“When you move to an allocated pension… earnings become tax-free, withdrawals become tax-free… you can re-contribute it to super”
MI
Matt Ingram
Equity Mates Investing Podcast ·
Nathan Fradley · Retire Right · 445 Cash vs super at 63, private credit risk & exiting a property portfolio
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suggest the couple transition the husband's super to pension phase to reduce tax on earnings
“When you move to an allocated pension… earnings become tax-free, withdrawals become tax-free… you can re-contribute it to super”
“At the moment, you can have up to $2.1 million in the working phase of superannuation, which is called the accumulation phase. And when you stop working, you can transfer that up to $2.1 million per person over to the very generous tax-free phase of super”
“When you're comparing the SMSF, it's 15% tax when you're at accumulation phase. And then, you know, when you sell the property, especially if it's in your retirement phase, then you pay $0.”
“You can’t have own occupation inside super, and we like to have life and TPD inside super just because it’s tax deductible”
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