{"id":7840,"date":"2017-11-05T15:33:05","date_gmt":"2017-11-05T05:03:05","guid":{"rendered":"https:\/\/jigsawprivatew.wpengine.com\/?p=7840"},"modified":"2017-11-05T15:33:05","modified_gmt":"2017-11-05T05:03:05","slug":"70-of-australians-are-missing-out-on-the-easy-money-are-you-one-of-them","status":"publish","type":"post","link":"https:\/\/jigsawprivatewealth.com.au\/70-of-australians-are-missing-out-on-the-easy-money-are-you-one-of-them\/","title":{"rendered":"70% of Australian’s are missing out on the easy money! Are you one of them?"},"content":{"rendered":"

Yes, that’s right, you could be missing out on the easy money and I think there are more people out there misinformed and because of this they are missing out, BIG TIME!<\/p>\n

Could you be one of them?<\/p>\n

In a recent survey of it’s members conducted\u00a0by Sunsuper over 5yrs up to\u00a0the end of June 2016, it showed that a paltry 8% of its\u00a0members contributed more than their\u00a0employer mandatory\u00a0contribution of 9.5%pa to their super account.\u00a0 Now Sunsuper has over 1 million members,\u00a0I believe\u00a0this is a good representation of the Australian workforce.\u00a0 Even if it was 20% of its members, this is still astonishing low.<\/p>\n

In Australia we are obsessed with getting everything for less.\u00a0 We just need to look at the obsession with getting cheaper petrol.\u00a0 We hunt around just to get 8 cents a litre off .\u00a0 Let’s work through this a little further.\u00a0 Let’s say the average fill up is 50 litres.\u00a0 That’s a saving of $4, you would be lucky to buy\u00a0a cup of coffee these days for that.\u00a0 Let’s take this out over a year.\u00a0 Say, you fill up on average every fortnight and you are able to achieve an 8 cent discount every time.\u00a0 That’s 26 fill ups a year, $4 x 26 = $104 yearly saving.\u00a0 Most of us would be pretty happy with that, right?<\/p>\n

What if I said to you that you could achieve a return of 38% and save you thousands in tax each<\/strong> and every year while you are working?\u00a0 Is that something that would get you excited?\u00a0 Would that be more exciting than hunting around for a saving on your petrol everytime you need to fill up?\u00a0 I hope the answer is yes, yes and yes……<\/p>\n

You’re most probably sitting there and asking what’s the catch?\u00a0 Well, there is always a trade off, but you will thank me later…..<\/p>\n

It’s a little strategy called Salary Sacrifice, I am sure you have heard of it.<\/p>\n

Now, let’s be straight, it’s not that exciting and to be honest anything to do with super is a bit like watching grass grow.\u00a0\u00a0It takes a long time and is pretty boring to watch.<\/p>\n

Now, if you’re always trying to get the best price on petrol or for that matter any purchase then this should be a no brainer.<\/p>\n

Let me work through the numbers:-<\/p>\n

Example 1:<\/strong> Sally works in administration earning $70,000 pa<\/strong><\/p>\n

Now, Sally’s employer is adding 9.5%pa of what she earns into super (employer mandatory\u00a0contribution), that’s $6,650pa less super tax of 15%.\u00a0 Now, Sally’s pretty savy and is looking of ways to make her dollars go further, however retirement’s not on the radar at this point in time therefore she has not thought of adding anything extra to her super.<\/p>\n

Let’s take $1,000 of salary that Sally takes in her hands rather than put it into super, after tax Sally would have $655 (post tax and Medicare Levy) to spend.<\/p>\n

So, let’s look at what would be in it for Sally to contribute a little extra to her super via a Salary Sacrifice strategy.\u00a0\u00a0Sally is happy to add $1,000 pa pre-tax to her super fund.<\/p>\n

The $1,000 added to super from a salary sacrifice strategy is taxed at 15%, therefore Sally has $850 to invest in her super fund.\u00a0 An extra $195 available,\u00a0therefore Sally has just generated herself a 30% return on her money without taking any risk, apart from not being able to touch it until she retires.\u00a0 To be honest it is probably money that could easily be wasted throughout the year.<\/p>\n

Surely this is starting to look better than chasing the petrol savings we actively hunt for….<\/p>\n

Example 2: Jack works as a Business Manager earning $120,000pa<\/strong><\/p>\n

In following the example, Jack’s employer adds the mandatory\u00a09.5%pa of his salary to super on his behalf, which is $11,400 pa.<\/p>\n

If Jack was to add an extra $1,000pa to super, rather than receive it after tax in the hands which would give him $610 (after tax and Medicare), he would have $850 to invest inside super (the same as Sally).\u00a0 That is an immediate return of 39% on his money.\u00a0 Now who wouldn’t want that?\u00a0 Surely we would all want that right?<\/p>\n

Ok one more….<\/p>\n

Example 3: Judy works in the medical industry earning $190,000pa<\/strong><\/p>\n

Following the above examples, Judy’s employer is adding 9.5%pa, which is $18,050 pa into super each year.<\/p>\n

If Judy was to add an extra $1,000 into super, rather than receive it after tax (in the hand) which would be $530 (after tax and Medicare), Judy would have $850 to invest inside super.\u00a0 Now that’s an immediate return of 60% on her money.<\/p>\n

It just goes to show we might be concentrating on the wrong areas when it comes to making our money go further.\u00a0 Yes, you may not see the money for some time, however you will enjoy the fruits of your labour when it comes to life after work, and we all need to be thinking about this now rather than later.\u00a0 Small steps now will make a great difference to your life post work.\u00a0 Small changes will compound over time.\u00a0 Automate it and your lifestyle will not change dramatically.<\/p>\n

A lot of people are most probably thinking, why can’t I just pay this into my mortgage?\u00a0 This is a great question and it all comes down to balance.\u00a0 What works for one will not work for another.<\/p>\n

Just think for a moment, you are most probably paying around 4% on your mortgage,\u00a0using Jack’s situation, if instead he put the after tax amount of $610 into his mortgage Jack would effectively get a return on his money of 4% (i.e. save 4% in interest),\u00a0yes he will pay down some capital as well which is what we all want.\u00a0A 4% return on $610 is about $24.40.\u00a0\u00a0If instead the funds are placed into super Jack has $850 which can earn an income, to generate $24.40 Jack only needs to earn a return of 2.87% ($850 x 2.87% = $24.40).\u00a0 Quite a low return.<\/p>\n

This illustration is there to expand your thinking and\u00a0as I have said there needs to be a balance.\u00a0 Look at all the wealthy people in the world and the rules they followed to be wealthy.\u00a0 They pay themselves first, spend less than they earn and invested.\u00a0 Not hard when you break it down.<\/p>\n

Now, a word of warning, the amount you can contribute to super will change from 1 July 2017, for everyone the amount will be $25,000 including employer and salary sacrifice contributions.<\/p>\n

 <\/p>\n

When it comes to getting financial life in order and living your desired lifestyle, you have two choices, you can go it alone and fumble your way through, or alternatively, you can take the fast lane.<\/p>\n

If you’d like to fast track the process, feel free to reach out and I’ll share some of what I’ve learnt.<\/p>\n

P.S<\/strong> Whenever you\u2019re ready, here are 3 ways we can help optimise your financial affairs so you can go live life, sound good?<\/p>\n

1. Book a call a for 15min Strategy session<\/strong><\/p>\n

If you want to get some 1:1 help, we can jump on the phone for a quick call, and brainstorm how to make sure your financial affairs are optimised, protected and cared for.<\/p>\n

Email me at gdoherty@jigsawprivatewealth.com.au to book a time.<\/p>\n

2. Book an in office or online strategy session<\/strong><\/p>\n

If you want to go a bit deeper, you can book a Strategy Session to scope out, road test and make sure your current plan is the best it can be, fully optimised.<\/p>\n

Email me at gdoherty@jigsawprivatewealth.com.au\u00a0or phone me on 0401 253 729<\/p>\n

3. Answer a Question<\/strong><\/p>\n

Or, if you just have a burning question that you want answered or a problem you are trying to resolve, simply just send me an email, gdoherty@jigsawprivatewealth.com.au<\/p>\n

Other Resources:-<\/strong><\/p>\n

Get a free copy of my Super Changes Cut Through ebook by clicking here<\/a><\/strong>.\u00a0 You’ll find 11 simple, no jargon strategies to supercharge your retirement including one strategy that will give you a 30% guaranteed return(30% tax bracket)\u00a0than 70% of people are not taking advantage off.<\/p>\n

Check out my blog page with other useful articles by clicking here.
\n\u201cThere are only 168 hours in week. MAKE THEM COUNT!\u201d<\/p>\n

 <\/p>\n

Written by Glenn Doherty CFP \u2013 Founder and Financial Organiser – Jigsaw Private Wealth<\/strong><\/p>\n

This information is of a general advice nature only, and has been prepared without taking into account your particular financial needs, circumstances or objectives. All information is based on Exelsuper Advice Pty Ltd\u2019s understanding of current law as of 4th April 2017. While every effort has been made to ensure the accuracy of the information, it is not guaranteed. You should seek professional advice before acting on the information contained in this publication. Taxation considerations are general and based on present taxation laws, rulings and their interpretation as at 4th April 2017. You should seek independent professional tax advice before making any decision based on this information. Exelsuper Advice Pty Ltd CAN 080 419 holds an Australian Financial Services License 428272.<\/p>\n","protected":false},"excerpt":{"rendered":"

Yes, that’s right, you could be missing out on the easy money and I think there are more people out there misinformed and because of this they are missing out, BIG TIME! Could you be one of them? In a recent survey of it’s members conducted\u00a0by Sunsuper over 5yrs up to\u00a0the end of June 2016,…<\/p>\n","protected":false},"author":3,"featured_media":7841,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[1],"tags":[],"yoast_head":"\n70% of Australian's are missing out on the easy money! 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