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Not for me.

When you talk of fees, you should give a range from pension to SMSF say $5,000???

I am looking for ways to optimize my Age Pension entitlements while ensuring legal compliance, I have heard from TH-cam channel which is to move my super to my younger spouse in order to legally hide money from Centrelink Age Pension. I already at Age Pension age while my partner is several years away. I just want to found out for Centrelink purposes, will this action (withdraw super as a lump sum and make non-concessional contribution directly to my spouse’s super account) to be seen as Gifting? Thanks for your kind advice.

Annoying stupid ad

Very well explained and covered all the common questions.

Completely failed to detail the tax implications for non dependents who are beneficiaries - huge issue for adult children of last surviving parent.

Vrau.bani.mej.ches.990.billion.lire.data.12.jul.2024

very interesting good to learn about age gaps in partnerships because it effects a lot of us cheers

If I am not misunderstanding you are talking about $110k contribution is concessional contribution (after tax), there is not any tax advantage compared to before tax (non-concessional contribution). I am 60 now, If I just sold my investment property and made $400k capital gain and I want to put $330k into my super I still need to pay this $400k (50% of it) at normal CGT, only after applied that tax rate lift over I can put into my super, this $330k cap is not going to help me reduce my CGT, so what is the point? I need a strategy to help me pay less CGT

If my husband has an income stream account already does it make sense to draw more from that rather than accessing mine as a transition to retirement as I'm not of pension age and it would then impact his pension amount

Obviously superannuation is a scam because how come there’s no growth.? Most superannuation funds primarily invest in shares. Ordinary Australians can do the same thing by setting up a brokerage account and buying shares with their spare money. At retirement age, investors are typically focused on generating passive income. So, they tend to invest in ASX dividend shares, preferably with full franking. As we've reported, if you invested $5,000 per year in ASX shares from age 20 to 67, you could have a retirement income portfolio of $1.5 million delivering a passive income stream of $100,000.

The most cringe and lame commercial I have seen 🤮

Super should be buying home and renting them back to members. Capital growth, rental income. Benefits members and the fund !!

I am over 67 years old. I recently sold my investment property. I want to set up an income stream with my super. How do I claim my tax deduction

1% fees in super…..0.1% in an ETF….the super system does a terrible job of smoothing out your lifetime income…it takes money away from those who need it young and subsidises those that don’t later on. Government super subsidies are equal to what they pay in pension. We could double the pension for all as a universal base income. If super can compound, so can the governments ability to tax later.

When we illegally go into the central banking digital currency because the people never voted for it , I would believe that our super is included in this corrupt agenda

Where have I seen Sue before?

How does it work if you are in you late 60's (overseas) self employed and want to dump a large amount of money (sale of your business) into your super in order to start withdraw in your 70's?

I dislike the woke introduction. Its just not necessary.

If I was greedy and keep my pension in high growth and took my 5% once a year trying to pick market highs. Where will that. 5% come from? Can I choose to receive it from cash part and rebalance when there is a market high in the second half of the year when the balance has had a chance to grow. While keeping 3 years of emergency funds safe in the bank because super is full at TBC. Thank you for your advice.

Very interesting and informative ☑️

The welcome to country was very respectful. Thank you.

what’s the name of the actors ‘sue’

HAHAHHAHAHAHAHHAHAHAHHAA

After a few mergers over the years which resulted in my wife's super being passed around several providers, she is now with Australian Retirement Trust, and after watching this video I am glad she is with them, and hope there are no more mergers which will force her to another provider.

Why am I paying 1% on fees when I could buy ETFs and pay .1%? A lot of fat in these super funds. Since the merge, my fees haven’t changed and my insurance has not either. Cut the costs further, pick up the phone and call the insurance company and “get a better deal”

Why am I paying 1% on fees when I could buy ETFs and pay .1%? A lot of fat in these super funds.

Ok probably don’t need the notebook and laptop. I love to listen to the show.

Low performance and low returns due to High admins costs and fees. ART CEO looks too roly-poly on the panel.

If you have $1,900,000 in your super pension phase and invested in high growth 33% Australian share 33% and international shares 34%. With $300,000 in the bank (cash ) for emergency money making 5% tax free. How much are the fees charged from your super? Compared to a S&P ASX200 ETF in SMSF? Thank you for your number?

Enjoyed the series & thank you for your breakdown May I ask when you hit preservation age 60 plus can you go abroad let say for 4 to 6 months a year for travel & come back. What impact will be felt & will my superfund be hindered because of it?

Hello Art Team, The video really got me thinking about the insurance aspect of my super, something I hadn't explored fully. Maybe a video on that could be helpful for other members, what its for, how to access it and what it covers and can we cancel the insurance or is baked into super offering. I've been happy with my ART Super since 2018 when I started looking into it seriously. Despite losing $8.5K during COVID, I stayed committed, and by 2022, my investment in the Balanced Pool paid off big time, with my balance now comfortably exceeding $200K. To those reading consider your super strategy-even a small salary sacrifice like mine ($50 to start) can make a difference. In 2020, I increased it to $125 after realizing I was spending $80-90 monthly on coffee. Redirecting portion of that money into super was a smart move, I still enjoy coffee but not 3x capuccinos (large) a day and in 2024 I increase my salary sacrafice to $150pm and choosing the investment option for me (Balance Pool) being relatively young I can tolerate the risk especially with retirement alittle way off another 25-30years. In the long run the compounding interest should increase my balance over time. I probably wont have enough in retirement but at least I will have something, I always think of super as savings account that I cant touch till I retire haha. Using the app has been convenient, with biometric login and easy balance checks. I particularly like seeing my investment earnings on a yearly basis and the graph is cool feature a great visual to see how your super balance has increase over the years.

Excellent contents, thank you, especially the examples on how to apply the different super rules to optimise our balance

This sounds so convaluted and not explained very well or simply how super can be used. Sometimes I think these are meant to be convaluted so you don't acctually access the money for the said scheme. Like why don't you just say " Personal contributions / Salary Sacrafice is the money portion of super you can access and go from that point. After all it is what the video is about. But the reality for many australian's SS / Per Contributions isn't gonna really help much towards a deposit, given most properties in Australia are 900K$ and up or single income. Anyway I just think these kinds of topics should be more thought out and clearly structured and simple.

Re: Recontribution strategy - Where on the ART website can I find out what % of my account is Taxable and Non-Taxable?