DMGC Financial Planning Pty Ltd trading as Epona Financial Guidance is a Corporate Authorised Representative No. 1273810 of Integrity Financial Planners Pty Ltd Australian Financial Services Licence No. 225051 ABN 71 069 537 855 Suite 2, 1 Railway Crescent, Croydon Vic 3136.
At Epona Financial Guidance, we develop tailored step-by-step financial strategies and help you make informed decisions about your money.
Superannuation, often called super, is a way to save for your retirement. You build up super while you are working to make sure you can have a comfortable retirement.
Super is a tax effective environment for your money; the account is held in your name, and both you and your employer can deposit money into your account. Your money will attract investment earnings, and when you reach your ‘preservation age’, you are able to start drawing on these funds.
Your employer must pay a proportion of your salary into a super fund. This is called the Superannuation Guarantee and has been increased to 10% per annum since July 1st 2021. It will increase by 0.5% each year until it reaches 12% in 2025.
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