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Hi <%= recipient.firstName %>,
Thinking about how you could have more saved for retirement?
Salary sacrificing is a small change you can make now that could make a real difference to your retirement. Over time, even small contributions can really boost your super balance.
A little goes a long way.
Adding as little as $20 a week to your super
could add up to $12,808* extra in retirement
Just a little extra per week can increase the size of your super balance in retirement.
That extra Salary Sacrifice adds up to $12,808* more in retirement!
Graph is for illustrative purposes only, not to scale.
*For example, a 55 year old with $50,000 super, $80,000 before tax wages, 10% employer super contribution and no additional contributions has a projected account balance at age 67 of $177,389.
A 55 year old with $50,000 super, $80,000 before tax wages, 10% employer super contribution and additional $20 per week Salary Sacrifice has a projected account balance at age 67 of $190,197. This equates to an estimated difference at retirement of $12,808. Results as at 17 September 2021 by using the Cbus Retirement Income Estimate Calculator.
Retirement Income Estimate Calculator
See the impact a little extra each month could have on your account balance.
For more information on eligibility, limits and rules visit www.ato.gov.au
How Salary Sacrifice works
Salary Sacrifice is the tax-smart way to boost your super. Simply instruct your employer to direct a small amount of your pre-tax income into your super account. Because your taxable income is lower, you could pay less tax, plus you have more super. It’s well worth considering if your income is over $45,000.
The greater your monthly contribution,
the lower your
taxable income.
Maximising your retirement savings.
For example, if you earn $70,000 dollars a year and put $100 extra of your monthly income into your super as a Salary Sacrifice, only $15 of that goes to tax. And you’ll have an extra super contribution of $85. If that $100 was taken as salary, $34.50 would go to tax, leaving you with $65.50 and no boost to your super.
How to set up a Salary Sacrifice
Salary Sacrifice is an agreement between you and your employer.
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Step 1 Download, print and complete our Salary Sacrifice form. |
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Step 2 Submit completed form to your employer. |
Need help?
The Cbus team can answer your questions and help you get answers.
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Call us on 1300 361 784
Monday to Friday from 8am - 8pm (AEDT/AEST) |
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Email us at cbusenq@cbussuper.com.au |
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Visit us online at cbussuper.com.au |
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Scams aren’t always easy to spot, but there are things you can do to guard against fraudsters stealing your super. Visit scamwatch.gov.au for more tips on how to protect yourself against financial scammers. |
SuperRatings does not issue, sell, guarantee or underwrite this product. Go to www.superratings.com.au for details of its ratings criteria. For further information about the methodology used by Chant West, see www.chantwest.com.au.
Cbus Trustee: United Super Pty Ltd ABN 46 006 261 623 AFSL 233792 Cbus ABN 75 493 363 262.
This email (including any attachments) contains information which is confidential and may be subject to legal privilege. If you are not the intended recipient you must not use, distribute or copy this email. If you have received this email in error, please notify the sender immediately and delete this email. Any views expressed in this email are not necessarily the views of Cbus.
This information is about Cbus. It doesn’t take into account your specific needs, so you should look at your own financial position, objectives and requirements before making any financial decisions. Read the relevant Cbus Product Disclosure Statement and related documents to decide whether Cbus is right for you. Contact 1300 361 784 or visit cbussuper.com.au for a copy.
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