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Splitting super

Discussion in 'Superannuation, SMSF & Personal Insurance' started by chifchif, 17th Apr, 2013.

  1. chifchif

    chifchif New Member

    Joined:
    17th Apr, 2013
    Posts:
    1
    Location:
    Sydney
    Hi,

    I am 31 and my wife is 9 years older. I am investigating the option of splitting some of my super into her super as she'll be allowed to access it earlier.

    My wife's super money is mainly in a defined benefit plan (pss) + some money from a previous employer in an accumulation plan.

    I would love to get some opinions on the following:

    1) Does it make sense to start splitting now or is it too early?

    2) If I decide to split, should I consistently move the maximum amount (85% of what I receive from my employer in a year). Maybe more if I salary sacrifice.

    3) Is the benefit received from my wife in her defined benefit scheme in any way influenced by any other accumulation super accounts she would have? (I don't think so).

    4) Is there anything else I should be aware of?


    Thank you.
     
  2. Superman

    Superman Well-Known Member

    Joined:
    6th Nov, 2007
    Posts:
    343
    Location:
    Gold Coast, QLD