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	<title>SuperBiz &#187; Superannuation</title>
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	<link>http://www.robbourne.com.au</link>
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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>New superannuation rules for high income earners</title>
		<link>http://www.robbourne.com.au/new-superannuation-rules-for-high-income-earners/</link>
		<comments>http://www.robbourne.com.au/new-superannuation-rules-for-high-income-earners/#comments</comments>
		<pubDate>Sun, 13 May 2012 02:17:52 +0000</pubDate>
		<dc:creator>Rob</dc:creator>
				<category><![CDATA[Super - Latest news]]></category>
		<category><![CDATA[Superannuation]]></category>

		<guid isPermaLink="false">http://www.robbourne.com.au/?p=1085</guid>
		<description><![CDATA[


As Benjamin Franklin once said &#8220;nothing is certain except death and taxes.&#8221; In the May 2012 budget the Federal Government announced higher superannuation taxes for those earning more than $300,000 p.a.
From 1st July 2012, if you earn more than $300,000 p.a. you will pay 30% tax on pre-tax  [...]]]></description>
		<wfw:commentRss>http://www.robbourne.com.au/new-superannuation-rules-for-high-income-earners/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>Govt accused of reincarnating superannuation surcharge</title>
		<link>http://www.robbourne.com.au/govt-accused-of-reincarnating-superannuation-surcharge/</link>
		<comments>http://www.robbourne.com.au/govt-accused-of-reincarnating-superannuation-surcharge/#comments</comments>
		<pubDate>Tue, 01 May 2012 02:08:30 +0000</pubDate>
		<dc:creator>Rob</dc:creator>
				<category><![CDATA[Super - Latest news]]></category>
		<category><![CDATA[super surcharge]]></category>
		<category><![CDATA[Superannuation]]></category>

		<guid isPermaLink="false">http://www.robbourne.com.au/?p=1065</guid>
		<description><![CDATA[


The Federal Government has been warned that any move in the Federal Budget to increase the superannuation contributions tax on high income earners will simply represent a reincarnation of the superannuation surcharge.
The Small Independent Superannuation Funds Association (SISFA) has made the  [...]]]></description>
		<wfw:commentRss>http://www.robbourne.com.au/govt-accused-of-reincarnating-superannuation-surcharge/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Budget set to deliver super-sized tax bill for superannuation savers</title>
		<link>http://www.robbourne.com.au/budget-set-to-deliver-super-sized-tax-bill-for-superannuation-savers/</link>
		<comments>http://www.robbourne.com.au/budget-set-to-deliver-super-sized-tax-bill-for-superannuation-savers/#comments</comments>
		<pubDate>Sat, 28 Apr 2012 01:58:11 +0000</pubDate>
		<dc:creator>Rob</dc:creator>
				<category><![CDATA[Super - Latest news]]></category>
		<category><![CDATA[Superannuation]]></category>

		<guid isPermaLink="false">http://www.robbourne.com.au/?p=1062</guid>
		<description><![CDATA[


THE Budget looks set to add $1 billion to the tax bill of the richest superannuation savers by putting an end to the 15 per cent flat tax on contributions.
And the Government will challenge the Opposition to reject this means-testing measure which will affect only the top income earners.
All  [...]]]></description>
		<wfw:commentRss>http://www.robbourne.com.au/budget-set-to-deliver-super-sized-tax-bill-for-superannuation-savers/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>Govt must rule out super tax concession cuts</title>
		<link>http://www.robbourne.com.au/govt-must-rule-out-super-tax-concession-cuts/</link>
		<comments>http://www.robbourne.com.au/govt-must-rule-out-super-tax-concession-cuts/#comments</comments>
		<pubDate>Mon, 23 Apr 2012 01:15:40 +0000</pubDate>
		<dc:creator>Rob</dc:creator>
				<category><![CDATA[Super - Latest news]]></category>
		<category><![CDATA[Superannuation]]></category>

		<guid isPermaLink="false">http://www.robbourne.com.au/?p=1055</guid>
		<description><![CDATA[


Four industry bodies unite to reject the budget plan.
Industry bodies have united to oppose a leaked plan to reduce tax breaks on super contributions.
The government risks undermining confidence in its superannuation reforms and leaving Australians poorer in retirement if it reduces tax  [...]]]></description>
		<wfw:commentRss>http://www.robbourne.com.au/govt-must-rule-out-super-tax-concession-cuts/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>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>Superannuation and retirement not keeping boomers awake at night</title>
		<link>http://www.robbourne.com.au/superannuation-and-retirement-not-keeping-boomers-awake-at-night/</link>
		<comments>http://www.robbourne.com.au/superannuation-and-retirement-not-keeping-boomers-awake-at-night/#comments</comments>
		<pubDate>Tue, 10 Apr 2012 06:23:04 +0000</pubDate>
		<dc:creator>Rob</dc:creator>
				<category><![CDATA[Retirement planning - Latest news]]></category>
		<category><![CDATA[Super - Latest news]]></category>
		<category><![CDATA[retirement plann]]></category>
		<category><![CDATA[Superannuation]]></category>

		<guid isPermaLink="false">http://www.robbourne.com.au/?p=1031</guid>
		<description><![CDATA[


Australian baby boomers are less concerned about superannuation than expected considering many are fast approaching retirement, said Sunsuper&#8217;s general manager, customer experience Teifi Whatley.
Home ownership aspirations have taken a backseat to Australians&#8217; dreams of financial  [...]]]></description>
		<wfw:commentRss>http://www.robbourne.com.au/superannuation-and-retirement-not-keeping-boomers-awake-at-night/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>The age pension was fairer than super</title>
		<link>http://www.robbourne.com.au/the-age-pension-was-fairer-than-super/</link>
		<comments>http://www.robbourne.com.au/the-age-pension-was-fairer-than-super/#comments</comments>
		<pubDate>Sat, 31 Mar 2012 22:24:52 +0000</pubDate>
		<dc:creator>Rob</dc:creator>
				<category><![CDATA[Retirement planning - Latest news]]></category>
		<category><![CDATA[Super - Latest news]]></category>
		<category><![CDATA[age pension]]></category>
		<category><![CDATA[Superannuation]]></category>

		<guid isPermaLink="false">http://www.robbourne.com.au/?p=998</guid>
		<description><![CDATA[


Labor has the politics of superannuation badly wrong. Its core constituency would be much better off without it.
So would the economy. But Labor has long promoted super as &#8216;gift&#8217; to ordinary workers that it compels employers to provide.
Recently, however, the superannuation minister Bill  [...]]]></description>
		<wfw:commentRss>http://www.robbourne.com.au/the-age-pension-was-fairer-than-super/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Superannuation and eligible termination payment (ETP) benefits ending on June 30</title>
		<link>http://www.robbourne.com.au/superannuation-and-eligible-termination-payment-etp-benefits-ending-on-june-30/</link>
		<comments>http://www.robbourne.com.au/superannuation-and-eligible-termination-payment-etp-benefits-ending-on-june-30/#comments</comments>
		<pubDate>Fri, 30 Mar 2012 21:01:59 +0000</pubDate>
		<dc:creator>Rob</dc:creator>
				<category><![CDATA[Super - Latest news]]></category>
		<category><![CDATA[ETP payments]]></category>
		<category><![CDATA[Superannuation]]></category>

		<guid isPermaLink="false">http://www.robbourne.com.au/?p=992</guid>
		<description><![CDATA[


QUESTION: I heard there are superannuation and eligible termination payment (ETP) benefits ending on June 30. What are they and what should I be considering?
ANSWER: With June 30 just 13 weeks away, you should consider taking advantage of opportunities that will no longer be available  [...]]]></description>
		<wfw:commentRss>http://www.robbourne.com.au/superannuation-and-eligible-termination-payment-etp-benefits-ending-on-june-30/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Super funds regain 2011 losses, and then some.</title>
		<link>http://www.robbourne.com.au/super-funds-regain-2011-losses-and-then-some/</link>
		<comments>http://www.robbourne.com.au/super-funds-regain-2011-losses-and-then-some/#comments</comments>
		<pubDate>Fri, 30 Mar 2012 08:37:46 +0000</pubDate>
		<dc:creator>Rob</dc:creator>
				<category><![CDATA[Super - Latest news]]></category>
		<category><![CDATA[Superannuation]]></category>

		<guid isPermaLink="false">http://www.robbourne.com.au/?p=989</guid>
		<description><![CDATA[


The median growth superannuation fund returned 4.3 per cent in the first two months of 2012 &#8211; more than recouping the losses suffered in 2011, according to Morningstar.
The gains in the beginning of 2012 reflect the strength of growth assets so far this year, with the ASX 300 Accumulation  [...]]]></description>
		<wfw:commentRss>http://www.robbourne.com.au/super-funds-regain-2011-losses-and-then-some/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Super will cost billions more</title>
		<link>http://www.robbourne.com.au/super-will-cost-billions-more/</link>
		<comments>http://www.robbourne.com.au/super-will-cost-billions-more/#comments</comments>
		<pubDate>Wed, 28 Mar 2012 05:39:47 +0000</pubDate>
		<dc:creator>Rob</dc:creator>
				<category><![CDATA[Super - Latest news]]></category>
		<category><![CDATA[Superannuation]]></category>

		<guid isPermaLink="false">http://www.robbourne.com.au/?p=969</guid>
		<description><![CDATA[


SUPERANNUATION is, like Medicare, one of the Labor reforms that has stuck. There is widespread support for tax breaks to encourage people to provide for themselves in retirement, reducing their dependence on the public pension.
There is little public resentment of the compulsory element of  [...]]]></description>
		<wfw:commentRss>http://www.robbourne.com.au/super-will-cost-billions-more/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>What is Superannuation?</title>
		<link>http://www.robbourne.com.au/what-is-superannuation/</link>
		<comments>http://www.robbourne.com.au/what-is-superannuation/#comments</comments>
		<pubDate>Wed, 22 Feb 2012 22:46:50 +0000</pubDate>
		<dc:creator>Rob</dc:creator>
				<category><![CDATA[Financial education - superannuation]]></category>
		<category><![CDATA[Super - Latest news]]></category>
		<category><![CDATA[super co-contributions]]></category>
		<category><![CDATA[Superannuation]]></category>
		<category><![CDATA[superbiz]]></category>

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		<description><![CDATA[In Australia superannuation (super) is a retirement program covered by government legislation. It is designed to provide and encourage individuals to build a nest egg they can draw on in retirement.
]]></description>
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