Minimise your mortgage, maximise your superannuation

Australian government set the superannuation rules that help investment be more tax-effective. You can pour extra funds into your superannuation rather than into your mortgage may be a more sensible strategy for some people, particularly if you are nearing retirement.

From 1 July 2007, when you can access your taxed super benefits at age 60 or over the benefit will be tax-free whether you take it as an income or lump sum. This means you can boost your superannuation contributions now to capitalise on the ongoing tax concessions available on your super investments. Then, when you retire you may be able to use some of your accumulated superannuation benefits to pay off the balance of your mortgage.

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To benefit from this strategy you will generally need to have an interest-only mortgage arrangement. If you are only paying interest on the outstanding loan then you don’t make any capital repayments until the end of the loan term. This has the effect of reducing your ongoing mortgage cash flow commitment so you can contribute more to superannuation.

By foregoing your pre-tax salary to make concessional super contributions under a salary sacrifice arrangement, your super contributions are only taxed at 15%. This contrasts to receiving the amount as salary which is taxed at your marginal tax rates. Your investment earnings within super are also only taxed at 15% in the fund.

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When you retire under this strategy you can access your superannuation benefits tax-free and be ‘mortgage free’ at the same time once the outstanding loan is repaid.

Please speak with your financial advisor or accountant on the implications of this strategy. If required, I am happy to discuss your ability to alter your lending arrangements to benefit both you and your business.

Convert your investment property into a tax-free retirement benefit

Many people invest in property as an alternative to saving for their retirement through superannuation, often using negative gearing or borrowing strategies. While these types of property based strategies can have their own advantages, they may lack the long-term tax benefits available through superannuation.

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If you are over 60 years of age, you can access your super benefits from a taxed source as a lump sum or income stream tax-free. You can contribute up to a total limit of $150,000 a year (or $450,000 averaged over three years in some cases). There are some exceptions to the annual caps and transitional arrangements that need to be carefully managed along the way. This includes considering the total amount you have invested in super since 10 May 2006.

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If you are planning to use your investment property to fund your retirement at a later stage, you may be able to convert it into a tax-free retirement benefit if you sell it now and transfer the proceeds into superannuation.

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If you are unable to sell your property now, depending on your circumstances, another strategy may be to consider borrowing sufficient funds in the short-term to make the required personal superannuation contributions. You can then repay the loan once you have sold the property at a later stage.

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Please speak with your financial advisor or accountant about the implications of this strategy, including the implications of any borrowings and whether this strategy is appropriate for you. Please note that capital gains tax may arise on any profits realised at the time of selling your property investments and this needs to be considered also as part of the total strategy. If required, I am happy to discuss your ability to alter your lending arrangements to benefit both you and your business.

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The rules governing the transfer of business and other assets into superannuation are complex. To find out more about the right superannuation strategies for you and your business we recommend you speak with your financial adviser or accountant.

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