{"id":16318,"date":"2024-07-31T19:50:05","date_gmt":"2024-07-31T08:20:05","guid":{"rendered":"http:\/\/quantiphy.com.au\/oldbackup\/?p=16318"},"modified":"2024-07-31T19:50:05","modified_gmt":"2024-07-31T08:20:05","slug":"time-for-a-superannuation-check-up","status":"publish","type":"post","link":"https:\/\/quantiphy.com.au\/oldbackup\/time-for-a-superannuation-check-up\/","title":{"rendered":"Time for a superannuation check-up"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">The new financial year has begun, and with it have come some important changes to superannuation from 1\u00a0July 2024. With these changes coming into effect, it\u2019s a good time to give your super a check-up. Your super could be one of the biggest assets you ever have, so getting into the habit of checking in regularly can help you stay on top of it and make better choices for your future.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">On 1 July 2024, the superannuation guarantee rate increased from 11% to 11.5%. Employer super contributions are calculated on a worker\u2019s ordinary time earnings, for payments of salary and wages. For employers, the maximum super contribution base increased from $65,070 to $62,270 (the limit on what you can earn each quarter before your employer can stop making super guarantee contributions). The concessional super contributions cap also increased from $27,500 to $30,000 and the non-concessional contributions cap increased from $110,000 to $120,000.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The ATO suggests the following steps as a good place to start in giving your super a check-up:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><i><span style=\"font-weight: 400;\">Check your contact details:<\/span><\/i><span style=\"font-weight: 400;\"> Make sure your contact details and tax file number (TFN) are up to date with the ATO and your super fund.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><i><span style=\"font-weight: 400;\">Check your super balance and employer contributions:<\/span><\/i><span style=\"font-weight: 400;\"> Checking your super balance and keeping track of your employer contributions can be done at any time through ATO online services or your super fund. Your employer should be paying your super at least every three months.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><i><span style=\"font-weight: 400;\">Check for lost and unclaimed super:<\/span><\/i><span style=\"font-weight: 400;\"> If you\u2019ve changed your name, address or your job, you may have lost track of some of your super. Lost super is where your super fund hasn\u2019t been able to contact you, or your account is inactive. Unclaimed super is where your fund has transferred lost super to the ATO.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><i><span style=\"font-weight: 400;\">Check if you have multiple super accounts and consider consolidating:<\/span><\/i><span style=\"font-weight: 400;\"> If you\u2019ve ever moved jobs, you might have more than one super account. Each account will charge fees and may include insurance, so combining your super accounts may reduce fees, help you pay only for the insurance you need and make your super easier to manage.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><i><span style=\"font-weight: 400;\">Check your nominated beneficiary:<\/span><\/i><span style=\"font-weight: 400;\"> Make sure you have a valid death beneficiary nomination with your super fund, as this isn\u2019t covered by your will. Check with your fund if there is an expiry on the nomination \u2013 some funds have options where the nominations don\u2019t expire, while most nominations expire every three years. If you don\u2019t have a beneficiary nominated, your fund will follow the law in determining where your super should go.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">You should also take a careful look at how your fund is performing and check that you aren\u2019t paying too much in fees. You might also think about evaluating how your super is being invested \u2013 does it match your stage in life, how much risk you are willing to bear, or even your ethics and values? If you have insurance cover with your super fund, regularly check that it still meets your needs.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Do you have enough super?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The Association of Superannuation Funds of Australia (ASFA) has developed a \u201cretirement standard\u201d which provides a broad approximation of how much super you need in retirement. As of March 2024, as combined amounts for couples retiring at age 67, ASFA suggests:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">$690,000 for a comfortable retirement (providing an income of $72,663 per year); and<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">$100,000 for a modest retirement (providing an income of $47,387 per year).<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">These figures assume that you will draw down all your super, receive a part Age Pension, own your home outright and are in good health. While useful as a baseline, your personal needs may differ significantly.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Many people assume that they will just fall back on the Age Pension if there is not enough in their super. This is definitely a safety net; however, you may not be comfortable on the restrictive budget required to get by on the Age Pension. As at 1 July 2024, Age Pension for a couple is $43,752 per year.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For the most accurate assessment of your superannuation needs, it\u2019s best to seek professional advice. Your adviser can consider factors such as your health and life expectancy, inflation and investment returns, wages growth and taxation, and fees and regular contributions. Professional advisers have access to sophisticated tools and can provide customised forecasts based on your unique situation.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The new financial year has begun, and with it have come some important changes to superannuation from 1\u00a0July 2024. With these changes coming into effect, it\u2019s a good time to give your super a check-up. Your super could be one of the biggest assets you ever have, so getting into the habit of checking in&#8230;<\/p>\n","protected":false},"author":1,"featured_media":16320,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[41,6,43],"tags":[],"class_list":["post-16318","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-accounting","category-news","category-tax"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Time for a superannuation check-up - Quantiphy<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/quantiphy.com.au\/oldbackup\/time-for-a-superannuation-check-up\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Time for a superannuation check-up - Quantiphy\" \/>\n<meta property=\"og:description\" content=\"The new financial year has begun, and with it have come some important changes to superannuation from 1\u00a0July 2024. 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