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GST CALCULATOR
This calculator can help when you're making taxable sales only (that is, a sale that has 10 per cent GST in the price). To work out the cost including GST, you multiply the amount exclusive of GST by 1.1. You divide a GST inclusive cost by 11 to work out the GST component. Ataxable sale
REVERSE MORTGAGE AND HOME EQUITY RELEASE Reverse mortgage. A reverse mortgage allows you to borrow money using the equity in your home as security. If you're age 60, the most you can borrow is likely to be 15–20% of the value of your home. As a guide, add 1% for each year over 60. So, at 65, the most you can borrow will be about 20–25%. ACCOUNT-BASED PENSION CALCULATOR From 1 July 2017 there is a cap on the amount of superannuation eligible to be transferred to account based pensions in retirement. This Transfer Balance Cap of $1,600,000 at 1 July 2017 is indexed with CPI inflation over time and increases in increments of $100,000. The calculator does not allow for balances in excess of the TransferBalance Cap.
FINANCIAL ASSETS CORPORATION (Note: this company is not connected and should not be confused with the legitimate firm either Financial Assets Corporation, 30 Wall Street, Suite 1203 New York, NY 10005, USA, which is a registered Broker-Dealer in the USA and a member of the National Association of Securities Dealers (CRD#13777) nor its affiliated entity, Oaktree Management Inc, an investment advisor registered with the SEC ONLINE SHOPPING AND BANKING Doing your banking and shopping online can be easy, fast and fun. But it also exposes you to scams. So you need to know what you’re doing. Let’s pretend that you have a new online bank account and have just received your first debit card. You decide to do a bit of online shopping and your friend, who has done it before, offers to help you. LOADING MONEY SMART TEACHING: MODULE 02 Loading Money Smart Teaching: Module 02 - Personal Tax . If the course fails to load in 5 seconds. Click on the following link to launch the Money Smart Teaching: Module 02 - Personal Tax course.launch the Money Smart Teaching: Module 02 - Personal Tax course.BUDGET PLANNER
budget-planner Income Education Your take-home pay Your partner's take-home pay Income from savings and investments Centrelink benefits Family benefit payments LOADING MONEY SMART TEACHING: MODULE 04 Loading Money Smart Teaching: Module 04 - Debt Management . If the course fails to load in 5 seconds. Click on the following link to launch the Money Smart Teaching: Module 04 - Debt Management course.launch the Money Smart Teaching: Module 04 - Debt Managementcourse.
HOME - MONEYSMART.GOV.AUBANKING AND BUDGETINGINSURANCEFINANCIAL ADVICEMANAGED FUNDS AND ETFS Manage your money. Financial counselling Free help to sort out your money. Urgent help with money If you’re struggling or in crisis. Save for an emergency fund Be prepared for life’s surprises. Managing on a low income Get the most out of your money. Problems paying your bills Understand your options. HOW MUCH SUPER YOU NEED The Association of Superannuation Funds of Australia (ASFA) provides an industry retirement standard. This estimates how much money you'll need, depending on your lifestyle. ASFA Retirement Standard. Comfortable lifestyle. Modest lifestyle. Single. $44,224 a year. $847 a week. $28,179 a year.GST CALCULATOR
This calculator can help when you're making taxable sales only (that is, a sale that has 10 per cent GST in the price). To work out the cost including GST, you multiply the amount exclusive of GST by 1.1. You divide a GST inclusive cost by 11 to work out the GST component. Ataxable sale
REVERSE MORTGAGE AND HOME EQUITY RELEASE Reverse mortgage. A reverse mortgage allows you to borrow money using the equity in your home as security. If you're age 60, the most you can borrow is likely to be 15–20% of the value of your home. As a guide, add 1% for each year over 60. So, at 65, the most you can borrow will be about 20–25%. ACCOUNT-BASED PENSION CALCULATOR From 1 July 2017 there is a cap on the amount of superannuation eligible to be transferred to account based pensions in retirement. This Transfer Balance Cap of $1,600,000 at 1 July 2017 is indexed with CPI inflation over time and increases in increments of $100,000. The calculator does not allow for balances in excess of the TransferBalance Cap.
FINANCIAL ASSETS CORPORATION (Note: this company is not connected and should not be confused with the legitimate firm either Financial Assets Corporation, 30 Wall Street, Suite 1203 New York, NY 10005, USA, which is a registered Broker-Dealer in the USA and a member of the National Association of Securities Dealers (CRD#13777) nor its affiliated entity, Oaktree Management Inc, an investment advisor registered with the SEC ONLINE SHOPPING AND BANKING Doing your banking and shopping online can be easy, fast and fun. But it also exposes you to scams. So you need to know what you’re doing. Let’s pretend that you have a new online bank account and have just received your first debit card. You decide to do a bit of online shopping and your friend, who has done it before, offers to help you. LOADING MONEY SMART TEACHING: MODULE 02 Loading Money Smart Teaching: Module 02 - Personal Tax . If the course fails to load in 5 seconds. Click on the following link to launch the Money Smart Teaching: Module 02 - Personal Tax course.launch the Money Smart Teaching: Module 02 - Personal Tax course.BUDGET PLANNER
budget-planner Income Education Your take-home pay Your partner's take-home pay Income from savings and investments Centrelink benefits Family benefit payments LOADING MONEY SMART TEACHING: MODULE 04 Loading Money Smart Teaching: Module 04 - Debt Management . If the course fails to load in 5 seconds. Click on the following link to launch the Money Smart Teaching: Module 04 - Debt Management course.launch the Money Smart Teaching: Module 04 - Debt Managementcourse.
HOW MUCH SUPER YOU NEED The Association of Superannuation Funds of Australia (ASFA) provides an industry retirement standard. This estimates how much money you'll need, depending on your lifestyle. ASFA Retirement Standard. Comfortable lifestyle. Modest lifestyle. Single. $44,224 a year. $847 a week. $28,179 a year.FINANCIAL HARDSHIP
Ask for financial hardship assistance if you're struggling to pay: rent or utility bills. mortgage repayments. credit cards or loans. home, car or health insurance. The Financial Rights Legal Centre sample letter generator can help you create a letter to apply for financial hardship assistance. Keep a INTEREST-FREE DEAL CALCULATOR Disclaimer. It is an estimate only. Results will depend on the accuracy of your inputs. Assumptions. Fees: this calculator does not include additional fees such as late payment fees. Amount: the total amount of the loan deal, which may include extras such as extended warranty or delivery charges. Additional purchases on your card: the first time you apply for an interest-free deal you may be SUPER FOR SELF-EMPLOYED PEOPLE As a guide, employers contribute at least 9.5% of an employee's earnings to super. There are limits to how much you can contribute each financial year: up to $25,000 in. concessional contributions. Concessional super contributions are payments put into your super fund from your pre-tax income and are tax deductable for self-employedpeople.
GST CALCULATOR
This calculator can help when you're making taxable sales only (that is, a sale that has 10 per cent GST in the price). To work out the cost including GST, you multiply the amount exclusive of GST by 1.1. You divide a GST inclusive cost by 11 to work out the GST component. Ataxable sale
MONEY MANAGEMENT KIT Our Money management kit includes audio content and photo stories (videos) in 16 different languages including English. The kit was developed for community settlement workers who work with new arrivals. It can also be used by: those who provide general financial literacy education. those who teach English as a second language. INSURANCE THROUGH SUPER To find out what insurance you have in your super you can: call your super fund. access your super account online. check your super fund's annual statement and the PDS. You'll be able to see: what type of insurance you have. how much cover you have. how much you're paying in premiums for the cover. FINANCIAL ADVISERS REGISTER Check a financial adviser. This is a register of people who provide personal advice on investments, superannuation and life insurance. Use this register to find out where a financial adviser has worked, their qualifications, training, memberships of professional bodies and what products they can advise on. To help you make the right decisionBUDGET PLANNER
budget-planner Income Education Your take-home pay Your partner's take-home pay Income from savings and investments Centrelink benefits Family benefit payments LOADING MONEY SMART TEACHING: MODULE 04 Loading Money Smart Teaching: Module 04 - Debt Management . If the course fails to load in 5 seconds. Click on the following link to launch the Money Smart Teaching: Module 04 - Debt Management course.launch the Money Smart Teaching: Module 04 - Debt Managementcourse.
HOME - MONEYSMART.GOV.AUBANKING AND BUDGETINGINSURANCEFINANCIAL ADVICEMANAGED FUNDS AND ETFS Manage your money. Financial counselling Free help to sort out your money. Urgent help with money If you’re struggling or in crisis. Save for an emergency fund Be prepared for life’s surprises. Managing on a low income Get the most out of your money. Problems paying your bills Understand your options. HOW MUCH SUPER YOU NEED The Association of Superannuation Funds of Australia (ASFA) provides an industry retirement standard. This estimates how much money you'll need, depending on your lifestyle. ASFA Retirement Standard. Comfortable lifestyle. Modest lifestyle. Single. $44,224 a year. $847 a week. $28,179 a year. SUPER FOR SELF-EMPLOYED PEOPLE As a guide, employers contribute at least 9.5% of an employee's earnings to super. There are limits to how much you can contribute each financial year: up to $25,000 in. concessional contributions. Concessional super contributions are payments put into your super fund from your pre-tax income and are tax deductable for self-employedpeople.
SUPERANNUATION CALCULATOR ASIC is simplifying the superannuation and retirement planner calculators while undertaking a scheduled review of assumptions. As of 17 April 2020, these calculators will use a single set of assumptions. The default assumptions in this calculator are based on Treasury’s long-term retirement income models. For more information onTreasury’s
INCOME TAX CALCULATOR The rates are for Australian residents. Your marginal tax rate does not include the Medicare levy, which is calculated separately. The Medicare levy is calculated as 2% of taxable income for mosttaxpayers.
INSURANCE THROUGH SUPER To find out what insurance you have in your super you can: call your super fund. access your super account online. check your super fund's annual statement and the PDS. You'll be able to see: what type of insurance you have. how much cover you have. how much you're paying in premiums for the cover. EXCHANGE TRADED FUNDS (ETFS) Exchange traded funds (ETFs) are a low-cost way to earn a return similar to an index or a commodity. They can also help to diversify your investments. You can buy and sell units in ETFs through a stockbroker, the same way you buy and sell shares. TRANSITION TO RETIREMENT Alisha reduces her work hours. Alisha has just turned 60 and currently earns $50,000 a year before tax. She decides to ease into retirement by reducing her work to three days a week. This means her income will drop to $30,000. Alisha transfers $155,000 of her super to a transition to retirement pension and withdraws $9,000 each year,tax-free.
REVERSE MORTGAGE AND HOME EQUITY RELEASE Reverse mortgage. A reverse mortgage allows you to borrow money using the equity in your home as security. If you're age 60, the most you can borrow is likely to be 15–20% of the value of your home. As a guide, add 1% for each year over 60. So, at 65, the most you can borrow will be about 20–25%. ONLINE SHOPPING AND BANKING Doing your banking and shopping online can be easy, fast and fun. But it also exposes you to scams. So you need to know what you’re doing. Let’s pretend that you have a new online bank account and have just received your first debit card. You decide to do a bit of online shopping and your friend, who has done it before, offers to help you. HOME - MONEYSMART.GOV.AUBANKING AND BUDGETINGINSURANCEFINANCIAL ADVICEMANAGED FUNDS AND ETFS Manage your money. Financial counselling Free help to sort out your money. Urgent help with money If you’re struggling or in crisis. Save for an emergency fund Be prepared for life’s surprises. Managing on a low income Get the most out of your money. Problems paying your bills Understand your options. HOW MUCH SUPER YOU NEED The Association of Superannuation Funds of Australia (ASFA) provides an industry retirement standard. This estimates how much money you'll need, depending on your lifestyle. ASFA Retirement Standard. Comfortable lifestyle. Modest lifestyle. Single. $44,224 a year. $847 a week. $28,179 a year. SUPER FOR SELF-EMPLOYED PEOPLE As a guide, employers contribute at least 9.5% of an employee's earnings to super. There are limits to how much you can contribute each financial year: up to $25,000 in. concessional contributions. Concessional super contributions are payments put into your super fund from your pre-tax income and are tax deductable for self-employedpeople.
SUPERANNUATION CALCULATOR ASIC is simplifying the superannuation and retirement planner calculators while undertaking a scheduled review of assumptions. As of 17 April 2020, these calculators will use a single set of assumptions. The default assumptions in this calculator are based on Treasury’s long-term retirement income models. For more information onTreasury’s
INCOME TAX CALCULATOR The rates are for Australian residents. Your marginal tax rate does not include the Medicare levy, which is calculated separately. The Medicare levy is calculated as 2% of taxable income for mosttaxpayers.
INSURANCE THROUGH SUPER To find out what insurance you have in your super you can: call your super fund. access your super account online. check your super fund's annual statement and the PDS. You'll be able to see: what type of insurance you have. how much cover you have. how much you're paying in premiums for the cover. EXCHANGE TRADED FUNDS (ETFS) Exchange traded funds (ETFs) are a low-cost way to earn a return similar to an index or a commodity. They can also help to diversify your investments. You can buy and sell units in ETFs through a stockbroker, the same way you buy and sell shares. SUPERANNUATION CALCULATOR ASIC is simplifying the superannuation and retirement planner calculators while undertaking a scheduled review of assumptions. As of 17 April 2020, these calculators will use a single set of assumptions. The default assumptions in this calculator are based on Treasury’s long-term retirement income models. For more information onTreasury’s
HOME INSURANCE
Get the right cover to avoid being underinsured. Up next in Home insurance. Home and contents insurance covers the cost of repairing or replacing your house and your belongings when something goes wrong. When buying insurance, focus on what you need, and what isHOW TO COMPLAIN
1. Contact the business. 2. Write a letter of complaint to the business. 3. Contact an independent complaints body. If you're unhappy about a product or service, or unsure whether something is legal, follow these simple steps to complain. If your complaint MONEY MANAGEMENT KIT Our Money management kit includes audio content and photo stories (videos) in 16 different languages including English. The kit was developed for community settlement workers who work with new arrivals. It can also be used by: those who provide general financial literacy education. those who teach English as a second language. REVERSE MORTGAGE AND HOME EQUITY RELEASE Reverse mortgage. A reverse mortgage allows you to borrow money using the equity in your home as security. If you're age 60, the most you can borrow is likely to be 15–20% of the value of your home. As a guide, add 1% for each year over 60. So, at 65, the most you can borrow will be about 20–25%. CHOOSING A MANAGED FUND A fund manager then buys and sells assets, such as shares or bonds, on your behalf. You don't own the underlying investments, you own ' units ' in the fund. The value of the units in the fund will rise and fall with the value of the underlying assets. Some managed funds also pay income or 'distributions'. We explain the types of managed funds FINANCIAL ADVISERS REGISTER Check a financial adviser. This is a register of people who provide personal advice on investments, superannuation and life insurance. Use this register to find out where a financial adviser has worked, their qualifications, training, memberships of professional bodies and what products they can advise on. To help you make the right decision ACCOUNT-BASED PENSION CALCULATOR From 1 July 2017 there is a cap on the amount of superannuation eligible to be transferred to account based pensions in retirement. This Transfer Balance Cap of $1,600,000 at 1 July 2017 is indexed with CPI inflation over time and increases in increments of $100,000. The calculator does not allow for balances in excess of the TransferBalance Cap.
DEBENTURES, SECURED AND UNSECURED NOTES The security offered by the company determines the name of the investment. Debentures – if 'tangible property' (real estate, land, equipment, for example) is offered as security. Secured notes – if a 'first ranking' debt over other property is offered as security. Unsecured notes – no security offered.BUDGET PLANNER
budget-planner Income Education Your take-home pay Your partner's take-home pay Income from savings and investments Centrelink benefits Family benefit payments HOME - MONEYSMART.GOV.AUBANKING AND BUDGETINGINSURANCEFINANCIAL ADVICEMANAGED FUNDS AND ETFS Manage your money. Financial counselling Free help to sort out your money. Urgent help with money If you’re struggling or in crisis. Save for an emergency fund Be prepared for life’s surprises. Managing on a low income Get the most out of your money. Problems paying your bills Understand your options. HOW MUCH SUPER YOU NEED The Association of Superannuation Funds of Australia (ASFA) provides an industry retirement standard. This estimates how much money you'll need, depending on your lifestyle. ASFA Retirement Standard. Comfortable lifestyle. Modest lifestyle. Single. $44,224 a year. $847 a week. $28,179 a year. INCOME TAX CALCULATOR For the 2016-17 financial year, the marginal tax rate for incomes over $180,000 includes the Temporary Budget Repair Levy of 2%. In most cases, your employer will deduct the income tax from your wages and pay it to the ATO. 2020-2021 pre-budget reflects the tax AUSTRALIAN SPENDING HABITS General living expenses. In 2016, Australian households spent $666 billion on general living costs, including: $12.6 billion a year on meat versus $2.6 billion a year on seafood. $14.9 billion a year on alcohol versus $1.6 billion a year on tea and coffee. $65.8 billion a year on cars versus $2.7 billion a year on public transport. INSURANCE THROUGH SUPER To find out what insurance you have in your super you can: call your super fund. access your super account online. check your super fund's annual statement and the PDS. You'll be able to see: what type of insurance you have. how much cover you have. how much you're paying in premiums for the cover. EXCHANGE TRADED FUNDS (ETFS) Exchange traded funds (ETFs) are a low-cost way to earn a return similar to an index or a commodity. They can also help to diversify your investments. You can buy and sell units in ETFs through a stockbroker, the same way you buy and sell shares. GETTING DIVORCED OR SEPARATING First steps when you separate. Organise your bills and paperwork. Update your accounts. Divide your property and assets. Decide how to care for your children. Manage your new financial situation. Up next in Getting divorced or separating. The end of a relationship is never easy, but there are steps you can take to help things run moresmoothly
HOME - MONEYSMART.GOV.AUBANKING AND BUDGETINGINSURANCEFINANCIAL ADVICEMANAGED FUNDS AND ETFS Manage your money. Financial counselling Free help to sort out your money. Urgent help with money If you’re struggling or in crisis. Save for an emergency fund Be prepared for life’s surprises. Managing on a low income Get the most out of your money. Problems paying your bills Understand your options. HOW MUCH SUPER YOU NEED The Association of Superannuation Funds of Australia (ASFA) provides an industry retirement standard. This estimates how much money you'll need, depending on your lifestyle. ASFA Retirement Standard. Comfortable lifestyle. Modest lifestyle. Single. $44,224 a year. $847 a week. $28,179 a year. INCOME TAX CALCULATOR For the 2016-17 financial year, the marginal tax rate for incomes over $180,000 includes the Temporary Budget Repair Levy of 2%. In most cases, your employer will deduct the income tax from your wages and pay it to the ATO. 2020-2021 pre-budget reflects the tax AUSTRALIAN SPENDING HABITS General living expenses. In 2016, Australian households spent $666 billion on general living costs, including: $12.6 billion a year on meat versus $2.6 billion a year on seafood. $14.9 billion a year on alcohol versus $1.6 billion a year on tea and coffee. $65.8 billion a year on cars versus $2.7 billion a year on public transport. INSURANCE THROUGH SUPER To find out what insurance you have in your super you can: call your super fund. access your super account online. check your super fund's annual statement and the PDS. You'll be able to see: what type of insurance you have. how much cover you have. how much you're paying in premiums for the cover. EXCHANGE TRADED FUNDS (ETFS) Exchange traded funds (ETFs) are a low-cost way to earn a return similar to an index or a commodity. They can also help to diversify your investments. You can buy and sell units in ETFs through a stockbroker, the same way you buy and sell shares. GETTING DIVORCED OR SEPARATING First steps when you separate. Organise your bills and paperwork. Update your accounts. Divide your property and assets. Decide how to care for your children. Manage your new financial situation. Up next in Getting divorced or separating. The end of a relationship is never easy, but there are steps you can take to help things run moresmoothly
TRANSITION TO RETIREMENT Alisha reduces her work hours. Alisha has just turned 60 and currently earns $50,000 a year before tax. She decides to ease into retirement by reducing her work to three days a week. This means her income will drop to $30,000. Alisha transfers $155,000 of her super to a transition to retirement pension and withdraws $9,000 each year,tax-free.
SUPERANNUATION CALCULATOR ASIC is simplifying the superannuation and retirement planner calculators while undertaking a scheduled review of assumptions. As of 17 April 2020, these calculators will use a single set of assumptions. The default assumptions in this calculator are based on Treasury’s long-term retirement income models. For more information onTreasury’s
REVERSE MORTGAGE AND HOME EQUITY RELEASE Reverse mortgage. A reverse mortgage allows you to borrow money using the equity in your home as security. If you're age 60, the most you can borrow is likely to be 15–20% of the value of your home. As a guide, add 1% for each year over 60. So, at 65, the most you can borrow will be about 20–25%. GETTING DIVORCED OR SEPARATING First steps when you separate. Organise your bills and paperwork. Update your accounts. Divide your property and assets. Decide how to care for your children. Manage your new financial situation. Up next in Getting divorced or separating. The end of a relationship is never easy, but there are steps you can take to help things run moresmoothly
SUPER LUMP SUM
Alisha is 65 and is retiring with $330,000 in super. She decides to take out a $40,000 lump sum to pay for home improvements. She transfers the rest of her super to an account-based pension. By investing $290,000 in an income stream, Alisha will receive regular income payments on top of the Age Pension. FINANCIAL ADVISERS REGISTER Check a financial adviser. This is a register of people who provide personal advice on investments, superannuation and life insurance. Use this register to find out where a financial adviser has worked, their qualifications, training, memberships of professional bodies and what products they can advise on. To help you make the right decision PROBLEMS PAYING YOUR MORTGAGE Steps a lender can take if you're behind on your mortgage. Lenders have to follow a specific set of steps before they can take your home. 1. Default notice. Your lender can send you a default notice the day your repayment becomes overdue. However, they may wait until your repayment is 90 days or more overdue. ACCOUNT-BASED PENSION CALCULATOR From 1 July 2017 there is a cap on the amount of superannuation eligible to be transferred to account based pensions in retirement. This Transfer Balance Cap of $1,600,000 at 1 July 2017 is indexed with CPI inflation over time and increases in increments of $100,000. The calculator does not allow for balances in excess of the TransferBalance Cap.
ASIC: PAY THE PRICE
In this activity you're going to buy items on shopping lists. First,choose a level.
BUDGET PLANNER
budget-planner Income Education Your take-home pay Your partner's take-home pay Income from savings and investments Centrelink benefits Family benefit payments LOADING MONEY SMART TEACHING: MODULE 04 Loading Money Smart Teaching: Module 04 - Debt Management . If the course fails to load in 5 seconds. Click on the following link to launch the Money Smart Teaching: Module 04 - Debt Management course.launch the Money Smart Teaching: Module 04 - Debt Managementcourse.
HOME - MONEYSMART.GOV.AUBANKING AND BUDGETINGINSURANCEFINANCIAL ADVICEMANAGED FUNDS AND ETFS Manage your money. Financial counselling Free help to sort out your money. Urgent help with money If you’re struggling or in crisis. Save for an emergency fund Be prepared for life’s surprises. Managing on a low income Get the most out of your money. Problems paying your bills Understand your options. HOW MUCH SUPER YOU NEED The Association of Superannuation Funds of Australia (ASFA) provides an industry retirement standard. This estimates how much money you'll need, depending on your lifestyle. ASFA Retirement Standard. Comfortable lifestyle. Modest lifestyle. Single. $44,224 a year. $847 a week. $28,179 a year. INCOME TAX CALCULATOR For the 2016-17 financial year, the marginal tax rate for incomes over $180,000 includes the Temporary Budget Repair Levy of 2%. In most cases, your employer will deduct the income tax from your wages and pay it to the ATO. 2020-2021 pre-budget reflects the tax AUSTRALIAN SPENDING HABITS General living expenses. In 2016, Australian households spent $666 billion on general living costs, including: $12.6 billion a year on meat versus $2.6 billion a year on seafood. $14.9 billion a year on alcohol versus $1.6 billion a year on tea and coffee. $65.8 billion a year on cars versus $2.7 billion a year on public transport. INSURANCE THROUGH SUPER To find out what insurance you have in your super you can: call your super fund. access your super account online. check your super fund's annual statement and the PDS. You'll be able to see: what type of insurance you have. how much cover you have. how much you're paying in premiums for the cover. EXCHANGE TRADED FUNDS (ETFS) Exchange traded funds (ETFs) are a low-cost way to earn a return similar to an index or a commodity. They can also help to diversify your investments. You can buy and sell units in ETFs through a stockbroker, the same way you buy and sell shares. GETTING DIVORCED OR SEPARATING First steps when you separate. Organise your bills and paperwork. Update your accounts. Divide your property and assets. Decide how to care for your children. Manage your new financial situation. Up next in Getting divorced or separating. The end of a relationship is never easy, but there are steps you can take to help things run moresmoothly
HOME - MONEYSMART.GOV.AUBANKING AND BUDGETINGINSURANCEFINANCIAL ADVICEMANAGED FUNDS AND ETFS Manage your money. Financial counselling Free help to sort out your money. Urgent help with money If you’re struggling or in crisis. Save for an emergency fund Be prepared for life’s surprises. Managing on a low income Get the most out of your money. Problems paying your bills Understand your options. HOW MUCH SUPER YOU NEED The Association of Superannuation Funds of Australia (ASFA) provides an industry retirement standard. This estimates how much money you'll need, depending on your lifestyle. ASFA Retirement Standard. Comfortable lifestyle. Modest lifestyle. Single. $44,224 a year. $847 a week. $28,179 a year. INCOME TAX CALCULATOR For the 2016-17 financial year, the marginal tax rate for incomes over $180,000 includes the Temporary Budget Repair Levy of 2%. In most cases, your employer will deduct the income tax from your wages and pay it to the ATO. 2020-2021 pre-budget reflects the tax AUSTRALIAN SPENDING HABITS General living expenses. In 2016, Australian households spent $666 billion on general living costs, including: $12.6 billion a year on meat versus $2.6 billion a year on seafood. $14.9 billion a year on alcohol versus $1.6 billion a year on tea and coffee. $65.8 billion a year on cars versus $2.7 billion a year on public transport. INSURANCE THROUGH SUPER To find out what insurance you have in your super you can: call your super fund. access your super account online. check your super fund's annual statement and the PDS. You'll be able to see: what type of insurance you have. how much cover you have. how much you're paying in premiums for the cover. EXCHANGE TRADED FUNDS (ETFS) Exchange traded funds (ETFs) are a low-cost way to earn a return similar to an index or a commodity. They can also help to diversify your investments. You can buy and sell units in ETFs through a stockbroker, the same way you buy and sell shares. GETTING DIVORCED OR SEPARATING First steps when you separate. Organise your bills and paperwork. Update your accounts. Divide your property and assets. Decide how to care for your children. Manage your new financial situation. Up next in Getting divorced or separating. The end of a relationship is never easy, but there are steps you can take to help things run moresmoothly
SUPERANNUATION CALCULATOR ASIC is simplifying the superannuation and retirement planner calculators while undertaking a scheduled review of assumptions. As of 17 April 2020, these calculators will use a single set of assumptions. The default assumptions in this calculator are based on Treasury’s long-term retirement income models. For more information onTreasury’s
REVERSE MORTGAGE AND HOME EQUITY RELEASE Reverse mortgage. A reverse mortgage allows you to borrow money using the equity in your home as security. If you're age 60, the most you can borrow is likely to be 15–20% of the value of your home. As a guide, add 1% for each year over 60. So, at 65, the most you can borrow will be about 20–25%. GETTING DIVORCED OR SEPARATING First steps when you separate. Organise your bills and paperwork. Update your accounts. Divide your property and assets. Decide how to care for your children. Manage your new financial situation. Up next in Getting divorced or separating. The end of a relationship is never easy, but there are steps you can take to help things run moresmoothly
SUPER LUMP SUM
Alisha is 65 and is retiring with $330,000 in super. She decides to take out a $40,000 lump sum to pay for home improvements. She transfers the rest of her super to an account-based pension. By investing $290,000 in an income stream, Alisha will receive regular income payments on top of the Age Pension. FINANCIAL ADVISERS REGISTER Check a financial adviser. This is a register of people who provide personal advice on investments, superannuation and life insurance. Use this register to find out where a financial adviser has worked, their qualifications, training, memberships of professional bodies and what products they can advise on. To help you make the right decision PROBLEMS PAYING YOUR MORTGAGE Steps a lender can take if you're behind on your mortgage. Lenders have to follow a specific set of steps before they can take your home. 1. Default notice. Your lender can send you a default notice the day your repayment becomes overdue. However, they may wait until your repayment is 90 days or more overdue. ACCOUNT-BASED PENSION CALCULATOR From 1 July 2017 there is a cap on the amount of superannuation eligible to be transferred to account based pensions in retirement. This Transfer Balance Cap of $1,600,000 at 1 July 2017 is indexed with CPI inflation over time and increases in increments of $100,000. The calculator does not allow for balances in excess of the TransferBalance Cap.
ASIC: PAY THE PRICE
In this activity you're going to buy items on shopping lists. First,choose a level.
BUDGET PLANNER
budget-planner Income Education Your take-home pay Your partner's take-home pay Income from savings and investments Centrelink benefits Family benefit payments LOADING MONEY SMART TEACHING: MODULE 04 Loading Money Smart Teaching: Module 04 - Debt Management . If the course fails to load in 5 seconds. Click on the following link to launch the Money Smart Teaching: Module 04 - Debt Management course.launch the Money Smart Teaching: Module 04 - Debt Managementcourse.
HOME - MONEYSMART.GOV.AUBANKING AND BUDGETINGINSURANCEFINANCIAL ADVICEMANAGED FUNDS AND ETFS Manage your money. Financial counselling Free help to sort out your money. Urgent help with money If you’re struggling or in crisis. Save for an emergency fund Be prepared for life’s surprises. Managing on a low income Get the most out of your money. Problems paying your bills Understand your options. HOW MUCH SUPER YOU NEED The Association of Superannuation Funds of Australia (ASFA) provides an industry retirement standard. This estimates how much money you'll need, depending on your lifestyle. ASFA Retirement Standard. Comfortable lifestyle. Modest lifestyle. Single. $44,224 a year. $847 a week. $28,179 a year. REVERSE MORTGAGE AND HOME EQUITY RELEASE Reverse mortgage. A reverse mortgage allows you to borrow money using the equity in your home as security. If you're age 60, the most you can borrow is likely to be 15–20% of the value of your home. As a guide, add 1% for each year over 60. So, at 65, the most you can borrow will be about 20–25%. ACCOUNT-BASED PENSION CALCULATOR From 1 July 2017 there is a cap on the amount of superannuation eligible to be transferred to account based pensions in retirement. This Transfer Balance Cap of $1,600,000 at 1 July 2017 is indexed with CPI inflation over time and increases in increments of $100,000. The calculator does not allow for balances in excess of the TransferBalance Cap.
FINANCIAL ASSETS CORPORATION (Note: this company is not connected and should not be confused with the legitimate firm either Financial Assets Corporation, 30 Wall Street, Suite 1203 New York, NY 10005, USA, which is a registered Broker-Dealer in the USA and a member of the National Association of Securities Dealers (CRD#13777) nor its affiliated entity, Oaktree Management Inc, an investment advisor registered with the SECASIC: PAY THE PRICE
In this activity you're going to buy items on shopping lists. First,choose a level.
LOADING MONEY SMART TEACHING: MODULE 02 Loading Money Smart Teaching: Module 02 - Personal Tax . If the course fails to load in 5 seconds. Click on the following link to launch the Money Smart Teaching: Module 02 - Personal Tax course.launch the Money Smart Teaching: Module 02 - Personal Tax course.BUDGET PLANNER
budget-planner Income Education Your take-home pay Your partner's take-home pay Income from savings and investments Centrelink benefits Family benefit payments TOPIC 2: CREDIT AND DEBT Topic 2: Credit and debt . Page . 5. of . 35. moneysmart.gov.au . Lesson plan 1: Credit and debt . Knowledge levels . What content will suit your students? The level of LOADING MONEY SMART TEACHING: MODULE 04 Loading Money Smart Teaching: Module 04 - Debt Management . If the course fails to load in 5 seconds. Click on the following link to launch the Money Smart Teaching: Module 04 - Debt Management course.launch the Money Smart Teaching: Module 04 - Debt Managementcourse.
HOME - MONEYSMART.GOV.AUBANKING AND BUDGETINGINSURANCEFINANCIAL ADVICEMANAGED FUNDS AND ETFS Manage your money. Financial counselling Free help to sort out your money. Urgent help with money If you’re struggling or in crisis. Save for an emergency fund Be prepared for life’s surprises. Managing on a low income Get the most out of your money. Problems paying your bills Understand your options. HOW MUCH SUPER YOU NEED The Association of Superannuation Funds of Australia (ASFA) provides an industry retirement standard. This estimates how much money you'll need, depending on your lifestyle. ASFA Retirement Standard. Comfortable lifestyle. Modest lifestyle. Single. $44,224 a year. $847 a week. $28,179 a year. REVERSE MORTGAGE AND HOME EQUITY RELEASE Reverse mortgage. A reverse mortgage allows you to borrow money using the equity in your home as security. If you're age 60, the most you can borrow is likely to be 15–20% of the value of your home. As a guide, add 1% for each year over 60. So, at 65, the most you can borrow will be about 20–25%. ACCOUNT-BASED PENSION CALCULATOR From 1 July 2017 there is a cap on the amount of superannuation eligible to be transferred to account based pensions in retirement. This Transfer Balance Cap of $1,600,000 at 1 July 2017 is indexed with CPI inflation over time and increases in increments of $100,000. The calculator does not allow for balances in excess of the TransferBalance Cap.
FINANCIAL ASSETS CORPORATION (Note: this company is not connected and should not be confused with the legitimate firm either Financial Assets Corporation, 30 Wall Street, Suite 1203 New York, NY 10005, USA, which is a registered Broker-Dealer in the USA and a member of the National Association of Securities Dealers (CRD#13777) nor its affiliated entity, Oaktree Management Inc, an investment advisor registered with the SECASIC: PAY THE PRICE
In this activity you're going to buy items on shopping lists. First,choose a level.
LOADING MONEY SMART TEACHING: MODULE 02 Loading Money Smart Teaching: Module 02 - Personal Tax . If the course fails to load in 5 seconds. Click on the following link to launch the Money Smart Teaching: Module 02 - Personal Tax course.launch the Money Smart Teaching: Module 02 - Personal Tax course.BUDGET PLANNER
budget-planner Income Education Your take-home pay Your partner's take-home pay Income from savings and investments Centrelink benefits Family benefit payments TOPIC 2: CREDIT AND DEBT Topic 2: Credit and debt . Page . 5. of . 35. moneysmart.gov.au . Lesson plan 1: Credit and debt . Knowledge levels . What content will suit your students? The level of LOADING MONEY SMART TEACHING: MODULE 04 Loading Money Smart Teaching: Module 04 - Debt Management . If the course fails to load in 5 seconds. Click on the following link to launch the Money Smart Teaching: Module 04 - Debt Management course.launch the Money Smart Teaching: Module 04 - Debt Managementcourse.
HOW MUCH SUPER YOU NEED The Association of Superannuation Funds of Australia (ASFA) provides an industry retirement standard. This estimates how much money you'll need, depending on your lifestyle. ASFA Retirement Standard. Comfortable lifestyle. Modest lifestyle. Single. $44,224 a year. $847 a week. $28,179 a year.FINANCIAL HARDSHIP
Ask for financial hardship assistance if you're struggling to pay: rent or utility bills. mortgage repayments. credit cards or loans. home, car or health insurance. The Financial Rights Legal Centre sample letter generator can help you create a letter to apply for financial hardship assistance. Keep a INCOME TAX CALCULATOR For the 2016-17 financial year, the marginal tax rate for incomes over $180,000 includes the Temporary Budget Repair Levy of 2%. In most cases, your employer will deduct the income tax from your wages and pay it to the ATO. 2020-2021 pre-budget reflects the tax REVERSE MORTGAGE AND HOME EQUITY RELEASE Reverse mortgage. A reverse mortgage allows you to borrow money using the equity in your home as security. If you're age 60, the most you can borrow is likely to be 15–20% of the value of your home. As a guide, add 1% for each year over 60. So, at 65, the most you can borrow will be about 20–25%. EXCHANGE TRADED FUNDS (ETFS) Exchange traded funds (ETFs) are a low-cost way to earn a return similar to an index or a commodity. They can also help to diversify your investments. You can buy and sell units in ETFs through a stockbroker, the same way you buy and sell shares.GST CALCULATOR
This calculator can help when you're making taxable sales only (that is, a sale that has 10 per cent GST in the price). To work out the cost including GST, you multiply the amount exclusive of GST by 1.1. You divide a GST inclusive cost by 11 to work out the GST component. Ataxable sale
TRANSITION TO RETIREMENT Alisha reduces her work hours. Alisha has just turned 60 and currently earns $50,000 a year before tax. She decides to ease into retirement by reducing her work to three days a week. This means her income will drop to $30,000. Alisha transfers $155,000 of her super to a transition to retirement pension and withdraws $9,000 each year,tax-free.
FINANCIAL ADVISERS REGISTER Check a financial adviser. This is a register of people who provide personal advice on investments, superannuation and life insurance. Use this register to find out where a financial adviser has worked, their qualifications, training, memberships of professional bodies and what products they can advise on. To help you make the right decision ONLINE SHOPPING AND BANKING Doing your banking and shopping online can be easy, fast and fun. But it also exposes you to scams. So you need to know what you’re doing. Let’s pretend that you have a new online bank account and have just received your first debit card. You decide to do a bit of online shopping and your friend, who has done it before, offers to help you. PARTY TIME - MONEYSMART.GOV.AU PARTY TIME. Hi! It's your birthday. Time to plan a party. A party will cost you money. Here you'll find out how much. Start. HOME - MONEYSMART.GOV.AUBANKING AND BUDGETINGINSURANCEFINANCIAL ADVICEMANAGED FUNDS AND ETFS Manage your money. Financial counselling Free help to sort out your money. Urgent help with money If you’re struggling or in crisis. Save for an emergency fund Be prepared for life’s surprises. Managing on a low income Get the most out of your money. Problems paying your bills Understand your options. HOW MUCH SUPER YOU NEED The Association of Superannuation Funds of Australia (ASFA) provides an industry retirement standard. This estimates how much money you'll need, depending on your lifestyle. ASFA Retirement Standard. Comfortable lifestyle. Modest lifestyle. Single. $44,224 a year. $847 a week. $28,179 a year. REVERSE MORTGAGE AND HOME EQUITY RELEASE Reverse mortgage. A reverse mortgage allows you to borrow money using the equity in your home as security. If you're age 60, the most you can borrow is likely to be 15–20% of the value of your home. As a guide, add 1% for each year over 60. So, at 65, the most you can borrow will be about 20–25%. ACCOUNT-BASED PENSION CALCULATOR From 1 July 2017 there is a cap on the amount of superannuation eligible to be transferred to account based pensions in retirement. This Transfer Balance Cap of $1,600,000 at 1 July 2017 is indexed with CPI inflation over time and increases in increments of $100,000. The calculator does not allow for balances in excess of the TransferBalance Cap.
FINANCIAL ASSETS CORPORATION (Note: this company is not connected and should not be confused with the legitimate firm either Financial Assets Corporation, 30 Wall Street, Suite 1203 New York, NY 10005, USA, which is a registered Broker-Dealer in the USA and a member of the National Association of Securities Dealers (CRD#13777) nor its affiliated entity, Oaktree Management Inc, an investment advisor registered with the SECASIC: PAY THE PRICE
In this activity you're going to buy items on shopping lists. First,choose a level.
LOADING MONEY SMART TEACHING: MODULE 02 Loading Money Smart Teaching: Module 02 - Personal Tax . If the course fails to load in 5 seconds. Click on the following link to launch the Money Smart Teaching: Module 02 - Personal Tax course.launch the Money Smart Teaching: Module 02 - Personal Tax course.BUDGET PLANNER
budget-planner Income Education Your take-home pay Your partner's take-home pay Income from savings and investments Centrelink benefits Family benefit payments LOADING MONEY SMART TEACHING: MODULE 04 Loading Money Smart Teaching: Module 04 - Debt Management . If the course fails to load in 5 seconds. Click on the following link to launch the Money Smart Teaching: Module 04 - Debt Management course.launch the Money Smart Teaching: Module 04 - Debt Managementcourse.
TOPIC 2: CREDIT AND DEBT Topic 2: Credit and debt . Page . 5. of . 35. moneysmart.gov.au . Lesson plan 1: Credit and debt . Knowledge levels . What content will suit your students? The level of HOME - MONEYSMART.GOV.AUBANKING AND BUDGETINGINSURANCEFINANCIAL ADVICEMANAGED FUNDS AND ETFS Manage your money. Financial counselling Free help to sort out your money. Urgent help with money If you’re struggling or in crisis. Save for an emergency fund Be prepared for life’s surprises. Managing on a low income Get the most out of your money. Problems paying your bills Understand your options. HOW MUCH SUPER YOU NEED The Association of Superannuation Funds of Australia (ASFA) provides an industry retirement standard. This estimates how much money you'll need, depending on your lifestyle. ASFA Retirement Standard. Comfortable lifestyle. Modest lifestyle. Single. $44,224 a year. $847 a week. $28,179 a year. REVERSE MORTGAGE AND HOME EQUITY RELEASE Reverse mortgage. A reverse mortgage allows you to borrow money using the equity in your home as security. If you're age 60, the most you can borrow is likely to be 15–20% of the value of your home. As a guide, add 1% for each year over 60. So, at 65, the most you can borrow will be about 20–25%. ACCOUNT-BASED PENSION CALCULATOR From 1 July 2017 there is a cap on the amount of superannuation eligible to be transferred to account based pensions in retirement. This Transfer Balance Cap of $1,600,000 at 1 July 2017 is indexed with CPI inflation over time and increases in increments of $100,000. The calculator does not allow for balances in excess of the TransferBalance Cap.
FINANCIAL ASSETS CORPORATION (Note: this company is not connected and should not be confused with the legitimate firm either Financial Assets Corporation, 30 Wall Street, Suite 1203 New York, NY 10005, USA, which is a registered Broker-Dealer in the USA and a member of the National Association of Securities Dealers (CRD#13777) nor its affiliated entity, Oaktree Management Inc, an investment advisor registered with the SECASIC: PAY THE PRICE
In this activity you're going to buy items on shopping lists. First,choose a level.
LOADING MONEY SMART TEACHING: MODULE 02 Loading Money Smart Teaching: Module 02 - Personal Tax . If the course fails to load in 5 seconds. Click on the following link to launch the Money Smart Teaching: Module 02 - Personal Tax course.launch the Money Smart Teaching: Module 02 - Personal Tax course.BUDGET PLANNER
budget-planner Income Education Your take-home pay Your partner's take-home pay Income from savings and investments Centrelink benefits Family benefit payments LOADING MONEY SMART TEACHING: MODULE 04 Loading Money Smart Teaching: Module 04 - Debt Management . If the course fails to load in 5 seconds. Click on the following link to launch the Money Smart Teaching: Module 04 - Debt Management course.launch the Money Smart Teaching: Module 04 - Debt Managementcourse.
TOPIC 2: CREDIT AND DEBT Topic 2: Credit and debt . Page . 5. of . 35. moneysmart.gov.au . Lesson plan 1: Credit and debt . Knowledge levels . What content will suit your students? The level of HOW MUCH SUPER YOU NEED The Association of Superannuation Funds of Australia (ASFA) provides an industry retirement standard. This estimates how much money you'll need, depending on your lifestyle. ASFA Retirement Standard. Comfortable lifestyle. Modest lifestyle. Single. $44,224 a year. $847 a week. $28,179 a year.FINANCIAL HARDSHIP
Ask for financial hardship assistance if you're struggling to pay: rent or utility bills. mortgage repayments. credit cards or loans. home, car or health insurance. The Financial Rights Legal Centre sample letter generator can help you create a letter to apply for financial hardship assistance. Keep a AUSTRALIAN SPENDING HABITS General living expenses. In 2016, Australian households spent $666 billion on general living costs, including: $12.6 billion a year on meat versus $2.6 billion a year on seafood. $14.9 billion a year on alcohol versus $1.6 billion a year on tea and coffee. $65.8 billion a year on cars versus $2.7 billion a year on public transport. INCOME TAX CALCULATOR For the 2016-17 financial year, the marginal tax rate for incomes over $180,000 includes the Temporary Budget Repair Levy of 2%. In most cases, your employer will deduct the income tax from your wages and pay it to the ATO. 2020-2021 pre-budget reflects the tax EXCHANGE TRADED FUNDS (ETFS) Exchange traded funds (ETFs) are a low-cost way to earn a return similar to an index or a commodity. They can also help to diversify your investments. You can buy and sell units in ETFs through a stockbroker, the same way you buy and sell shares. SUPER FOR SELF-EMPLOYED PEOPLE As a guide, employers contribute at least 9.5% of an employee's earnings to super. There are limits to how much you can contribute each financial year: up to $25,000 in. concessional contributions. Concessional super contributions are payments put into your super fund from your pre-tax income and are tax deductable for self-employedpeople.
GST CALCULATOR
This calculator can help when you're making taxable sales only (that is, a sale that has 10 per cent GST in the price). To work out the cost including GST, you multiply the amount exclusive of GST by 1.1. You divide a GST inclusive cost by 11 to work out the GST component. Ataxable sale
FINANCIAL ADVISERS REGISTER Check a financial adviser. This is a register of people who provide personal advice on investments, superannuation and life insurance. Use this register to find out where a financial adviser has worked, their qualifications, training, memberships of professional bodies and what products they can advise on. To help you make the right decision TRANSITION TO RETIREMENT Alisha reduces her work hours. Alisha has just turned 60 and currently earns $50,000 a year before tax. She decides to ease into retirement by reducing her work to three days a week. This means her income will drop to $30,000. Alisha transfers $155,000 of her super to a transition to retirement pension and withdraws $9,000 each year,tax-free.
ASIC: PAY THE PRICE
In this activity you're going to buy items on shopping lists. First,choose a level.
HOME - MONEYSMART.GOV.AUBANKING AND BUDGETINGINSURANCEFINANCIAL ADVICEMANAGED FUNDS AND ETFS Manage your money. Financial counselling Free help to sort out your money. Urgent help with money If you’re struggling or in crisis. Save for an emergency fund Be prepared for life’s surprises. Managing on a low income Get the most out of your money. Problems paying your bills Understand your options. HOW MUCH SUPER YOU NEED The Association of Superannuation Funds of Australia (ASFA) provides an industry retirement standard. This estimates how much money you'll need, depending on your lifestyle. ASFA Retirement Standard. Comfortable lifestyle. Modest lifestyle. Single. $44,224 a year. $847 a week. $28,179 a year. SUPERANNUATION CALCULATOR ASIC is simplifying the superannuation and retirement planner calculators while undertaking a scheduled review of assumptions. As of 17 April 2020, these calculators will use a single set of assumptions. The default assumptions in this calculator are based on Treasury’s long-term retirement income models. For more information onTreasury’s
EXCHANGE TRADED FUNDS (ETFS) Exchange traded funds (ETFs) are a low-cost way to earn a return similar to an index or a commodity. They can also help to diversify your investments. You can buy and sell units in ETFs through a stockbroker, the same way you buy and sell shares.GST CALCULATOR
This calculator can help when you're making taxable sales only (that is, a sale that has 10 per cent GST in the price). To work out the cost including GST, you multiply the amount exclusive of GST by 1.1. You divide a GST inclusive cost by 11 to work out the GST component. Ataxable sale
ACCOUNT-BASED PENSION CALCULATOR From 1 July 2017 there is a cap on the amount of superannuation eligible to be transferred to account based pensions in retirement. This Transfer Balance Cap of $1,600,000 at 1 July 2017 is indexed with CPI inflation over time and increases in increments of $100,000. The calculator does not allow for balances in excess of the TransferBalance Cap.
FINANCIAL ASSETS CORPORATION (Note: this company is not connected and should not be confused with the legitimate firm either Financial Assets Corporation, 30 Wall Street, Suite 1203 New York, NY 10005, USA, which is a registered Broker-Dealer in the USA and a member of the National Association of Securities Dealers (CRD#13777) nor its affiliated entity, Oaktree Management Inc, an investment advisor registered with the SEC MONEY SMART TEACHING: MODULE 03 Money Smart Teaching: Module 03 - Superannuation. View more teaching resources on moneysmart.gov.au. LOADING MONEY SMART TEACHING: MODULE 04 Loading Money Smart Teaching: Module 04 - Debt Management . If the course fails to load in 5 seconds. Click on the following link to launch the Money Smart Teaching: Module 04 - Debt Management course.launch the Money Smart Teaching: Module 04 - Debt Managementcourse.
LOADING MONEY SMART TEACHING: MODULE 02 Loading Money Smart Teaching: Module 02 - Personal Tax . If the course fails to load in 5 seconds. Click on the following link to launch the Money Smart Teaching: Module 02 - Personal Tax course.launch the Money Smart Teaching: Module 02 - Personal Tax course. HOME - MONEYSMART.GOV.AUBANKING AND BUDGETINGINSURANCEFINANCIAL ADVICEMANAGED FUNDS AND ETFS Manage your money. Financial counselling Free help to sort out your money. Urgent help with money If you’re struggling or in crisis. Save for an emergency fund Be prepared for life’s surprises. Managing on a low income Get the most out of your money. Problems paying your bills Understand your options. HOW MUCH SUPER YOU NEED The Association of Superannuation Funds of Australia (ASFA) provides an industry retirement standard. This estimates how much money you'll need, depending on your lifestyle. ASFA Retirement Standard. Comfortable lifestyle. Modest lifestyle. Single. $44,224 a year. $847 a week. $28,179 a year. SUPERANNUATION CALCULATOR ASIC is simplifying the superannuation and retirement planner calculators while undertaking a scheduled review of assumptions. As of 17 April 2020, these calculators will use a single set of assumptions. The default assumptions in this calculator are based on Treasury’s long-term retirement income models. For more information onTreasury’s
EXCHANGE TRADED FUNDS (ETFS) Exchange traded funds (ETFs) are a low-cost way to earn a return similar to an index or a commodity. They can also help to diversify your investments. You can buy and sell units in ETFs through a stockbroker, the same way you buy and sell shares.GST CALCULATOR
This calculator can help when you're making taxable sales only (that is, a sale that has 10 per cent GST in the price). To work out the cost including GST, you multiply the amount exclusive of GST by 1.1. You divide a GST inclusive cost by 11 to work out the GST component. Ataxable sale
ACCOUNT-BASED PENSION CALCULATOR From 1 July 2017 there is a cap on the amount of superannuation eligible to be transferred to account based pensions in retirement. This Transfer Balance Cap of $1,600,000 at 1 July 2017 is indexed with CPI inflation over time and increases in increments of $100,000. The calculator does not allow for balances in excess of the TransferBalance Cap.
FINANCIAL ASSETS CORPORATION (Note: this company is not connected and should not be confused with the legitimate firm either Financial Assets Corporation, 30 Wall Street, Suite 1203 New York, NY 10005, USA, which is a registered Broker-Dealer in the USA and a member of the National Association of Securities Dealers (CRD#13777) nor its affiliated entity, Oaktree Management Inc, an investment advisor registered with the SEC MONEY SMART TEACHING: MODULE 03 Money Smart Teaching: Module 03 - Superannuation. View more teaching resources on moneysmart.gov.au. LOADING MONEY SMART TEACHING: MODULE 04 Loading Money Smart Teaching: Module 04 - Debt Management . If the course fails to load in 5 seconds. Click on the following link to launch the Money Smart Teaching: Module 04 - Debt Management course.launch the Money Smart Teaching: Module 04 - Debt Managementcourse.
LOADING MONEY SMART TEACHING: MODULE 02 Loading Money Smart Teaching: Module 02 - Personal Tax . If the course fails to load in 5 seconds. Click on the following link to launch the Money Smart Teaching: Module 02 - Personal Tax course.launch the Money Smart Teaching: Module 02 - Personal Tax course. INCOME TAX CALCULATOR For the 2016-17 financial year, the marginal tax rate for incomes over $180,000 includes the Temporary Budget Repair Levy of 2%. In most cases, your employer will deduct the income tax from your wages and pay it to the ATO. 2020-2021 pre-budget reflects the taxSMSFS AND PROPERTY
Higher costs – SMSF property loans tend to be more costly than other property loans. Cash flow – Loan repayments must come from your SMSF. Your fund must always have sufficient liquidity or cash flow to meet the loan repayments. Hard to cancel – If your SMSF property loan documents and contract aren't set up correctly, you can't unwind SUPER INVESTMENT OPTIONS Choose the right investment options for you. Your super fund invests your money for you. Most funds let you choose from a range of investment options, from conservative to growth. It's worth taking the time to check your options and decide what's right for you. The options you choose can make a big difference to how your super grows. REVERSE MORTGAGE AND HOME EQUITY RELEASE Reverse mortgage. A reverse mortgage allows you to borrow money using the equity in your home as security. If you're age 60, the most you can borrow is likely to be 15–20% of the value of your home. As a guide, add 1% for each year over 60. So, at 65, the most you can borrow will be about 20–25%. INSURANCE THROUGH SUPER To find out what insurance you have in your super you can: call your super fund. access your super account online. check your super fund's annual statement and the PDS. You'll be able to see: what type of insurance you have. how much cover you have. how much you're paying in premiums for the cover. TRANSITION TO RETIREMENT Alisha reduces her work hours. Alisha has just turned 60 and currently earns $50,000 a year before tax. She decides to ease into retirement by reducing her work to three days a week. This means her income will drop to $30,000. Alisha transfers $155,000 of her super to a transition to retirement pension and withdraws $9,000 each year,tax-free.
BORROWING TO INVEST
Borrowing to invest, also known as gearing or leverage, is a risky business. While you get bigger returns when markets go up, it leads to larger losses when markets fall. You still have to repay the investment loan and interest, even if your investment falls in value. Borrowing to invest is a high-risk strategy for experienced investors.ASIC: PAY THE PRICE
In this activity you're going to buy items on shopping lists. First,choose a level.
PARTY TIME - MONEYSMART.GOV.AU PARTY TIME. Hi! It's your birthday. Time to plan a party. A party will cost you money. Here you'll find out how much. Start.BUDGET PLANNER
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