book a Consultation 07 3363 5000
Book a free consultation today

Share This

Select your desired option below to share a direct link to this page.
Your friends or family will thank you later.