Mathon Capital
Mathon Capital is a full service investment advisory, join us and reach for the highest summit.
Retirement Planning
Planning for retirement can be an exciting experience, if begun early or an overwhelming experience, if begun late. Mathon Capital's specialist retirement planners will provide you a detailed strategy to achieve your objectives in retirement. Mathon Capital will ensure you understand the strategies available to you, to ensure you can maximise your income and benefits in retirement and minimise your tax liabilities. Our ongoing service will ensure you stay informed of any legislative or market changes that effect your entitlements. Invite Mathon Capital to be part of your retirement planning team today.
The sooner you start planning for retirement the better your lifestyle will be in the years you have worked so hard for.
It is never too late to start planning.
Click on your year group
16 - 30 Years Old 30 - 50 Years Young 50 - 55 Years Young 55 - 60 Years Young 60 Years Plus and Just Warming Up
16 - 30 Years Old
Young clients are always advised to save hard for their first home deposit before making excess contributions to superannuation via salary sacrifice. The benefits are proven. However learn to become excited about super, the difference in an increased return of just 2% per annum can create hundreds of thousands of dollars of difference over your lifetime. You are entitled to 9% SGC contributions on your wages or salary, if you earn over $450 per month, that is paid by your boss. Make sure you are paid. Make sure you consolidate all your super accounts into one fund to save on fees.
Ensure your super funds are invested in the high growth default fund provided by your super fund or ask your Mathon Advisor to tailor your super.
As a young Australian it is important to remember that the future is in Asia, not Europe or America and geographically Australia is in Asia, get excited.
You can have a choice of how your funds are invested. You can access ASX listed shares, offshore funds, commodities and GOLD ETF. Learn how you can Grow Your Super.
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30 - 50 Years Young
Salary Sacrifice can be a tax effective way to save for retirement. If you earn over $35,000 your marginal tax rate is higher than 15%, therefore you can benefit from salary sacrificing your salary into superannuation. All Australians under 50 may contribute up to $25,000 and receive a full tax deduction to their business if self employed. Wow, a tax deduction for saving, how good is super!
As a young Australian it is important to remember that the future is in Asia, not Europe or America and geographically Australia is in Asia, get excited. You can have a choice of how your funds are invested.
You can access ASX listed shares, offshore funds including China, Taiwan, Hong Kong, commodities and GOLD ETF inside your super, with out the need to set up a SMSF .
New Super Legislation allows gearing inside super, for both Shares and property. Learn how you can Grow Your Super.
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50 Years Young +
Now super gets exciting. All Australians over 50 may contribute up to $50,000 and receive a full tax deduction to their business if self employed.Salary Sacrifice can be a tax effective way to save for retirement and the funds you are putting into super will be available within 5 years if born prior to July 1st 1960. Now you can really ramp up your savings, your kids have left and you are at the top of your earning power. If you earn over $35,000 your marginal tax rate is higher than 15%, therefore you can benefit from salary sacrificing your salary into superannuation.
Wow, a tax deduction for saving, how good is it to be Australian!
New Super Legislation allows gearing inside super, for both Shares and property. Learn how you can Grow Your Super.
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55 Years Young + Transition to Retirement Strategy
If you are 55 and still working there are some tremendous tax advantages that may be available to you today. Recent super legislation changes allow you to boost your retirement savings or increase your income right now. You are eligible to receive a Transition to Retirement pension, up to 10% of you Super balance. This income receives a tax credit of 15% and will be taxed at your marginal tax rate, minimising your current tax liability. This will free up income to really ramp up your salary sacrificing strategy.
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60 Years Young and Just Warming Up
Does life get any better? Yes, if you are an Australian, over 60 and still working your Transition to Retirement pension is tax free. Well technically, it is taxed at 15%, however you still get the tax credit of 15%, making your Transition to Retirement pension completely tax free after 60 and you can keep working and contributing to super, right up to age 75, if you love your work.
How good is this! Invite Mathon Capital to be part of your financial team today.
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So Now What?
Well if you have read this entire page, you are in for a treat; because when you retire you have 2 options.
Option1:
Receive your super as a lump sum at 60, tax free. If you choose this option remember you will have to invest these funds and pay tax on the income.
Option 2: Receive a pension from your retirement savings that is tax free, on all earnings, capital gains, and distributions.
How good is that! People have been known to smuggle cash and gold to tax havens in Switzerland and the Caribbean, for tax rates like that and all you have to do is start saving now, right here in Australia. We Really are the, "Lucky Country."
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The information contained on this website is of a general nature only. Whilst every care has been taken to ensure the accuracy of the content, Mathon Capital or its licensee bear no responsibility or liability taken by any persons, persons or organisation on the purported basis of information contained herein.
Without limiting generally the foregoing, no person, persons or organisation should invest monies or take action on reliance of the material contained herein without first seeking professional advice, that has considered your specific circumstances.
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