Contributions Optimiser

Overview

The Contributions Optimiser allows a client to specify how much income they wish to forego, and the optimiser will automatically determine the amount of concessional and non-concessional contributions to make to achieve the highest benefit.

Features

The optimiser takes into account the following:

  • Co-Contribution eligibility, and allows for a non-deductible contribution to claim the Co-Contribution
  • Current and future contribution limits
  • Amount to forego can be specified as an annual, monthly, fortnightly or weekly amount, allowing the client to express this figure “per pay” if they wish.
  • Amount to forego can be specified in either Before or After tax terms
  • Tax-Free income levels including Offsets (there is no point Salary Sacrificing income that can be had tax-free)
  • Allows for existing contributions
  • Part-Year scenarios as few strategies actually start on the 1st July each year
  • Allows you to change many of the parameters such as Income or Required Income for each year of the strategy
Contributions flowchart