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	<title>SuperBiz &#187; Financial Education</title>
	<atom:link href="http://www.robbourne.com.au/category/financial-education/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.robbourne.com.au</link>
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	<lastBuildDate>Thu, 17 May 2012 11:35:08 +0000</lastBuildDate>
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		<item>
		<title>Should I salary sacrifice?</title>
		<link>http://www.robbourne.com.au/should-i-salary-sacrifice/</link>
		<comments>http://www.robbourne.com.au/should-i-salary-sacrifice/#comments</comments>
		<pubDate>Thu, 17 May 2012 11:35:08 +0000</pubDate>
		<dc:creator>Rob</dc:creator>
				<category><![CDATA[Financial education - superannuation]]></category>
		<category><![CDATA[Super - Investment Strategies]]></category>
		<category><![CDATA[Super - Latest news]]></category>
		<category><![CDATA[salary sacrifice]]></category>
		<category><![CDATA[Superannuation]]></category>

		<guid isPermaLink="false">http://www.robbourne.com.au/?p=1098</guid>
		<description><![CDATA[


Generally, there are two reasons why you may want to salary sacrifice. The first is to boost your super for retirement. The second is to reduce tax on your salary.
If your primary reason is to boost your super for retirement then making contributions yourself via salary sacrifice is a  [...]]]></description>
		<wfw:commentRss>http://www.robbourne.com.au/should-i-salary-sacrifice/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Excess super contributions tax</title>
		<link>http://www.robbourne.com.au/excess-super-contributions-tax/</link>
		<comments>http://www.robbourne.com.au/excess-super-contributions-tax/#comments</comments>
		<pubDate>Wed, 16 May 2012 01:34:20 +0000</pubDate>
		<dc:creator>Rob</dc:creator>
				<category><![CDATA[Financial education - superannuation]]></category>
		<category><![CDATA[Super - Latest news]]></category>
		<category><![CDATA[excess contributions tax]]></category>
		<category><![CDATA[superannuation contributions]]></category>

		<guid isPermaLink="false">http://www.robbourne.com.au/?p=1092</guid>
		<description><![CDATA[


Excess superannuation contributions tax is an additional tax applied to super contributions which exceed the contribution cap limits.
There are two types of contributions which can be made to super and both have a maximum limit per year before the excess tax is applied.
The first type of  [...]]]></description>
		<wfw:commentRss>http://www.robbourne.com.au/excess-super-contributions-tax/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Changes to the government superannuation co-contribution scheme from July 2012</title>
		<link>http://www.robbourne.com.au/changes-to-the-government-superannuation-co-contribution-scheme-from-july-2012/</link>
		<comments>http://www.robbourne.com.au/changes-to-the-government-superannuation-co-contribution-scheme-from-july-2012/#comments</comments>
		<pubDate>Thu, 10 May 2012 00:17:42 +0000</pubDate>
		<dc:creator>Rob</dc:creator>
				<category><![CDATA[Financial education - superannuation]]></category>
		<category><![CDATA[Super - Latest news]]></category>
		<category><![CDATA[co-contribution]]></category>
		<category><![CDATA[super co-contributions]]></category>

		<guid isPermaLink="false">http://www.robbourne.com.au/?p=1079</guid>
		<description><![CDATA[


Prior to the May 2012 Federal budget the government announced a reduction in the superannuation co-contribution scheme.
The government will reduce the maximum co-contribution to $500 from 1st July 2012 on a 1 for 2 basis. For the current financial year ending on 30th June 2012, a person can  [...]]]></description>
		<wfw:commentRss>http://www.robbourne.com.au/changes-to-the-government-superannuation-co-contribution-scheme-from-july-2012/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Beware the salary sacrifice trap</title>
		<link>http://www.robbourne.com.au/beware-the-salary-sacrifice-trap/</link>
		<comments>http://www.robbourne.com.au/beware-the-salary-sacrifice-trap/#comments</comments>
		<pubDate>Wed, 09 May 2012 09:01:31 +0000</pubDate>
		<dc:creator>Rob</dc:creator>
				<category><![CDATA[Financial education - superannuation]]></category>
		<category><![CDATA[Super - Latest news]]></category>
		<category><![CDATA[salary sacrifice]]></category>
		<category><![CDATA[Superannuation]]></category>

		<guid isPermaLink="false">http://www.robbourne.com.au/?p=1072</guid>
		<description><![CDATA[



The Federal Government announced numerous proposals in the budget presented on 8th May 2012.

One of these was the deferral of allowing individuals with superannuation balances under $500,000 to contribute more than $25,000 into super until 1st July 2014. In the 2010 budget they announced  [...]]]></description>
		<wfw:commentRss>http://www.robbourne.com.au/beware-the-salary-sacrifice-trap/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Bad news for retiring Baby Boomers</title>
		<link>http://www.robbourne.com.au/bad-news-for-retiring-baby-boomers/</link>
		<comments>http://www.robbourne.com.au/bad-news-for-retiring-baby-boomers/#comments</comments>
		<pubDate>Wed, 09 May 2012 04:54:43 +0000</pubDate>
		<dc:creator>Rob</dc:creator>
				<category><![CDATA[Financial education - general]]></category>
		<category><![CDATA[Retirement planning - Latest news]]></category>
		<category><![CDATA[Super - Latest news]]></category>
		<category><![CDATA[Baby Boomers]]></category>
		<category><![CDATA[Superannuation]]></category>

		<guid isPermaLink="false">http://www.robbourne.com.au/?p=1068</guid>
		<description><![CDATA[


The Federal Government last night announced a deferral of the pre-tax contribution cap limit until 2014/2015.
This is bad news for anyone trying to boost their super over the next 2 years through salary sacrifice arrangements or for self employed people looking to make deductible  [...]]]></description>
		<wfw:commentRss>http://www.robbourne.com.au/bad-news-for-retiring-baby-boomers/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Success in going it alone</title>
		<link>http://www.robbourne.com.au/success-in-going-it-alone/</link>
		<comments>http://www.robbourne.com.au/success-in-going-it-alone/#comments</comments>
		<pubDate>Wed, 25 Apr 2012 01:38:43 +0000</pubDate>
		<dc:creator>Rob</dc:creator>
				<category><![CDATA[Financial education - superannuation]]></category>
		<category><![CDATA[Super - Investment Strategies]]></category>
		<category><![CDATA[Super - Latest news]]></category>
		<category><![CDATA[smsf]]></category>
		<category><![CDATA[Superannuation]]></category>

		<guid isPermaLink="false">http://www.robbourne.com.au/?p=1059</guid>
		<description><![CDATA[


In an era when superannuation returns have been disappointing, John Collett examines the pros and cons of taking charge of your own fund.
 Savvy baby boomers are increasingly asking themselves whether or not to start a DIY superannuation fund. Woeful returns from providers and high fees are  [...]]]></description>
		<wfw:commentRss>http://www.robbourne.com.au/success-in-going-it-alone/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>DIY super funds show experts how it&#8217;s done</title>
		<link>http://www.robbourne.com.au/diy-super-funds-show-experts-how-its-done/</link>
		<comments>http://www.robbourne.com.au/diy-super-funds-show-experts-how-its-done/#comments</comments>
		<pubDate>Fri, 20 Apr 2012 22:16:37 +0000</pubDate>
		<dc:creator>Rob</dc:creator>
				<category><![CDATA[Financial education - superannuation]]></category>
		<category><![CDATA[Super - Latest news]]></category>
		<category><![CDATA[smsf]]></category>
		<category><![CDATA[Superannuation]]></category>

		<guid isPermaLink="false">http://www.robbourne.com.au/?p=1051</guid>
		<description><![CDATA[


Many people would be surprised to learn that the biggest sector in Australia&#8217;s superannuation industry isn&#8217;t industry funds or the big retail funds that dominate the headlines.
Nor is it government or employer funds. Yes, 99 per cent of super funds and almost one-third of super assets are in  [...]]]></description>
		<wfw:commentRss>http://www.robbourne.com.au/diy-super-funds-show-experts-how-its-done/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Terminal terminology</title>
		<link>http://www.robbourne.com.au/terminal-terminology/</link>
		<comments>http://www.robbourne.com.au/terminal-terminology/#comments</comments>
		<pubDate>Tue, 17 Apr 2012 21:59:45 +0000</pubDate>
		<dc:creator>Rob</dc:creator>
				<category><![CDATA[Financial education - general]]></category>
		<category><![CDATA[Super - Latest news]]></category>
		<category><![CDATA[Superannuation]]></category>

		<guid isPermaLink="false">http://www.robbourne.com.au/?p=1045</guid>
		<description><![CDATA[


Most Australians think jargon renders super baffling and boring, so let&#8217;s rephrase that.
Are you in breach of your concessional contributions cap because you didn&#8217;t factor in the super guarantee before you made salary-sacrifice contributions, thus incurring excess contributions tax? Or did I  [...]]]></description>
		<wfw:commentRss>http://www.robbourne.com.au/terminal-terminology/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Retirees increasingly opt for self managed funds</title>
		<link>http://www.robbourne.com.au/retirees-increasingly-opt-for-self-managed-funds/</link>
		<comments>http://www.robbourne.com.au/retirees-increasingly-opt-for-self-managed-funds/#comments</comments>
		<pubDate>Tue, 17 Apr 2012 08:42:28 +0000</pubDate>
		<dc:creator>Rob</dc:creator>
				<category><![CDATA[Financial education - retirement]]></category>
		<category><![CDATA[Retirement planning - Latest news]]></category>
		<category><![CDATA[Super - Latest news]]></category>
		<category><![CDATA[smsf]]></category>
		<category><![CDATA[Superannuation]]></category>

		<guid isPermaLink="false">http://www.robbourne.com.au/?p=1041</guid>
		<description><![CDATA[


Statistics from the Australian Taxation Office (ATO) suggest that a growing number of retirees are moving their life pension savings into self-managed superannuation funds (SMSFs), with about 30 per cent of SMSFs starting pension payments in 2010 being less than two years old, according to a  [...]]]></description>
		<wfw:commentRss>http://www.robbourne.com.au/retirees-increasingly-opt-for-self-managed-funds/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>New requirements for employers under superannuation reforms</title>
		<link>http://www.robbourne.com.au/new-requirements-for-employers-under-superannuation-reforms/</link>
		<comments>http://www.robbourne.com.au/new-requirements-for-employers-under-superannuation-reforms/#comments</comments>
		<pubDate>Sun, 15 Apr 2012 22:06:18 +0000</pubDate>
		<dc:creator>Rob</dc:creator>
				<category><![CDATA[Financial education - superannuation]]></category>
		<category><![CDATA[Super - Latest news]]></category>
		<category><![CDATA[superannuation reforms]]></category>

		<guid isPermaLink="false">http://www.robbourne.com.au/?p=1048</guid>
		<description><![CDATA[


The Federal Government is currently in the process of passing new reforms to the Superannuation Guarantees Administration Act 1992(Cth).
The Superannuation Legislation Amendment (MySuper Core Provisions) Bill 2011 was introduced on 3 November 2011 and is proposed to come into effect from  [...]]]></description>
		<wfw:commentRss>http://www.robbourne.com.au/new-requirements-for-employers-under-superannuation-reforms/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Pros and cons of owning insurance</title>
		<link>http://www.robbourne.com.au/pros-and-cons-of-owning-insurance/</link>
		<comments>http://www.robbourne.com.au/pros-and-cons-of-owning-insurance/#comments</comments>
		<pubDate>Sat, 14 Apr 2012 08:38:12 +0000</pubDate>
		<dc:creator>Rob</dc:creator>
				<category><![CDATA[Financial education - superannuation]]></category>
		<category><![CDATA[Super - Latest news]]></category>
		<category><![CDATA[insurance in suuper]]></category>

		<guid isPermaLink="false">http://www.robbourne.com.au/?p=1038</guid>
		<description><![CDATA[


WHAT is the difference between owning insurance under my super fund and owning it in my own name?
ANSWER: Determining the most appropriate structure to own insurance is dependent upon your age, whether you have a spouse and the age of your other beneficiaries. I will assume that the level of  [...]]]></description>
		<wfw:commentRss>http://www.robbourne.com.au/pros-and-cons-of-owning-insurance/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Businesswomen have inadequate superannuation, survey finds</title>
		<link>http://www.robbourne.com.au/businesswomen-have-inadequate-superannuation-survey-finds/</link>
		<comments>http://www.robbourne.com.au/businesswomen-have-inadequate-superannuation-survey-finds/#comments</comments>
		<pubDate>Thu, 12 Apr 2012 08:33:28 +0000</pubDate>
		<dc:creator>Rob</dc:creator>
				<category><![CDATA[Financial education - general]]></category>
		<category><![CDATA[Super - Latest news]]></category>
		<category><![CDATA[Superannuation]]></category>

		<guid isPermaLink="false">http://www.robbourne.com.au/?p=1035</guid>
		<description><![CDATA[


THOUSANDS of young businesswomen are facing poverty in old age, with less than half contributing to superannuation, research shows. 
Many Australian female business owners will outlive their savings and be unable to sustain current lifestyles in retirement, according to a survey conducted by  [...]]]></description>
		<wfw:commentRss>http://www.robbourne.com.au/businesswomen-have-inadequate-superannuation-survey-finds/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Super members &#8216;clueless&#8217; on retirement income</title>
		<link>http://www.robbourne.com.au/super-members-clueless-on-retirement-income/</link>
		<comments>http://www.robbourne.com.au/super-members-clueless-on-retirement-income/#comments</comments>
		<pubDate>Mon, 09 Apr 2012 06:07:45 +0000</pubDate>
		<dc:creator>Rob</dc:creator>
				<category><![CDATA[Financial education - general]]></category>
		<category><![CDATA[Retirement planning - Latest news]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.robbourne.com.au/?p=1024</guid>
		<description><![CDATA[


IT&#8217;S the great Australian turn-off. Despite 20 years of compulsory superannuation, people aged 50 to 74 years have a &#8221;surprisingly poor&#8221; grasp of which investment choices ensure the best retirement income, university researchers have found.
Of 920 people surveyed who had money in a super fund  [...]]]></description>
		<wfw:commentRss>http://www.robbourne.com.au/super-members-clueless-on-retirement-income/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Don&#8217;t skewer super for a house</title>
		<link>http://www.robbourne.com.au/dont-skewer-super-for-a-house/</link>
		<comments>http://www.robbourne.com.au/dont-skewer-super-for-a-house/#comments</comments>
		<pubDate>Mon, 02 Apr 2012 22:49:50 +0000</pubDate>
		<dc:creator>Rob</dc:creator>
				<category><![CDATA[Financial education - general]]></category>
		<category><![CDATA[Super - Latest news]]></category>
		<category><![CDATA[Superannuation]]></category>

		<guid isPermaLink="false">http://www.robbourne.com.au/?p=1003</guid>
		<description><![CDATA[


BUYING that first home is never easy, and ideas to help young people get ahead are floated continually.
The latest one is changing the rules to allow young people to use their superannuation as house deposit. Apart from driving up house prices the plan has two other major faults &#8211; it ignores  [...]]]></description>
		<wfw:commentRss>http://www.robbourne.com.au/dont-skewer-super-for-a-house/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Explaining superannuation</title>
		<link>http://www.robbourne.com.au/explaining-superannuation/</link>
		<comments>http://www.robbourne.com.au/explaining-superannuation/#comments</comments>
		<pubDate>Mon, 26 Mar 2012 02:26:36 +0000</pubDate>
		<dc:creator>Rob</dc:creator>
				<category><![CDATA[Financial education - superannuation]]></category>
		<category><![CDATA[Super - Investment Strategies]]></category>
		<category><![CDATA[Super - Latest news]]></category>
		<category><![CDATA[Superannuation]]></category>

		<guid isPermaLink="false">http://www.robbourne.com.au/?p=958</guid>
		<description><![CDATA[


The biggest criticism of superannuation is that super will not provide people currently working with enough money to retire on.

One of the stats that always impresses me is that it was only on the 1st of July 2002 that the employer contribution rate increased to 9% &#8211; it is less than 10 years  [...]]]></description>
		<wfw:commentRss>http://www.robbourne.com.au/explaining-superannuation/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Age-old questions need answers</title>
		<link>http://www.robbourne.com.au/953/</link>
		<comments>http://www.robbourne.com.au/953/#comments</comments>
		<pubDate>Mon, 26 Mar 2012 02:13:31 +0000</pubDate>
		<dc:creator>Rob</dc:creator>
				<category><![CDATA[Financial education - retirement]]></category>
		<category><![CDATA[Retirement planning - Latest news]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.robbourne.com.au/?p=953</guid>
		<description><![CDATA[


DECIDING when to retire can be one of the scariest decisions you will make. Get the timing wrong and it can affect the way you live for decades.
It used to be simple. Most would aim for 55, 60 or 65 years of age, and their superannuation would pay a defined annual benefit which could be  [...]]]></description>
		<wfw:commentRss>http://www.robbourne.com.au/953/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Super for New and Existing Employees</title>
		<link>http://www.robbourne.com.au/super-for-new/</link>
		<comments>http://www.robbourne.com.au/super-for-new/#comments</comments>
		<pubDate>Fri, 23 Mar 2012 01:22:10 +0000</pubDate>
		<dc:creator>Rob</dc:creator>
				<category><![CDATA[Financial education - superannuation]]></category>
		<category><![CDATA[Super - Latest news]]></category>

		<guid isPermaLink="false">http://robbourne.com.au/?p=776</guid>
		<description><![CDATA[Explanation of superannuation for new and existing employees. What contributions you can make to super and how you can access super including insurance options available in most funds]]></description>
		<wfw:commentRss>http://www.robbourne.com.au/super-for-new/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Planning for a pension</title>
		<link>http://www.robbourne.com.au/planning-for-a-pension/</link>
		<comments>http://www.robbourne.com.au/planning-for-a-pension/#comments</comments>
		<pubDate>Wed, 21 Mar 2012 03:08:22 +0000</pubDate>
		<dc:creator>Rob</dc:creator>
				<category><![CDATA[Financial education - retirement]]></category>
		<category><![CDATA[Retirement planning - Latest news]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.robbourne.com.au/?p=901</guid>
		<description><![CDATA[


The strategy: To maximise my age-pension entitlement.
Can I do that? As this week&#8217;s cover story outlines, qualifying for even $1 of age pension can be a big help in making ends meet as you are eligible for the pensioner concession card and all the discounts that come with it. If you have lost  [...]]]></description>
		<wfw:commentRss>http://www.robbourne.com.au/planning-for-a-pension/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Millions to directly benefit from mining tax with superannuation savings</title>
		<link>http://www.robbourne.com.au/millions-to-directly-benefit-from-mining-tax-with-superannuation-savings/</link>
		<comments>http://www.robbourne.com.au/millions-to-directly-benefit-from-mining-tax-with-superannuation-savings/#comments</comments>
		<pubDate>Wed, 21 Mar 2012 02:52:30 +0000</pubDate>
		<dc:creator>Rob</dc:creator>
				<category><![CDATA[Financial education - general]]></category>
		<category><![CDATA[Super - Latest news]]></category>
		<category><![CDATA[mining tax]]></category>

		<guid isPermaLink="false">http://www.robbourne.com.au/?p=896</guid>
		<description><![CDATA[


ABOUT 3.6 million low income earners will start to get a $1.9 billion injection into their retirement savings from July following passage of the Government&#8217;s mining profits tax.
This will lead to a big boost to the superannuation accounts of two million low-income women who usually have great  [...]]]></description>
		<wfw:commentRss>http://www.robbourne.com.au/millions-to-directly-benefit-from-mining-tax-with-superannuation-savings/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Employers obligations to pay superannuation in Australia</title>
		<link>http://www.robbourne.com.au/employers-obligations-to-pay-superannuation-in-australia/</link>
		<comments>http://www.robbourne.com.au/employers-obligations-to-pay-superannuation-in-australia/#comments</comments>
		<pubDate>Thu, 23 Feb 2012 00:26:26 +0000</pubDate>
		<dc:creator>Rob</dc:creator>
				<category><![CDATA[Financial education - superannuation]]></category>
		<category><![CDATA[Super - Latest news]]></category>

		<guid isPermaLink="false">http://robbourne.com.au/?p=643</guid>
		<description><![CDATA[Explanation of the obligation employer's have to pay superannuation for employees in Australia]]></description>
		<wfw:commentRss>http://www.robbourne.com.au/employers-obligations-to-pay-superannuation-in-australia/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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