Planning Your Super Contributions for the Year Ahead Why business owners should think beyond EOFY
For many business owners, superannuation is something that gets attention in June - when tax planning comes into focus. But
another real opportunity lies in planning your super contributions
at the start of the financial year, not the end.
With key changes like Payday Super now in play, and ongoing pressure on cash flow, taking a proactive
approach can help you build wealth, manage tax, and avoid last-minute decisions.
Final thoughts: Plan ahead, stay in control
Super is not just a tax strategy - it’s a wealth strategy.
And for business owners, the earlier you plan, the more control you have over cash flow, the less pressure you face at year-end and, the
stronger your long-term position becomes.
With Payday Super increasing the frequency of obligations, now is the time to shift from reactive to proactive planning, for your
team, and for yourself.
Plan Ahead. Stay in Control.
If you’d like to review your super strategy or plan contributions for the year ahead, our team can help you align your structure, cash flow
and long-term goals.
Falling behind on your BAS lodgements looks like an administrative problem. Left long enough, it becomes an expensive one, because the GST you collected stays payable indefinitely while the GST credits you are owed disappear after four years. Here is what that looks like in dollars.
Building an Investment Property? Structure the Finance Before You Build
With negative gearing now quarantined for established dwellings, new house and land has become the sensible play for investors — but there is a trap in the first eighteen months. Interest on the land is denied, while interest on the construction is not. If the bank has written one loan, someone has to do the sums. Here is why it pays to split the loan before you sign.
When the draft legislation for the trust minimum tax was released, it came with a reassurance: if you do not want to restructure, you can simply make an election instead — no restructure, and no state stamp duty. That is accurate, but it is also a very small part of the decision. Here is why you should choose your structure for the eventual sale of your business, not for the announcement.
