Combining super with spouse

Discussion in 'Superannuation, SMSF & Personal Insurance' started by MrsPlatten, 29th Sep, 2012.

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  1. MrsPlatten

    MrsPlatten New Member

    Joined:
    1st Jul, 2015
    Posts:
    2
    Location:
    SA
    Hi There ..
    Just wondering if anyone could help me find out some more info about combining super funds ..
    Can this only be done through a SMSF? If not, could somebody please explain the process of combing husband/wife super accounts into the one? I wasn't aware it was an option but a study buddy has suggested it so would love to hear more about it!
    Thanks,
    Sam!
     
    MrsPlatten, 29th Sep, 2012
    #1
  2. Andrew Newman

    Andrew Newman Well-Known Member

    Joined:
    1st Jul, 2015
    Posts:
    135
    Location:
    Melbourne
    Hi Sam

    As your study buddy suggested the idea, ask them how it's done?

    What are you trying to achieve?

    Kind Regards
     
    Andrew Newman, 8th Oct, 2012
    #2
  3. Superman__

    Superman__ Well-Known Member

    Joined:
    1st Jul, 2015
    Posts:
    350
    Location:
    Gold Coast, QLD
    Hi Sam

    Even with an SMSF each member has their own separate benefit within the fund even though the investments are pooled.

    You can also split concessional contributions to your spouse (you don't need an SMSF)

    But to follow up Andrew's question - we need to know the reason behind your question (if any) to give an appropriate answer.

    Thanks
    SM
     
    Superman__, 10th Oct, 2012
    #3
  4. dareni

    dareni New Member

    Joined:
    1st Jul, 2015
    Posts:
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    Location:
    Gold Coast
    Combining spouse super.

    Hi,
    My wife is finished work and will probably never work again. Her balance is 30k and losing a few hundred dollars each year in fees. If we can combine our super isn't it worth it to avoid a second set of management fees. Thanks Daren.
     
    dareni, 30th May, 2013
    #4
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