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Super cheap soccer cleats nike shoes for soccer together with your super cheap soccer cleats home, your super is likely nike shoes for soccer to be one of the most valuable assets you ever own. That means it’s important to understand where it’s invested and to be active and engaged in managing it.
So if you’re new to the workforce or just new to super, here are seven steps towards understanding your super and staying on track.
If you’re over 18, your employer generally has to pay you super, whether you’re working part time or full time. If you’re under 18 and working 30 hours a week or more, you should also generally get super.
If you’re a contractor, you may be entitled to super if you’re being paid for your labour, even if you invoice using an Australian Business Number (ABN). Most people can choose their own fund, except for employees hired under some older styles of workplace agreement, including state awards.
You can also make extra contributions yourself, either by putting some of your pretax salary or your aftertax salary into super by asking your employer to make extra contributions. A pretax contribution is called salary sacrifice’. It can be an especially effective way of adding to your super, because these contributions are only taxed at 15%, instead of your marginal tax rate.
They’ll send you regular statements to let you know how your savings are going. If you have a choice of funds in your new job, you super cheap soccer cleats may be able to ask your new employer to keep contributing to the same super account as before. If not, you may want to transfer your existing savings into your new fund. That makes it easier to keep track of your money, as well as potentially helping you save on fees. Contact us to find out more about combining your super. Unless you’re in severe financial hardship, incapacitated or seriously ill, you will not be able to access it early. So super is very much about preparing for retirement. If in doubt, it’s a good idea to talk to a financial adviser. They can help put you on the right track today, so you can enjoy a brighter future tomorrow.
Find out more
Read more about super and your first job with our fast and easy guide for new workers, choose a super fund in five steps, combining your super or use nike shoes for soccer our handy online calculator to find out how much super is enough.
This article is proudly brought to you by. Wherever you stand on investments and super, has options for you. This document is not advice and provides information only. nike super cheap soccer cleats shoes for soccer It does not take into account your individual objectives, financial situation or needs. You should read the relevant Product Disclosure Statement available from the product issuer carefully and assess whether the information is appropriate for you and consider talking to a financial adviser before making an investment decision nike shoes for soccer.