Marriage & family
Starting a family is an exciting journey, but it affects your super. Here's what you should do to avoid future hassles:
Changing Your Name
Ensure your super accounts match your current name.
Beneficiaries
Nominate or update beneficiaries to ensure a smooth super transfer in unforeseen circumstances.
Insurance considerations
Review your insurance coverage to protect your family's future security.
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Career Breaks
Taking a career break or working less can impact your super, whether for travel, personal reasons, or family matters. Here's how to keep it on track:
- Combine your super: Streamline your super accounts to reduce fees and maximise growth.
- Contribution splitting: Share contributions with your spouse for a more balanced retirement strategy.
- Set up spouse contributions: Contribute to your spouse's super, and possibly save on tax or possibly save on income tax.
- Make extra contributions: Consider making additional contributions to compensate for lost savings during your break.
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Access your super early
If you're facing financial hardship, compassionate circumstances, or illness, you might need to access your super before retirement.
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Super and divorce
Relationship breakdowns can be stressful so we’ve made a list of what you might need to think about in relation to your super.
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