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Superannuation Strategies

There are many strategies that involve your super fund regardless of whether you have a SMSF, retail or industry fund. Birchcorp will help you determine the applicable strategies to improve your retirement dollars. Several common strategies may include:


  1. Salary sacrificing - using pre tax dollars to improve your retirement income.
  2. Government Co-contribution - Earn a free $1500 for making a non-concessional contribution.
  3. Spousal Tax Offset - Making contributions to a spouse superannuation has an associated tax offset of up to $540p.a.
  4. Claim a tax deduction for super contributions if you pass the 10% eligible employment test.
  5. Using the contributions caps effectively to improve your retirement nest egg.
  6. Do not pay off your home over 50 years of age and make an extra 45% return on your money.
  7. Use Small business tax relief to improve your retirement outcome.
  8. Transition to Retirement strategy.
  9. Re-contribution Strategy.
  10. Running both accumulation accounts and pension accounts efficiently to maintain your retiremnet funds. Rolling back and the like.
  11. The proficient use of reserves.
  12. Transfer of assets into an SMSF for a loss (in specie transfer).
  13. Maximising non-concessional contributions.
  14. Borrow for a property purchase.
  15. The use of SMSF wills.
  16. Low Income Super Contribution (LISC)


These strategies are some of the very basic ideas available and may be used in conjunction with Birchcorp’s technical strategies that will be catered to your individual needs.

Purchase Property in your SMSF

SMSF and property investments: Although many property spruikers stand before you and sell the concept that everyone must buy a property in your SMSF. Birchcorp is here to say that there is much time and effort required for an investor to decide to embark on this complicated arrangement. Although Birchcorp is happy to say the process is as easy as 1,2,3... it is not a process that should be taken lightly. We are professionals and have processed these SMSF establishments and ongoing services many times. A complacent trustee can easily come into serious trouble with the govern... Read More


Birchcorp can show you how you may purchase your Insurance with no out of pocket expense.

Unlike other Financial Planning firms, Birchcorp is happy to show you how and why you can decrease your Insurance coverage... Read More

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Birchcorp Pty Ltd ABN 56 132 775 654 is a Corporate Authorised Representative (No. 339299)
of Dover Financial Advisers Pty Ltd ABN 87 112 139321, which is the holder of an AFSL No. 307248. Birchcorp Pty Ltd is an Accredited Member of the FBAA with an ACL No. 376718.