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Superannuation   (Site not responding. Last check: 2007-10-19) Superannuation is a tax-advantaged investment vehicle, which “holds” assets and generates income for your retirement. The superannuation guarantee requires all employers to provide super for their employees at a rate of 9% of your salary, as at July 2002. A DIY superannuation fund is an individual, family or small business-based fund that consists of one to four members. www.count.com.au /FAQs/super_general.htm   (1747 words)

Financial planning, investment, superannuation and mortgages All tax deductible contributions made to superannuation funds by or on behalf of high income earners are subject to a surcharge of up to 15% payable by the funds. Whilst superannuation is extremely important in your overall retirement planning, it must be remembered that tax advantaged contributions you make will be locked away (preserved) until you are at least age 55 and you must be retired. Superannuation and rollover funds are tax advantaged as the maximum taxation rate is limited to 15% on income earned. www.directadvisers.com.au /superannuation.htm   (2324 words)

Guide: Superannuation - moneymanager.com.au Superannuation contributions are taxed at 15 per cent on the way into the fund, and superannuation fund earnings are also taxed at 15 per cent. Generally, most of your superannuation contributions must be held in a superannuation fund or RSA until your earliest retirement age, which is at least 55. Some superannuation pensions are reversionary, that is the pension becomes payable to another person (usually a surviving spouse) on the death of the fund member. moneymanager.smh.com.au /investing/guides/super_guide.html   (4646 words)

Australian Government, The Treasury   (Site not responding. Last check: 2007-10-19) Additionally, it is responsible for modelling and analysis of the impacts of government policy on household units as well as the public finance consequences of demographic trends and population ageing. APRA's role with respect to superannuation is to ensure that trustees are aware of their obligations to members and manage the funds in their care prudently in the interests of members. ASIC also oversights the Superannuation Complaints Tribunal, which provides consumers with access to an effective and expeditious means of redress in the event that they believe that a decision of a trustee or other decision maker is unfair or unreasonable. treasury.gov.au /content/superannuation.asp?...&titl=Superannuation   (444 words)

Lawlink NSW: 7. Superannuation For example, superannuation will be treated as property and as such be available for distribution where the parties or one of them is the trustee of a private superannuation fund and can easily access their entitlements without suffering any detriment. Assuming that the court is satisfied by evidence that she contributed to his superannuation, she may be entitled to a further property adjustment based on what the court considers to be her fair share of the superannuation entitlement. Superannuation was not taken into account in the adjustment process, despite the fact that the plaintiff’s superannuation entitlements grew from some $800 to $8,000 during the period of the relationship because the Master found that there was no clear evidence that the defendant contributed to the increase. www.lawlink.nsw.gov.au /lrc.nsf/pages/dp44chp7   (13592 words)

Superannuation Australia | Retire Comfortably   (Site not responding. Last check: 2007-10-19) Superannuation is a means of saving for your retirement with the added bonus of tax concessions. In times gone by, people could expect to live only a handful of years after they retired and their bank savings supplemented by the pension were probably sufficient to see them through. In certain circumstances super contributions will be subject to the superannuation contributions Surcharge, which may be up to 15% of the contribution. www.crownhomeloan.com.au /superannuation.php   (830 words)

Superannuation   (Site not responding. Last check: 2007-10-19) It is basically up to your employer to nominate your employment superannuation fund although, if you are covered by an award, you may be able to choose a fund specified in the award. Before deciding on which superannuation fund to pick, it is very important that you find out the benefits offered by all the funds for disability and death payments and whether there are any restrictions on the payments such as health questions or HIV exclusions. Even though a superannuation fund only pays you a disability benefit when they think that you can't ever go back to work, if your health improves and you feel you can go back to work, there is nothing to stop you from doing so. home.vicnet.net.au /~positive/superann.htm   (2564 words)

ASFA - Home   (Site not responding. Last check: 2007-10-19) Disclaimer: This website is intended to keep readers informed of current developments in superannuation and is not intended to be used as a substitute for professional advice. The Association of Superannuation Funds of Australia Limited expressly disclaims all liability and responsibility to any person who relies, or partially relies, upon anything done or omitted to be done by this service. Copyright 2005 The Association of Superannuation Funds of Australia Limited. www.asfa.asn.au /home/rpm.cfm?page=main   (181 words)

Superannuation Superannuation is controlled by federal legislation, although State public sector superannuation schemes are often also controlled by their own separate Acts (see below for recent Victorian reforms). Recent legislative changes to a number of Victorian public sector superannuation schemes mean that your same-sex ‘domestic partner’ can benefit from your superannuation when you die, provided you were living together as a couple on a genuine domestic basis at that time. Superannuation death benefits paid to a deceased’s dependants are tax-free up to a certain limit (currently over $500,000). www.over-the-rainbow.org /main/topic12_2.htm   (896 words)

Setting up Superannuation in MYOB   (Site not responding. Last check: 2007-10-19) Displays any superannuation expense and deduction accruals created from payroll runs for all or a selected superannuation payroll category, within a given date range. Displays any superannuation expense or deduction accruals created from payroll runs for all superannuation funds or a selected superannuation fund, within a given date range. Displays any superannuation expense or deduction accruals created from payroll runs for all employees or a selected employee, within a given date range. www.geocities.com /einfoimguide/setupsuper.html   (468 words)

Superannuation   (Site not responding. Last check: 2007-10-19) The purpose of this legislation is to allow a member of a superannuation fund to split superannuation contributions made on their behalf with their spouse. Going forward, superannuation will be one of the most valuable assets left behind on the death of Australian adults at most ages, whether or not they are in the workforce at the time. Under new laws that came into effect on 1 July this year, preserved superannuation moneys can now be accessed by fund members once they have reached preservation age, regardless of whether or not they have formally retired or satisfied some other condition of release. www.cch.com.au /fe_topic_home.asp?display_tab=2   (642 words)

Superannuation The Association of Superannuation Funds of Australia (ASFA) is a non-profit, non-political national organisation whose mission is to protect, promote and advance the interests of Australia's superannuation funds, their trustees and their members. Lost superannuation monies are generally transferred to the Unclaimed Money Register after a lost member has died, or reached eligibility age (65 years for a man and 60 years for a woman) and a benefit (other than a pension or annuity) is immediately payable. The Superannuation Complaints Tribunal (SCT) is an independent tribunal set up by the Commonwealth Government to deal with complaints about superannuation funds, annuities, deferred annuities and retirement savings accounts (RSA's). www.itsyourlife.com.au /money/superannuation.htm   (298 words)

National Australia Bank - Superannuation Superannuation refers to the accumulation of wealth while you are working, to help meet the cost of living when you retire. In Australia, superannuation investments are eligible for special tax concessions that are not available to other types of investments. MLC MasterKey Superannuation is an investment solution which is catered towards the needs of individuals and small businesses.  Click here to view information about MLC MasterKey Superannuation. www.national.com.au /Personal_Finance/0,,9513,00.html   (370 words)

GayLawNet - GayLawNews by Subject - Superannuation 'The Superannuation (Entitlements of Same Sex Couples) Bill 1998', which was developed and introduced earlier this year by the federal Labor member for Grayndler, Anthony Albanese, redefines de facto couples as those living together on a genuine domestic basis, regardless of their sexuality. Brown was denied access to the superannuation funds of his partner of 10 years, Robert Corva, who died in 1993. Under current legislation, same-sex partners are not entitled to the same superannuation benefits as heterosexual couples — married or de facto — despite making identical superannuation contributions. www.gaylawnet.com /news/1998/su98.htm   (594 words)

Superannuation   (Site not responding. Last check: 2007-10-19) Tasmanian employers are required to observe superannuation obligations which may be found in most awards. In some cases (depending on the award) the employer may be required to make a contribution to an occupational superannuation fund at a different level than is required under the Federal legislation. Employers should carefully read the superannuation provisions in the award, and also obtain advice from the Australian Taxation Office to ensure they meet all obligations. www.wst.tas.gov.au /resource/wstsuperannu.htm   (152 words)

AMP's superannuation products - AMP   (Site not responding. Last check: 2007-10-19) Superannuation is a way of investing to help you achieve the income and lifestyle you want in retirement. SuperLeader is for employers who don't need to contribute to a particular fund under an award of industrial agreement and want a simple and cost effective plan. Making 'Choice' easy for you - from 1 July 2005 you may have the choice of where to invest your superannuation... www.amp.com.au /au/3column/0,2338,CH5061_NI9662_SI56,00.html   (404 words)

Government Policy on Pre-funding New Zealand Superannuation - Ministerial Release - The Treasury The New Zealand Superannuation Act 2001 requires the Minister of Finance to periodically appoint an independent reviewer to review how efficiently and effectively the Guardians of New Zealand Superannuation is performing its functions. The board of the Guardians of New Zealand Superannuation is the Crown entity responsible for management of the New Zealand Superannuation Fund. The New Zealand Superannuation Act 2001 was passed on 10 October 2001 and it is now in force. www.treasury.govt.nz /release/super   (1555 words)

Family Law Superannuation Software   (Site not responding. Last check: 2007-10-19) Busy judges and federal magistrates, registrars, legal practitioners, forensic accountants, financial planners and government and superannuation professionals can perform and fully document valuations instantly. They can respond faster to client and court needs and rapidly identify any further instructions that will be needed from the client or superannuation trustee. User feedback is welcomed and encouraged for continuous improvement and value to your professional sector. www.lawtech.com.au /index.cfm?id=6   (1542 words)

Superannuation Home APRA supervises complying superannuation funds other than Self-Managed Superannuation Funds (supervised by the Australian Taxation Office). Towards assisting trustees to manage superannuation funds prudently and in compliance with applicable requirements, this section of APRA website provides relevant information. Trustees are encouraged to seek independent advice in relation to specific issues and also refer to other regulatory agencies in respect of their areas of responsibility (such as Australian Securities and Investments Commission for disclosure and market conduct issues). www.apra.gov.au /Superannuation   (77 words)

Democrats back off same-sex super battle - National - www.theage.com.au The Australian Democrats have signalled that they will back down on their demand that gay couples be given equal rights on superannuation, clearing the way for a $920 million Government superannuation package to pass through the Senate. But Democrats superannuation spokesman John Cherry now says his party is preparing to leave same-sex rights to another day. A spokeswoman for Revenue Minister Helen Coonan said the legislation would be in the House of Representatives early next week and would return to the Senate soon for final consideration. www.theage.com.au /articles/2003/10/02/1064988349800.html   (513 words)

Superannuation Products Small to medium sized businesses who want a fully featured superannuation solution with wide investment choice, that is easy to use, great value for money and offers expertise, stability and security. Employers who want to set up a superannuation plan for their employees. Large employers with over 250 employees who require a fully featured superannuation offering that is easy to use and provides great value for money. www.anz.com /aus/fin/super/products.asp   (452 words)

Australian Unity - Investment Services - Superannuation and Retirement Superannuation provides a means of saving for retirement over your working life. It allows employers to meet their superannuation obligations and provide their employees with an effective and flexible superannuation fund - without the usual administrative burden. The information is provided for persons in Australia only and is not provided for the use of any person who is in any other country. www.australianunity.com.au /au/inv/investments/super   (529 words)

Importance of Superannuation, Superannuation services and advice, Retirement planning, Retirement funding, saving for ...   (Site not responding. Last check: 2007-10-19) As the Australian population grows older, the government is less able to provide an income for them when they leave employment to retire. The legislation that governs superannuation is very complex and often changes so many people do not make the best use of their benefits or the tax concessions that super can provide. View the most up-to-date superannuation rates, reasonable benifit limits, super surcharge, ETP components and tax rates upon withdrawal www.count.com.au /Our_Services/our_services_2.htm   (258 words)

Australian Primary Superannuation Fund -Home The Australian Primary Superannuation Fund is the largest specialist provider of superannuation to employers and employees primarily operating in the agricultural and seafood sectors, throughout rural and regional Australia, and in coastal areas. The advice contained on the Australian Primary Superannuation Fund (incorporating HortSuper and the Australian Hardware and Timber Industries Superannuation Plan (AHTIS)) website does not take into account any persons particular objectives, needs or financial situation. Before making a decision regarding the acquisition or disposal of a financial product, persons should assess whether the advice is appropriate to their objectives, needs or financial situation. www.australianprimary.com.au   (398 words)

Superannuation   (Site not responding. Last check: 2007-10-19) Busy judges & federal magistrates, registrars, legal practitioners, forensic accountants, financial planners and government and superannuation professionals can perform and fully document valuations instantly. At last, you can obtain professional family law superannuation valuations that won't cost a small fortune. We use the latest version of SuperSolver Professional Software to efficiently construct accurate reports, and we pass the cost savings on to your client. www.lawtech.com.au /index.cfm?id=13   (557 words)

HESTA Superannuation Fund - Specialists for Health and Community Services HESTA Superannuation Fund - Specialists for Health and Community Services HESTA is the national industry superannuation fund for people in Health and Community Services, with $8 billion in assets, 500,000 members and 33,000 employers. For more information about HESTA, call 1800 813 327 for a copy of our Product Disclosure Statement which should be considered when making a decision about the Fund. www.hesta.com.au   (129 words)

Suncorp Superannuation Registered members and employers enjoy online access to superannuation accounts. Suncorp Personal Superannuation offers Easy Super Personal Superannuation, Easy Super Allocated Pension and Easy Super Term Allocated Pension products. Find out how to apply for your superannuation cover. www.suncorp.com.au /suncorp/superannuation.html   (124 words)

Superannuation Index These Superannuation pages are primarily designed to provide superannuation information to Australian Government agencies, in their role as employers, and to assist agencies through identifying other sources of advice on superannuation and related matters. page of this site provides some information for Australian Government employees, however, employees with questions on their superannuation should, in the first instance, contact their human resource area for assistance or visit the If you can't find what you are looking for on this site or you would like to know more about the Superannuation Branches you can email the www.finance.gov.au /super   (94 words)

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