Get pumped for your future

Couple in the park
Couple in the park

Get pumped for your future

 

Adding money to your super after your get paid could be an effective way to pump up your super and maybe claim a tax deduction

Just top it up before 30 June 2019 to benefit from this year’s contribution limits.
Super tip: We recommend getting your top up in early, by 17 June 2019 so you don’t miss out.

What are contribution limits?

 

Contribution caps or limits are the amounts that you can add to your super each financial year. The government has rules and limits on these amounts as well as the tax benefits available. It’s worth knowing what these are, so you don’t pay extra tax.

Make an after tax contribution

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Voluntary contributions
(after tax)

You may be able to contribute up to a limit of $100,000 pa, as long as your super balance is under $1.6 million.
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Spouse Contributions
(after tax)

If your spouse earns less than $37,000 p.a and you make a voluntary contribution into their super, you may be eligible to receive up to a maximum 18% tax offset (up to $540 on that contribution) pa.
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The ‘Bring-forward’ rule
(after tax)

For the financial year 2018/2019, if you’re under 65 it’s possible to make up to $300,000 (after-tax) contributions in a single financial year without exceeding the after tax contributions limit, depending on your circumstances. These rules can be a bit complicated and are based on your own circumstances. Chat with one of our Rest Advisers* today for more information.

Need help growing your super?


With our help and advice on your side, it’s easier to feel confident about your financial future. Have a chat with a Rest Adviser* and see how you can get your contributions working harder.

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*Rest Advice is provided by Rest advisers as authorised representatives of Link Advice Pty Ltd ABN 36 105 811 836 AFSL 258145

As we have not taken into account your circumstances, please consider whether this information suits your needs. Go online for a PDS to consider before deciding. This information is provided by Retail Employees Superannuation Pty Ltd ABN 39 001 987 739 as trustee of Rest (Retail Employees Superannuation Trust ABN 62 653 671 394). Current as at April 2019.

This website is provided by Retail Employees Superannuation Pty Limited ABN 39 001 987 739, AFSL 24 0003, trustee of Retail Employees Superannuation Trust ABN 62 653 671 394, of which Rest Super, Rest Corporate, Rest Pension and Acumen are part. It contains general advice that has been prepared without taking account of your objectives, financial situation or needs. Before acting on the information or deciding whether to acquire or hold a product, consider its appropriateness and the relevant Product Disclosure Statement (PDS), which is available on this website.

Rest Advice is provided by Rest Advisers as authorised representatives of Link Advice Pty Ltd ABN 36 105 811 836 AFSL 258145

Awards and ratings are only one factor to consider when deciding how to invest your super. Further information regarding these awards can be found at Rest.com.au/about-Rest/awards. Past performance is not an indicator of future performance. SuperRatings Pty Limited does not issue, sell, guarantee or underwrite this product. Go to www.superratings.com.au for details of its ratings criteria. For further information about the methodology used by Chant West, see www.chantwest.com.au