This document is an e-book aimed at Australians looking to better understand and optimize their superannuation for a secure financial future, emphasizing the importance of active participation in retirement planning. It presents tried and tested strategies for maximizing super contributions, effectively using tax benefits, and avoiding potential pitfalls such as lost super and hidden taxes on inheritance. Additionally, it underscores the role of professional financial advice in navigating the complex superannuation landscape and highlights the various contributions and investment options available.

1. SUPER CHANGES CUT THROUGH
SUPER STRATEGIES TO GET YOU AHEAD OF THE GAME

2. Hi, I wrote this specifically for all Australians who are
looking for a better future and want to get ahead of the
game. You may be disenchanted with the whole super
discussion. To be honest, I don’t blame you. The
government is continuously tinkering with the system and
it is just plain hard to keep up.
For most, this is going to be the second biggest asset you
own,….After all, so why not take an interest. After all this
is what is going to provide for you when you stop working.
Now is the time to take an interest in your super and your
future to ensure you live a long and happy life before it’s
too late. That’s what we all want, right?
The super strategies provided in this e-book are tried and
tested strategies that I have been using for my clients for
over 18 years to help them reach their financial goals and
get them ahead of the game.
Not all strategies will be relevant for you, however, I am
sure they will show you the value of having a trusted
adviser by your side to navigate the complex financial
landscape and to give you the power to dictate your own
future.
Written by Glenn Doherty CFP
Financial Organiser - Exelsuper
KEY FACTS
 Retirement savings gap of $1 trillion
 $2.1 trillion currently held in super
 Average super balances:-
- Male at age 65 - $292,510
- Female at age 65 - $138,154
 $130 billion contributed to super pa.
 80% of Australians do not seek advice
=
Australians need advice!

3. IMPORTANT INFORMATION – GENERAL ADVICE WARNING
This information is of a general advice nature only, and has been prepared without taking into account your particular financial needs, circumstances or objectives. All information is based on
Exelsuper Advice Pty Ltd’s understanding of current law as at 15th May 2017. While every effort has been made to ensure the accuracy of the information, it is not guaranteed. You should
obtain professional advice before acting on the information contained in this publication. Taxation considerations are general and based on present taxation laws, rulings and their
interpretation as at 15th May 2017. You should seek independent professional tax advice before making any decision based on this information. Exelsuper Advice Pty Ltd ACN 080 419 745 holds
an Australian Financial Services License 428272.
11 SUPER STRATEGIES
Page 5 SUPER ISN’T AN INVESTMENT & OTHER DUMB STUFF PEOPLE BELIEVE
Page 6 MONEY FOR NOTHING
Page 7 THE BRING FORWARD
Page 8 MONEY MATCHING
Page 9 PLAYING THE TEAM GAME
Page 10 AVOID THE GRIM REAPER
Page 11 LOST SUPER
Page 12 RETIREMENT RUNWAY
Page 13 INCOME FOR LIFE
Page 14 THE AGE GAP
Page 15 YOUR OWN PTY LTD
Page 16 THE ANGEL INVESTOR YOU KNEW NEVER EXISTED

4. Hi,
I know what you’re thinking. This is
most probably not the most
interesting thing you want to read,
right?
You’d probably rather buy a novel or
watch a game of thrones. I’m with
you.
But here’s the thing, even if I told
you that knowing this stuff or at
least being aware of this stuff could
save you hundreds of thousands of
dollars, you’d most probably
wouldn’t be that interested then,
right?
Because, after all, our future self is
less important that the current
version of our self.
But here’s the thing, if you don’t do
anything, I can guarantee you will
regret it.
So, would you rather REGRET 5yrs
from now or spend 10mins just
going through this and asking
yourself if this is a really important
question.
Is there anything here I should
know that will get me ahead of the
game?
Of course, if you want to short
circuit it all, go to the back and
there’s everything about me & you
can come direct to me to ask a
question.
But I want to leave you with this
quote from Abraham Lincoln.
“the best WAY TO PREDICT THE
FUTURE IS TO CREATE IT”
Make it a great Life!
Glenn

5. 5
Super isn’t an investment and other dumb stuff people believe?
You Fill your tank with:-
• Employer contributions
• Salary Sacrifice contributions
• Lump Sum Contributions
• Self Employed Contributions
• Spouse contributions
• Investment returns
Your tank empties by:-
• Pension Payments
• Withdrawals
• Fees
• Negative Investment returns
15%
0%
Here’s the low down.
Super is purely a tax structure with really low
tax rates - the best tax structure going around.
The maximum tax rate is 15% on income and
10% on capital gains.
Oh, and when you’re retired and taking a
regular income out of it, there is no tax on the
income or capital gains. Yippee! No more tax.
If you think of super in terms of a rainwater
tank - the more that goes in, the more quickly
it fills up. The aim is to have a full tank based
on your individual needs when you finish work
or reduce your working hours.
Your tank gets empty by taking pension
payments, withdrawals, negative investment
returns and fees.
Inside your super you can choose to invest
into Australian Shares, International Shares,
Property, Fixed Interest & Cash. You can
either invest directly or through managed
funds. You have control over where your
money is invested.
Your super could be an industry fund, retail
fund, government fund or a Self Managed
Fund. They all have their pros and cons and
different structures suit different
circumstances.
Super is a long-term investment for most.
Therefore, take advantage of it to save for your
desired lifestyle post work.
Understand that it will be a bumpy ride,
however, with an experienced adviser by your
side, you will be able to take advantage of all
the benefits the super system has to offer.

6. 6
Want a guaranteed return on your money?
I know we all like a punt every now and again, even the odd
lottery ticket, in the hope we will win big.
But what if I told you, you could get a guaranteed return on
your money of 5%, 26%, 35% or even 55% depending on your
income, would you be up for that?
All you have to do is add money to your super on a pre-tax basis.
Contribution
Type
Up until 30 June
2017
Post 1 July 2017
Concessional
Contribution limits
(over age 50)
includes employer
9.5% contribution,
salary sacrifice or
personal
deductible
amounts for self
employed.
$35,000pa $25,000pa
Concessional
Contribution limits
(under 50)
$30,000 $25,000
*There are penalties should you exceed these limits.
The Juice!Money for Nothing!
Example: Jack works as a manager earning $120,000 pa. He now
wants to salary sacrifice $1,000 into his super fund. After tax
($370) he has $630 in his hands to either spend or invest.
By adding to his super pre-tax he now has $850, an extra $220 to
invest.
That’s a whopping 35% return on his money, GUARANTEED. Oh
yeah, did I mention less going to the tax office. Winner!
This adds up to only $12.12pw for every $1,000 he adds to his
super.
That’s one bought lunch a week! Most probably, one more we
don’t need.
If used correctly, this allows you to increase your
retirement substantially over time. Although there are
constant changes within super, this is still one of the best
ways to legally reduce your tax while significantly
increasing your retirement savings.
Now, you have a choice, keep leaking money and donate
more money to the tax office or take action, take control
and wrestle the odds back in your favour.
Post 1 July 2017 you have the option that if you have not
reached your limit, you are able to contribute to super and
claim a tax deduction in your tax return. You still need to
keep below the limits.

7. 7
Opportunity!
If you were thinking of adding lump sums to super, now
is the time to do it.
The rules are changing. If you have excess cash that is
not required, now is the time to take action and add it
to super.
You either use it or lose it.
Oh yeah, did I tell you that you pay less tax on earnings
within your super fund. Yes, that’s right, less tax being
paid to the tax office.
Yay, we would all like some of that now, wouldn’t we.
If you happen to have larger balances, then once you
hit $1.6m you will not able to add lump sums to your
super.
Year of Contribution
2014/15 2015/16 2016/17
1 $200,000 Nil $340,000
2 Nil $200,000 $340,000
3 Nil Nil $540,000
Where a $540,000 bring forward amount is
used prior to 1 July 2017
Super Balance Max amount
under bring
forward
Max
contribution
in 2017/18
under bring
forward
Less than
$1.4m
3 x $100,000
cap
3 years
($300,000)
$1.4m to
<$1.5m
2 x $100,000
cap
2 years
($200,000)
$1.5m to
<$1.6m
1 x $100,000
cap
1 year
($100,000)
$1.6m N/A Nil
Non-Concessional Contribution and super
balance limits from 1 July 2017
Just keep an eye out for actual changes once legislated. There
are also transitional arrangements that will come in play. Seek
advice to clarify your personal situation.
The Bring Forward! The Juice!

8. 8
Money for Nothing!
How often do you get an opportunity to get
up to a 50% return on your money.
Yes that’s right. If your income is below $36,021 and you
make a contribution of $1,000 to your super fund, the
tax office will add to an extra $500 to your super.
Now that may not sound like much but where are you going
to get a 50% guaranteed return on your money?
I suspect the only way will be if you take a punt or win the
lottery, but that’s chance, not guaranteed.
Take the easy money!
 You made a personal contribution during the year
 You are aged less than 71
 You lodged a tax return for the year
 You meet the work tests, essentially deemed
employed.
 Over age 65 and still working, you must work 40hrs
in a 30 day period for reward, i.e. paid work.
 10% or more of your income must come from
employment or self employment to qualify.
 Income less than $36,021, qualify for the full $500,
between $36,021 to $51,021 the benefit is tiered.
Example 1: Judy earns $36,000 in employment
income and she puts into her super a lump sum of
$1,000 prior to the end of the financial year.
Alternatively, she could have her employer add an
extra $20pw ($1,040). Judy would be eligible for
$500 after lodging her tax return. Over 10 yrs, that’s
an extra $5,000 added to her super.
Example 2: Judy now changes jobs and is now
earning $45,021pa. For Judy to maximise her co-
contribution, she would only need to add $400 to
her super fund and she will receive a $200
contribution from the government into her fund.
Adding extra will go a long way to super-charging her
super.
Money Matching! The Juice!

9. 9
Even Up the Game!
This is all about playing the team game. Where one’s super
balance is larger than their spouses.
Now that the government has put a cap on how much you can
hold in super and where there is a likelihood of exceeding
$1.6m then you need to start taking action.
Any contributions made through the year via employer or
salary sacrifice can be transferred to your spouse.
Example 1: John’s super is worth $180,000 while his
wife’s super balance is $85,000. John earns
$150,000 and his employer contributes 9.5% of his
salary to super ($14,250). Less tax of 15%, John is
now able to transfer $12,112 to his wife’s super.
Example 2: Jack is aged 50 while his wife Jane is
aged 60. Jack decides to split all his super
contributions to his wife’s super account each year.
This means that Jane is able to access these funds
earlier. Should Jane be retired and in pension phase,
the earnings would be tax free, compared to a tax
rate of 15% if Jack left his super contributions in his
own super account.
Example 3: Ben is an executive earning $250,000,
aged 50 and married to Anna, aged 50, who works as
an accountant earning $80,000pa. Ben has been
adding to his super over his working life and looks
like he will exceed the $1.6m cap by age 65 when he
expects to retire. As Anna has a significantly lower
account balance, Ben decides to split his
contributions each year after tax into his wife’s super
account.
What this means is they are able to utilise the $1.6m
pension cap in both names which could reduce their
overall tax on earnings to zero compared to part of
the account attracting 15% on the earnings of the
fund.
Playing the Team Game! The Juice!
 Can be done annually
 Only 85% of the contribution can be
transferred to your spouse
 Even’s up account balances
 Where one spouse is older than the other,
funds may be able to accessed earlier.
“Play the Long Game!”

10. 10
Hidden Death Tax!
This one does not get much airtime. It is a hidden death duty.
It is tax charged on certain components within your super when
directed to an estate. Yes, that’s right. If directed to a
dependant, you are fine.
Do you want to reduce the amount the Government receives
when you pass away?
Or, if you don’t like your kids that much then this will reduce
your legacy.
There is good news. Early planning can reduce and in some cases
eliminate this issue, saving you from the grim reaper.
Example 1: Kevin retired 5 years ago and suddenly
passed away. He had $600,000 in super and his
three children are to inherit the money (all are non-
dependants). His balance is made up a taxable
component of $525,000 and a tax free amount of
$75,000. Based on this scenario the $525,000 is
taxed at 15% effectively reducing his benefit to his
children by $78,750.
Example 2: Winding the clock back 5 yrs, had Kevin
sought advice from us we would have recommended
a re-contribution strategy at retirement. In this case,
Kevin would have withdraw $540,000 from his
account and re-contributed this back into his super.
The makeup of his super would now be a tax-free
$547,500 and the taxable amount would have been
$52,500.
Therefore, the tax would be $7,875. This advice
would have effectively saved the estate $70,875.
Rather than this being paid to the ATO, the three
children would have benefitted from the lower tax
being applied to Kevin’s super.
*With contribution rules changing from 1 July 2017 it is
recommended you seek advice if looking to utilise this strategy to
work out what works for your individual circumstances.
Avoid the Grim Reaper! The Juice!
 Funds going from super to an estate.
 Taxable component taxed at 15%.
 Essentially on employer contributions and salary
contributions left in the fund at death.
“Don’t let the Grim Reaper get to Your
Estate!”

11. 11
Ever worked, left a job and forgot about your super. You
would be amazed the amount of money sitting around in lost
super.
Have you checked for any lost super accounts lately.
There is nearly $12 billion sitting in lost super accounts. Is any
of this yours?
Have you held casual or part-time employment in your working
life. If so, there is a chance you have lost super sitting around.
So how do you search for lost super? Well that is the simple
part.
All you need is your:-
• Tax File Number
• Name
• Date of Birth
In Westpac’s 2016 Lost Super Report, they stated that for
millennials, for every $1 in lost super found today equates to
$10 extra in retirement.
For example, if a millennial were to uncover $2,000 in lost
super, that would equate to an extra $20,000 in retirement.
May not sound a lot but every little bit helps.
Lost Super! The Juice!
 Billions in lost super
 Go to the MyGov site to find your lost super
Are You Leaving money behind?

12. 12
Retirement Runway!
How many planes do you know that taxi out to the runway
and then hit go, not many! There is significant planning and
preparation that goes into a safe take-off.
This is no different. Your take-off (retirement) takes planning
and this gives you the opportunity to implement those last
minute strategies that are going to get you to the end of the
runway ready for take-off, and onto your next adventure!
Take advantage of it while you can.
No TTR TTR
16/17
TTR
17/18
Gross Income $120,000 $120,000 $120,000
TTR Pension $14,400 $14,000
SGC $11,400 $11,400 $11,400
Salary Sacrifice $23,600 $13,600
Tax (including Medicare Levy) $34,432 $25,228 $29,128
Net Income $85,568 $85,568 $85,568
Net Contribution to Super after 15% tax $9,690 $29,750 $21,250
TTR Benefit $5,664 $3,264
Example 1: Ellen is aged 60, earning $120,000 pa
and does not currently have a TTR in place. Ellen
has $350,000 in super with a tax free amount of
$100,000. This example illustrates no TTR
(Ellen’s current position), commencing a TTR in
the FY17 and when the new rules come into play
from FY18.
*These examples do not take into account the tax savings on
earnings within a TTR, therefore, the current benefit would be
greater than that illustrated .
Retirement Runway! The Juice!
 Known as Transition to Retirement
 Post 1 July 2017, earnings taxed at 15%
 Draw income between 4% and 10% of the
balance.
 Pension payment is tax-free.
 Watch your super contribution limits, $25,000
post 1 July 2017.

13. 13
Income for Life!
This is your new regular pay cheque. You’ve worked hard,
paid your taxes and now is when you reap the benefits of all
your years of hard work.
You will now receive your income as determined by you needs
tax free for as long as your funds last.
Age Annual
Minimum
Drawdown
%
(2016-2017
Minimum drawdowns based
on account balance
$400,000 $800,000 $1,500,000
Under age 65 4% $16,000pa $32,000pa $60,000
65-74 5% $20,000pa $40,000pa $75,000pa
75-79 6% $24,000pa $48,000pa $90,000pa
80-84 7% $28,000pa $56,000pa $105,000pa
85-89 9% $36,000pa $72,000pa $135,000pa
90-95 11% $44,000pa $88,000pa $165,000pa
95+ 14% $56,000pa $112,000p
a
$210,000pa
Example 1: John has a balance of $600,000 in his
super account. He retires and moves his super
account into a ABP. John is 65. John’s drawdown
rate is 5% of the balance. Therefore, John is
required to withdraw a minimum amount of
$30,000 pa.
The $600,000 remains invested ( and we can
provide advice for you to determine the best
investment mix/investments that suit your
needs).
*From 1 July 2017, you will only be able to hold a maximum of $1.6m in
your ABP. For couples, this means you can potentially hold $3.2m ($1.6m
each) in a tax free environment.
Income for Life! The Juice!
 Tax Free Income over age 65 or retired
 Tax Free earnings
 No capitals gains tax
 Commonly known as Account Based Pension
(ABP)

14. 14
The Age Gap!
One spouse of age pension age, the other younger. Structure
things the right way and you gain a Centrelink pension.
Moving assets into the younger spouse’s super reduces your
assets for Centrelink purposes, provided the assets are held in
accumulation phase for the younger spouse.
Example 1: Jack is aged 66, has $500,000 in an
ABP. Jack is married to Jill who is aged 60, and
has $200,000 in an ABP. They own their own
home and have other assessable assets worth
$50,000.
Jack is entitled to $98.70pf ($2,566.20pa) from
the age pension. Jack would have been receiving
more prior to the changes on 1 January 2017.
To gain maximum benefits for Jack, we would need to reduce their
assessable assets to $375,000. As Jack is over age 65, he is able to
withdraw from his ABP. In this instance Jill would convert her ABP back to
accumulation phase. Jack would withdraw $175,000 from his ABP and Jill
would make a $175,000 non-concessional contribution. Given the yearly
cap is $180,000 in FY2017, she does not trigger the bring forward rule. This
changes post 1 July 2017.
Now their assessable assets consist of Jack’s ABP of $325,000 and other
assessable assets worth $50,000, meaning total assessable assets are
$375,000.
Jack is now entitled to $661.20 pf ($17,191.21pa), that’s a massive increase
of $14,625pa. He will be entitled to this until Jill reaches the pension age.
Given that Jill was born in 1957, the pension age for her is 67. This will
mean that while Jill retains her super in accumulation phase, Jack will
receive this increased benefit for another 7yrs.
That’s a $102,375 benefit over the next seven years just by structuring their
assets better. It is highly likely given the above circumstances that they
may not be eligible for age pension upon Jill reaching age 67, or if so, it
might be a small pension.
You can also seek advice from a qualified financial planner or Financial
Information Service Officer (FISO) from Centrelink to ensure you are not
missing any benefits.
The Age Gap! The Juice!
 One spouse over the age pension age, the
other below pension age.
 Assets held in the younger spouse provided in
super (accumulation) are exempt from the
assets test

15. 15
Wanting to take control of your own
super, then having a Self Managed
Super Fund may be for you. Over
600,000 people out there have one.
You take control, you make the
decisions about how to invest your
money rather than some big bank.
It’s not as hard as you think.
Yeah, there might be a little work in
setting it up, but after that, it’s full
steam ahead.
Most people are afraid of the
paperwork involved.
You can do this yourself if you want,
but if I was you, I would outsource
this role to someone like Exelsuper.
Believe me, it will save you a lot of
time and it is money well spent.
So who set’s up a SMSF?
• People discouraged with their
current fund
• People with larger account
balances
• Professionals
• Business owners
• People who prefer property over
shares
• People who want to take control
of their own destiny
What are the costs?
There are setup costs involved with an SMSF.
For example, at Exelsuper charges $1,890 which
includes the fund establishment documents and
setup of a corporate trustee (which we
recommend). For the ongoing administration,
preparation of tax returns and audit, Exelsuper
charge $2,750.
*This does not include any costs for personal advice. This is
quoted on an individual basis based on work.
Want to know more?
• You can call Glenn Doherty of Exelsuper on
1300 558 713.
• Visit the Exelsuper website here
• Visit the Exelsuper YouTube page here
• Visit the ATO Website here
Your Own Pty Ltd! The Juice!
 You need to have two members or corporate
trustee to setup a SMSF.
 As a rule of thumb you will need over
$200,000 in super to start, with regular
contributions going in.
 You can combine your super with your
spouse’s to create a bigger pool.
 You make the investment decisions or you can
outsource to a professional.
 You can invest in direct shares, managed
investments, cash, term deposits and direct
property.
 You have more control over your destiny.
Chart Your Own Course!

16. 16
You have two options, you can invest in
Residential Property or Commercial Property.
You have the ability to borrow to invest to
speed up your growth.
They both have their pros and cons and we are
happy to speak to you about them.
If you are going down the property route, stay
away from the property spruikers, apartments
and anything that sounds too good to be true.
Make sure you do your research and the
decision to invest into residential or
commercial property is done on its merits as a
sound long-term investment
Want to know more?
While this is a great strategy, it is not for
everyone and there are many ways you can get it
wrong. But done correctly, it can add to the
value of your super/retirement benefits.
Want to know more?
• You can call Glenn Doherty of Exelsuper on
1300 558 713.
• View Exelsuper’s video on investing in
direct property video here
The angle investor you never knew existed! The Juice!
 Use borrowed funds to magnify your returns
 Max tax rate on rent 15%
 Max tax rate on capital gains 10%
 If in pension phase and retired, 0% tax on
income and capital gains
 Borrow up to 80% for residential properties,
up to 60% for commercial properties
depending on the lender
 Ability to purchase larger asset now and
paying down over time helps you to create
wealth
Turbo Charge Your Super!

17. FAST SLOW
If you have got to here I hope you have gained
some valuable information to put in your tool
box. Any of these tools can help you to
achieve financial independence.
You have two choices, you can go it alone and
mumble your way through, or alternatively,
you can take the fast lane. Seek advice that is
tailored to your personal values, goals and
individual circumstances.
I’m cool with either way, however, if you want
to go quicker then I would choose the fast
lane. Just give us a call, we don’t bite!
Your next step!
If you have any questions about the strategies
mentioned here or just want to take the fast
lane approach and save yourself a whole heap
of time and stress, feel free to email me at
gdoherty@exelsuper.com.au or give me a call
on 0401 253 729 to book your 1:1 15min call
to find out what’s possible.
“THERE ARE 168 HOURS IN A WEEK. YOU
CHOOSE HOW YOU WANT TO SPEND THEM”