The Contribution conundrum – navigating potential future indexation traps

What impact will indexation have on contributions?  Indexation should not be the measure by which we determine the appropriateness and timing of contributions but when you think it’s just around the corner it can certainly incentivise holding out that little bit longer before committing to a large contribution.  The general transfer balance cap (TBC), an indexed amount, dictates eligibility to make non-concessional contributions, an amount increased based on the indexation of the concessional contribution cap.  The TBC, along with the total superannuation balance determines capacity to use the bring-forward provisions which by virtue of its link to the non-concessional amount is indexed, but playing the waiting game can be risky.

This webinar will consider how and when various caps are indexed and will look at the strategic considerations of contributing now or in the future.

Learning Outcomes:

At the end of this webinar, participants will understand:
  • How contribution and transfer balance caps are indexed
  • Who qualifies for the bring forward rules, subject to age and total superannuation balances
  • What other contributions and contribution strategies are impacted because of indexation
  • That waiting is not always the best option

Presenter: Tim Miller & Jenna-lee Thiele

Date: 13 October 2020

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Tim Miller

Education Manager

Tim Miller is one of Australia’s leading SMSF educators and presenters with over 23 years’ experience in the Superannuation industry.  His experience has been gained through providing legislative and compliance support to thousands of Trustees, Accountants and Financial Planners since joining the SMSF sector in 1999.  In addition to servicing the needs of SMSF clients, his practical and personable approach to compliance has made him a much sought after presenter.

Tim regularly presents at the major SMSF conferences and events, contributes to various trade and general publications and is the author of one of the subjects of the SMSF Association Graduate Certificate delivered through the University of Adelaide and Kaplan, which has also been adopted as part of the CA ANZ SMSF specialist program.

Tim is an SMSF Association Specialist Adviser.