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Contributing to Superannuation

Superannuation remains the best available form of an individual retirement savings plan, in spite of continuing government changes.

Superannuation retains its favored position mainly due to tax concessions allowed by the government as an encouragement to fund your own retirement.
Unfortunately, compulsory super has lulled many people into a false sense of security.  They feel that their compulsory super will adequately cover their retirement needs.  The trouble is that compulsory super has not arrived soon enough to fully help most people.  For those who are say aged 30 or over, additional retirement savings will, in many cases, be required.
The self-employed who are not taking a wage have to fully provide their own super.
If you are intending to make a super contribution, some of the many questions arise:
• Am I contributing an adequate amount to fund my retirement?
• Are salary sacrifice contributions to super a good idea for me?
• Should I have my own self-administered super fund?
Answering this sort of question is very important, no matter your age.  The sooner you start the better but, in almost every case, asking for some professional assistance does help.  

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