Superfund Salary Sacrifice

moneyGPS has identified that you have an Opportunity to enhance your superfund balance by completing a Superannuation Salary Sacrifice Advice Plan.

Suitable for anyone who wants to save tax and can afford to build on their savings assets in Super.

Why is Superfund Salary Sacrifice important?

You have the Opportunity to increase your superfund balance by making pre-tax contributions to your fund.

Salary sacrifice is when you put an extra amount into your super fund, to help accelerate your retirement savings - before you pay any tax.

It’s a great way to boost your super, as well as saving some tax along the way.

We’ve had a look at your situation and think this may be an opportunity for you given you have a healthy cash flow.

Our advice will provide you with a fully compliant assessment of the level of contributions to be made under this arrangement which will: reduce before-tax income - a potential benefit which could reduce the amount paid in income tax for the financial year.

There could also be further tax benefits as investment earnings made inside the super environment are taxed at a maximum of 15% (but is likely to be lower with imputation credits) which may be lower than your income tax. This could make a difference when super savings are eventually withdrawn for retirement.

Start Your Advice Plan Now

How You Will Benefit from Expert Advice
at a fraction of the Normal Cost

The moneyGPS Super Salary Sacrifice advice plan will help you to improve the position of your super.

moneyGPS has created Australia’s first digital advice tool that will help you determine how much would be an appropriate amount to start contributing to your super. It will also show you projections about the impact this will have on your super and show you why it is in your best interests.

You will receive professional advice for less than $300 compared to paying $’000’s if you went to a traditional financial planner and you may be able to pay for it from your super account

The plan provides you with a compliant Statement of Advice (SoA or ‘Money Map’) in relation to making a ‘Salary Sacrifice’ contribution into your super fund.

This is on top of what your employer pays you under the super guarantee. It involves a reduction in your take-home pay, but it also means you could increase your retirement savings while also potentially reducing what you pay in tax.

Case Study

Let’s look at one example of how this simple but effective strategy can make a difference to your end super balance and help your retirement nest-egg.

Sam is 28 years old and has been loving his job for the last couple of years as a Marketing Coordinator and earns $55,000 per annum. During his annual review, he received a pay rise of $10,000 a year. He is trying to decide whether he should take the $10,000 as extra income or use it to boost his super through salary sacrificing.

Based on 2021-22 tax rates

This example is exclusive of any HELP debts

By salary sacrificing to super

Sam would pay the concessional tax rate of 15% on any salary sacrificed super contribution up to the threshold (currently $27,500 a year, including super guarantee contributions). This effectively means his super account balance would increase by 85% of the pre-tax contribution.

Source Money101-MoneyGPS Client Modules

Tough Talk

Time is money! Don’t fall into the trap of not making your money work hard for you whenever you get the opportunity.

The sooner you start making your money grow more efficiently to start with, the sooner you will improve your retirement savings.

A salary sacrifice contribution – one you can afford based on your responses and current financial position – will help you achieve your retirement goals much faster.

Accessing financial advice from moneyGPS means  clients receive
So Act Now!

  • Cheap – So everyone can afford advice
  • Convenient – Accessing and understanding advice in your own time
  • Flexible – You can go online and talk to someone
  • Targeted – You chose the topics that are important to you
  • Safe – Fully compliant providing you with a sense of confidence

Start Your Advice Plan Now

Speak to a moneyGPS Coach
once you’ve completed an Advice Plan

Remember … a moneyGPS Coach is ready to assist you via a Zoom meeting by answering any questions you may have, and importantly will help you implement your advice plan.



Finally, you have a solution, a roadmap, to help you achieve your financial dreams.

Its liberating to know you have the resources and assistance to get started on your financial journey.

It helps free your mind to work on your ‘financial to do list’ and keep taking those ‘exciting’ steps.

Importantly moneyGPS will be with you every step of the way.

Start the process now.

It doesn’t take long, and you can tick it off your financial ‘to-do’ list. Then you will be able to stop the “what if’ thinking.

5 Top reasons this will help you on your financial journey!

  • Receive expert advice at a fraction of the normal cost.
  • Grow your super faster to help achieve your retirement goals
  • Reduce your tax and put the money saved towards increasing your retirement savings
  • Find out the impact it will have over time as well as why it is in your best interests to salary sacrifice
  • Peace of Mind knowing you have improved your financial position

Start the process now!

Click the START TODAY button and start the advice process. Hit the Advice Button.

Follow these steps to access and use the Superfund Salary Sacrifice
Advice Plan:


Click below and
access your eligible
Advice plans


Select the
'Advice' Tab


Select the
Superfund Salary Sacrifice
Advice Plan


Time to Complete: 5 minutes