Sponsor White Paper: Investment bonds – tax effective alternatives to superannuation

Introduction

Superannuation is a proven tax-effective vehicle for long-term retirement savings. Currently both contributions and investment earnings (in accumulation phase) are concessionally taxed at a rate of 15% for people with taxable incomes less than $180,000 (or 30% for those over $180,000).

However there is no certainty that superannuation’s current tax benefits will remain in the medium to long term with superannuation flagged as a key component of the Commonwealth Government’s broader tax system review. An increase in tax payable on either superannuation contributions or earnings would clearly reduce its appeal as a retirement saving vehicle.

Continue reading the full White Paper, Investment Bonds: Tax-effective alternatives to superannuation, is available here.

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Sponsor White Papers

Wikipedia defines a White Paper as “an authoritative report or guide informing in a concise manner about a complex issue and presenting the issuing body’s philosophy on the matter. It is meant to help readers understand an issue, solve a problem, or make a decision.”

Cuffelinks includes this section to allow our sponsors to share their longer research or opinion pieces with our audience without editing or comment by us. They are provided for general education purposes and do not address the specific needs or circumstances of any investor.

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