Tag Archive: superannuation

Record Keeping for Your Business – What You Need & How To Make It Work

Posted on October 12, 2019
by Anthony Vardareff

4 min read

Are you either in the process of setting up your business and not sure where to start with records and financial reports, or are already running your business and realised that your current record keeping process isn’t working for you? If you are in either of the above situations this is the article for you.

Record keeping is probably one of the less-exciting, but very necessary parts of business. The enjoyable aspects of setting up your business name, structure, space and team are great to tackle but without an efficient and effective process in place to manage and review your cashflow, profits and losses, salaries, tax obligations and more, you could fall behind very quickly and things could get costly.

We’ll take you through the why, what and how of record keeping which is basically – why it’s important, what it involves and how to make it work efficiently and effectively.

Record Keeping Benefits

You probably already realise the benefits of record keeping to be reading this article about it now. In case there are reasons you haven’t yet thought of we’ve listed them below:

  • Helps efficiency within your business
  • Assists in forming the basis for managing your cashflow
  • Provides timely access to information and records
  • Allows you to track business health to make important business decisions
  • Tracks key performance measures
  • Ensures information is readily available for monthly and annual reporting

Top Three Record Keeping Uses

Annual reporting obligations

  • Income Tax Compliance – As a business you need to prepare and lodge annual tax returns to the Australian Taxation Office (ATO). These will contain your income and expenses for each financial year (which is something your accountant/business advisor can assist with).
  • Payroll Reporting Requirements – This involves being compliant with the new Single Touch Payroll (STP) requirements. The ATO has introduced an STP reporting requirement for employers where they need to submit payroll information to the ATO on a real time basis (i.e. at the point of finalising each ‘pay-run’).

Monthly and quarterly obligations

  • Business Activity Statement (BAS) / Instalment Activity Statement (IAS) – This is the declaration of GST, PAYG Withholding, PAYG Income Tax Instalments etc. on a monthly or quarterly basis as required by the ATO.
  • Superannuation – Businesses are required to report and pay employee superannuation amounts within 28 days of the end of the quarter. There are strict guidelines enforced by the ATO so that employees are looked after and paid their superannuation on time and in full.

Internal reporting considerations

  • Cash Flow – Up-to-date records provide business owners with a full overview of their current cash position, as well as expenses due to be paid and income expected to be received. This can assist in planning to ensure enough cash is always available to run your business.
  • Profit & Loss – The ability to generate a correct, up-to-date Profit & Loss report will allow business owners to identify how much income they’ve earned over a certain period, in addition to providing details of the expenses they’ve incurred in order to earn this income. A Profit & Loss report will help in determining when a business owner can reduce costs and improve their overall business performance.
  • Budgeting & Forecasting – Good record keeping through the use of an accounting system can aid in projecting/estimating upcoming income and expenses, expected cash flows and the overall performance of your business.
  • Customised Reporting – Ad-hoc reports (eg. sales by customer, aged receivables, aged payables) can provide timely access to important business information. These reports can form the basis of the ongoing decision-making process for business owners. For instance, a ‘sales by customer’ report will assist in working out who the largest customers of a business are – ultimately allowing business owners to better tailor their products or services to them.

Record Keeping Requirements

As you know there are records that you are required to keep, and report on, as the responsible business owner. The ATO is a significant government body that uses these records to ensure that businesses are doing the right thing and meeting their reporting obligations. Fortunately with the introduction of online services, reporting to the ATO is much more efficient and easy. As a business owner you are required to:

  • Keep records for a minimum of 5 years
  • Make the records easily accessible and in English
  • Lodge monthly and annual reports as required by the ATO

If you are a small business owner you can find more information on record keeping here.

Accounting Software Suitable for Your Business

To make your record keeping and reporting as efficient and easy as possible, it’s important to have the right systems in place. Setting up cloud accounting software is a popular step in the right direction as it can be accessed anywhere, allows you to set up automatic bank feeds for better efficiency and accuracy and makes it easier to meet certain reporting obligations.

We’ve listed the most common and trusted accounting software platforms below, along with a brief description of what makes them different and a link to their website so you can work out which type might suit your business best:

  • Xero – A more robust and adaptable system but generally costs more than other packages (small-to medium businesses)
  • Quickbooks – Is a more basic but cost-effective option (small businesses)
  • MYOB – Offers a little more functionality than Quickbooks but is also slightly more expensive (established businesses)
  • Reckon – Similar to MYOB (established businesses)

For some industries it’s beneficial to have software specific to your industry and requirements. In this case we recommend you speak to your accountant or business adviser to discuss the options available.

Ongoing Records Management

If you are new to business and don’t have a team of employees on board to help, it may be beneficial to hire a bookkeeper for your record management and to ensure reporting dates are met. Record keeping still takes time and as a business owner you have a host of other tasks that require your attention.

In a general sense, bookkeepers may charge around $40 – $50 an hour. With ongoing technological efficiencies being built into the various cloud accounting software packages, a lot of processing can now be automated. The time it now takes to ‘reconcile’ an accounting file has reduced significantly over the past few years. An hour or two each fortnight may be all it takes to keep your accounting records up-to-date.

Common Mistakes To Avoid

When looking at record keeping, there are usually two common mistakes made by business owners:

  • Misreporting – Providing inaccurate information to business stakeholders, such as employees, the ATO and customers/suppliers. Having a strong record keeping function (i.e. using the services of a bookkeeper or taking the time to learn how to use your accounting software) will help minimise the risk of misreporting.
  • Late lodgement – The late preparation & lodgement of information for annual, quarterly and monthly obligations is another ever occurring issue in business. Much like misreporting, having a strong record keeping function will assist in keeping up with deadlines and other requirements.

In some instances, there are repercussions for misreporting information or lodging information late. These can come in the form of general interest charges, administration fees, penalties and sometime more severe consequences. It is therefore crucial to ensure your business is engaging in good record keeping practices.

Putting It All Together

Getting control of your records is a great way of getting in tune with your business situation. It allows you to set goals and identify other areas that you would like to focus on.

But there is also no one size fits all approach to any business and that also applies to record keeping. You need to use your knowledge to work out what processes and solutions work best for you and this article is a great place to start.

If you find that you do want to engage a business adviser to go through your options or gain some guidance, make sure they align with your values, they listen to what YOU want to achieve and they offer sound solutions that make sense and that make you feel confident in their ability. We ensure you will find it useful to get in touch with our team for a chat so you can find out if our approach suits your business.

Wishing you and your business every success!

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Key Due Dates for the 2019/20 Financial Year

Posted on September 1, 2019
by Tim O’Brien

You are completely in control and on top of what seems to be the ever-growing list of responsibilities and actions you need to make happen. Right? If you answered a resounding ‘No!’ to this then you aren’t alone. One of the bothersome but necessary tasks to keep track of within your business are the many, many dates that payments and reports are required.

This is why we originally created, and have kept creating, this list of due dates for lodgments, payments and reports to the Australian Tax Office (ATO) each financial year.

This list of dates relate primarily to your tax and superannuation, but also mention a few other requirements.

Feel free to also download a copy as a reminder.

Following all the legislation changes that have occurred over the last year you may also benefit from reading about the July 2019 changes that Michael Lamont has covered.

Our team is here to provide advice or guidance in preparing your lodgments, as well as answer any questions about the dates listed. For this or other business queries, please get in touch with our team at BLG Business Advisers online or by calling (02) 4229 2211.

Resource - Key Due Dates for 2019/20 Financial Year

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So the Coalition won – What does this mean?

Posted on May 27, 2019
by Luke Bland

The Liberal-National Coalition has emerged with a surprise victory following the election, with the promise of lower taxes evidently enough to sway voters. With the vast majority of media coverage leading up to the election focusing on Labor’s proposed tax policies (restricting negative gearing, denying franking credit refunds, taxing trusts at a minimum of 30% and reducing the 50% discount on capital gains to 25%), what does it mean now that we know the Coalition has retained power?

Firstly, they were strongly opposed to Labor’s four core policies mentioned above, so taxpayers don’t need to worry about the issues that were being raised by these policies. Outside of opposing these policies, there wasn’t much that the LNP brought to the election other than what was previously announced, either in their budget on 2 April or prior.


Instant Asset Write-off

The instant asset write-off has been increased and extended. From 2 April 2019, businesses with annual turnover of less than $50 million will be able to claim an outright tax deduction for asset purchases under $30,000 (rather than having to capitalise and depreciate these asset purchases).

Small Business Company Tax Rate

The government will decrease the company tax rate (and the franking rate) for companies with annual turnover of less than $50 million to 26% for the 2020-21 tax year and to 25% from 1 July 2021.

Deferral of Proposed Division 7A Changes

The proposed changes will not be implemented until 1 July 2020 (as opposed to the previously announced 1 July 2019) as there have been many issues raised that need to be addressed before the legislation can be drafted.

ABN Holders

ABN holders will be required to meet their income tax return lodgement obligations from 1 July 2021 and confirm the accuracy of their details on the ABN register annually from 1 July 2022, in order to remain an eligible ABN holder.

ATO Tax Avoidance Taskforce

The LNP have announced an extra $1 billion over 4 years for the ATO to undertake additional compliance activities targeting high wealth individuals, trusts and family groups, as well as large public companies and multinationals.


Tax Offsets

An additional low and middle income tax offset of up to $1,080 will be available for individuals earning up to $90,000, being phased down to nil once your income exceeds $126,000.  This offset will automatically be applied upon lodgement of your 2019 income tax return.

Marginal Tax Rates

Individuals earning over $37,000 will see a decrease in their marginal tax rate from 1 July 2022, when the upper limit of the 32.5% tax bracket jumps from $37,000 to $41,000. The 37% bracket limit will increase from $90,000 to $120,000.

From 1 July 2024, the 32.5% rate will fall to 30% and this rate will apply from $41,000 to $200,000. Labor opposes these “high end” tax cuts so the government may find it challenging to have these measures enacted.


Individuals aged 65 or 66 will be able to make voluntary superannuation contributions without having to meet the work test. Further, they will be able to access the “bring-forward” rule, allowing them to contribute up to $300,000 of non-concessional contributions (depending on other factors).

If you are looking for some assistance to navigate the legislations our team are available to guide you. Take this opportunity to get in touch with BLG Business Advisers online or by calling 02 4229 2211.

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Planning for New Business Owners

Posted on May 6, 2019
by Tim O’Brien

Ok so you have your brilliant new business idea that is going to bring you unprecedented wealth. Or perhaps you’ve acquired or overtaken an existing business and plan to hit the ground running.

When starting out it is important to arm yourself with as much knowledge as you can. This includes the general details about your own business, the industry you are operating in, your customers and competitors. However, also of great importance is a basic understanding of what could potentially lie ahead from a taxation and financial point of view.

New Business Considerations

Here are but just a few things to consider for start-up or relatively new businesses:

  • Have you sought advice on how to structure your business? This is critically important in maintaining the protection of your other assets, paying an efficient and appropriate rate of tax, and also in allowing for future financing and investing opportunities
  • Will you have any significant initial financial outlays, for example stock, equipment, rebranding etc? Will you need to borrow funds to make this happen? Do you have the borrowing capacity given the increasingly tighter lending conditions?
  • What insurances will you require and when will these need to be in place?
  • Are you going to need to employ other people? If so on what basis – casual, part-time, full time?
  • For existing businesses, are you aware of what you owe in employee entitlements like annual leave and superannuation?
  • Are you eligible for any government subsidies for taking on new employees?
  • Are you aware of the various income tax incentives applicable to you/your business?
  • Do you have an efficient record-keeping system in place so you have access to timely information as to the profitability of your business?
  • Will a changing political landscape impact on your business or taxation affairs (Labor’s proposed changes to the taxation of family trusts and negative gearing for example are going to have far-reaching consequences)

Cash Flow & Tax Planning

Whatever your situation, a business with a swelling bottom line is fantastic, but can bring with it some nasty and unexpected tax and cash flow surprises if you aren’t prepared and aware of what lies ahead.

Start-up businesses need to be mindful of potential tax bills after the end of the first financial year of operation, and budget their cash flow accordingly.

Cash flow can become more problematic for new businesses as the ATO can require up-front payments for estimated current year tax liabilities (through the PAYG Income Tax Instalment system). At the same time the business is required to pay potentially large tax bills from the previous financial year!

The above issues can also apply to your existing business if you have been going through a growth phase of late.

So although the thought of paying tax may not enthuse you too much it is far better knowing where you stand, and what is coming up. This means your business can continue to expand and be in a position to seize upon any opportunities that present themselves without being constrained by unexpected tax liabilities.

Take control of your business and your taxes. It is best to seek professional advice to understand the tax implications and benefits for your personal situation. Book your appointment with our team now by getting in touch with BLG Business Advisers online or by calling (02) 4229 2211.

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The Federal Budget – Tax Impact

Posted on April 5, 2019
by Kirstie Smith

The main superannuation and tax measures proposed within the 2019 budget are listed below. It must be noted however that the following announcements will need to be legislated in order to be implemented.


Individual Changes

  • Changes to personal income tax rates

From 1 July 2022, the government is proposing to increase the personal income tax rates as follows:

From the NTAA’s 2019/20 Federal Budget Summary

  • Relief for low and middle income earners

The government has announced the Low and middle income tax offset (LMITO) will increase and provide tax relief via a non refundable tax offset of up to $1,080 per annum. The tax offset is proposed to cease following the 2022 financial year.

  • Increasing the Medicare Levy Low-income thresholds

The Medicare Levy low-income threshold will increase for singles, families and seniors for the 2019 financial year. This increase is standard each year based on CPI. For a single earning under $22,398, no Medicare levy will be charged.

Business Changes

  • Increasing the access to the instant asset write-off

The government has proposed that the current instant asset threshold will increase to $30,000. The threshold applies on a per asset basis and allows for small and medium sized businesses (turnover under $50 million) to immediately deduct purchases of eligible assets costing less than $30,000.

The government had previously announced targeted amendments to Division 7A (detailed in Luke Bland’s blog) to ensure the integrity of the legislation. This change has now been deferred to 1 July 2020.

  • Single Touch Payroll expansion

The government has announced further data will be collected via Single Touch Payroll and will be shared with Commonwealth agencies. From 1 July 2020, the government will automate reporting of employment income to Human Services using Single Touch Payroll. More information on Single Touch Payroll will be highlighted in one of our blogs in May 2019.

  • New Australian Business Number (ABN) requirements

It is proposed that all ABN holders will be required to meet their income tax return lodgement obligations from 1 July 2021 and confirm the accuracy of their details on the ABN register annual from 1 July 2022 in order to remain an eligible ABN holder.


  • Removing the work test for those aged 65 and 66 years

Currently individuals over the age of 65 years are unable to make voluntary contributions to superannuation unless they meet the work test. The work test requires individual to work 40 hours in 30 consecutive days in order to pass. From 1 July 2020, It is proposed this will now apply from the age of 67 and individuals aged 65 and 66 will not need to pass the requirement.

  • Access to the ‘Bring-forward rule’ for those aged 65 and 66 years

The cut off of the ability to make three years of non-concessional contributions under the bring-forward rule has been raised from 65 years to 67 years.

  • Increasing the age limit for spouse contributions.
  • Insurance on an opt-in basis for individuals under 25 year or with member balances under $6,000 will be delayed to 1 October 2019.


  • Refunds of luxury car tax paid for primary producers and tourism operators up to $10,000.
  • Income tax exemptions for qualifying North Queensland flood grants.
  • Payments distributed to the Fassifern Valley following storm damage will be exempt income for tax purposes.
  • Concessional treatment for the forced sale of livestock under the Farm household allowance program.

Overall, the 2019 budget was not too surprising. With the up-coming federal election, it was very much a conservative budget of a government who already has a slim chance of winning. With the election likely coming in the next six weeks, who knows which of the above changes will pass but at least the above should set a precedent. Surely no entering government is going to want to be shown as giving us less than the previous government promised. I guess this scene is to be continued…

To ensure you have your tax and superannuation set up to account for the changes in the Federal Budget, or in preparation for the upcoming election, get in touch with our team from BLG Business Advisers online or by calling (02) 4229 2211.

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Planning in Uncertain Times

Posted on April 1, 2019
by Peter Ryan

A federal budget generally gives rise to uncertainty for business, operators and investors. Throw in an upcoming federal election and the high possibility of a change of government then concern starts to give way to anxiety. With a number of key policy changes being proposed by the Labor Party, it is little wonder that business owners, investors and their advisers are madly trying to understand the potential impacts. The lack of detail typical with most election policy announcements does not make the process any easier.

Despite the Labor party holding a seemingly unbeatable position prior to Christmas, the outcome of the upcoming election appears less certain by the day, adding to the unease for those trying to make predictions. Planning for the future in an air of uncertainty is difficult. The best approach to take is to be well informed about the proposed changes and the potential impacts.  This will assist business owners and investors to react with confidence once our political direction starts to become clearer.

Members of our team have covered key areas of the 2019 Federal Budget, so I have briefly outlined some of the key Labor proposals announced so far and their potential impacts:

Minimum 30% tax on Discretionary Trust distributions

  • Labor plans to impose a minimum tax rate of 30% on distributions received from discretionary trusts.
  • For many small family businesses that legitimately operate their business through a trust for asset protection this policy will likely give rise to a higher tax burden.

Sarah Cross goes into detail with Discretionary Trusts here.

Negative Gearing

  • Labor proposes to stop investors offsetting investment losses against other types of income, such as employment income. It appears that losses from one investment can still offset gains on other investments.  Alternatively losses can be carried forward to offset future capital gains.
  • This policy is intentionally aimed at reducing the appetite of investors. The lower after tax return will no doubt impact pricing and yield expectations for investments.
  • This policy was first raised during a time when property prices were on a continuous upward trend. If and how the policy may change in current conditions is yet to be seen.

Reduction of Capital Gains Tax discount

  • Labor proposes to reduce the capital gains tax general discount from 50% to 25%.
  • Like negative gearing, this policy was aimed at investors in an overheated property market.
  • This policy will have an even greater impact on investors behavior and expectations than the changes in relation to negative gearing.

Superannuation Changes

  • A number of proposed policies are aimed at reducing the amount that members can contribute and retain in superannuation, including:
    • Further reducing the annual non-concessional cap from $100,000 to $75,000
    • Abolishing the ability for members to average concessional contributions over 5 years, known as catch-up contributions
    • Removing the ability for employed people to make personal deductible contributions
    • Lowering the income threshold for higher contributions tax from $250,000 to $200,000
    • Abolishing borrowing by Self-Managed Superannuation Funds (SMSFs)
  • The approach of limiting superannuation contributions driven by these policies does not align with Labors intention of accelerating the increase to 12% superannuation guarantee

Refund of Franking Credits

  • Labor proposes to remove the refund of franking credits. Franking credits will still reduce any tax liability, but not generate a cash refund.
  • This is likely to have an impact on the mix of investments held by individual retirees and SMSFs, with investors moving away from investments offering a high component of franked returns.
  • This policy seems aimed at driving people away from SMSFs, back to industry funds.

Changes to Division 7A

  • These changes have been addressed in detail by my colleague Luke Bland in his recent blog

As the federal election approaches, BLG will be providing updates on proposed policy changes and advisory pieces from our team. Make sure you have a plan in place for these proposed updates as they could have a significant impact on your business and you personally. Our team at BLG Business Advisers will readily assist you – simply get in touch online or calling (02) 4229 2211.

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Superannuation Tax Planning Strategies

Posted on March 25, 2019
by Sonia Spaseski

Planning for your retirement is important to consider, even if your retirement age seems distant. As we are approaching the end of a financial year, maximising your superannuation balance from a tax perspective as well as a retirement perspective can be beneficial depending on your personal circumstances. This blog outlines some of the strategies you can take into consideration when planning to maximise your superannuation balance.

Legislation Changes

In recent years there have been several legislative changes within the superannuation space. Some of these include:

  • Concessional contribution caps have been reduced to $25,000 per year.
  • Non-concessional contribution caps have been reduced to $100,000 per year.
  • Non-concessional contributions caps are nil if your total superannuation balance is $1.6 million or above – this is the total of your member balance in all superannuation funds e.g. industry funds, retail funds and self managed superannuation funds (SMSF).
  • Removal of the 10% test, which allows you to make personal deductible superannuation contributions, regardless of your income source.
  • The ability to carry forward your unused concessional contribution cap from 1 July 2019 for up to five years ie. if your total superannuation balance (TSB) is less than $500,000.
  • Limit on the amount of money that can be transferred into retirement phase – $1.6 million.

What to Consider

These changes along with many others have made it increasingly difficult to contribute into your superannuation fund in recent years. In particular, your TSB determines the amount you can contribute into your superannuation fund from a non-concessional point of view.

Keep in mind that the changes discussed above, like with all things superannuation, can have restrictions that need to be considered as part of your tax planning strategies. For example, if you are looking to contribute to your superannuation balance and plan to use the bring-forward rule for non-concessional contributions, there are age and balance restrictions that need to be considered before making a contribution.

As superannuation legislation is constantly changing, especially with the upcoming federal election and budget, it is a great idea to keep your eye on potential changes that may affect your ability to contribute towards, and have access to, your superannuation balance.

For example, one of the proposed legislation changes is to bring back the 10% test, to remove the ability for individuals to claim deductible superannuation contributions against their assessable income regardless of their income source. If this proposal is enacted you will need to consider your current salary sacrifice arrangements to ensure you are maximising your before-tax contributions.

If you are considering superannuation contributions as a part of your tax planning strategies or to maximise your retirement savings, it is best to seek professional advice to understand the tax implications and benefits for your personal situation. Easily get in touch with our team at BLG Business Advisers online or by calling (02) 4229 2211.

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Anthony Vardareff

Posted on February 14, 2019 by Grace Dawson

Chartered Accountant

  • Bachelor of Commerce (Accountancy)
  • Member of Chartered Accountants Australia + New Zealand

With a family of many accountants and an inherent interest in business and numbers, Anthony was drawn to an accounting career from an early age. Since acquiring his position with BLG six years ago while starting his University degree, Anthony has gone from strength to strength and has never looked back.

Anthony enjoys the variety of work he does for clients, and focuses on understanding their individual and business needs, which allows us to tailor our advice to provide beneficial outcomes. The area he enjoys the most is tax planning, as it provides better real-time information that can be used for solid decision-making, and it is generally where clients can see the benefit of the advice we provide. Anthony’s dedication to his clients and ability to problem-solve anything from tax riddles to IT issues make him an invaluable BLG team contributor.

When not working hard at BLG, Anthony enjoys staying active playing soccer, running and in the colder months skiing.

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Kirstie Smith

Posted on February 6, 2019 by Kristy Hickey

Chartered Accountant

  • Bachelor of Commerce (Accountancy) (Business Law)
  • Member of Chartered Accountants Australia + New Zealand

With a close-knit family, a love of her two pugs and a genuine care for our clients, Kirstie is a brilliant person the BLG team loves working alongside. Eight years into working at BLG and now a qualified Chartered Accountant, Kirstie values the long-lasting client relationships she has forged. It is the high level of support that clients receive, and the strong relationships the team builds with them, that Kirstie enjoys most about working at BLG.

With many of Kirstie’s clients based in the healthcare industry, she has appreciated gaining specific industry knowledge which she can use to assist her understanding of other clients in the industry. She particularly enjoys assisting clients with services that provide them with the most value, such as business acquisitions and sales, and stays abreast of the many legislation changes to Self-Managed Super Funds.

Outside of BLG Kirstie enjoys dragging herself to the gym, playing with her two pugs, Lola and Archie, and spending time with friends and family over a cheese platter.

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Saving for the Future: Superannuation for Dentists

Posted on November 1, 2018
Superannuation is an important factor to consider when planning for your future. For any practitioners within the dental industry, a concessional contribution made to your fund each year can work towards having sufficient savings later in life.

Concessional contributions can be made either by you, your business or your employer. As an employee, you are eligible to salary sacrifice additional contributions in excess of your superannuation guarantee contributions.

Here we take you through the concessional contributions limits and how they can benefit you.


The limit for concessional contributions is currently $25,000 per year. This cap includes superannuation guarantee and any additional contributions you make. The limit for non-concessional contributions is currently $100,000 per year, however can be zero depending on your current super balance. It is best to seek advice regarding the limit specific to you and your circumstances.


Getting money into super is becoming increasingly harder. Considering a contribution to your fund each year is beneficial to ensure you are maximising your super balance while you still can.

From a tax perspective, a concessional contribution can be claimed as a tax deduction, whether it is paid by you or your business. If paid under a salary sacrifice arrangement, as a dentist, your tax rate is generally higher than the rate of tax paid on your contribution in your fund, so the extra contribution can be beneficial to you.

It is important to be aware that from 1 July 2018 you may be liable for Division 293 tax should the total of your income and concessional contributions exceed a threshold of $250,000. Should this threshold be exceeded, an additional 15% tax will be imposed on the amount over the threshold, up to the total concessional contributions made within the concessional contributions cap.

Receive specific advice on how superannuation contributions can be used to benefit you and your future. Take this opportunity to get in touch with our experienced team at BLG Business Advisers online or by calling (02) 4229 2211.

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