Case Studies

JIM AND ROBYN 

Super contributions, account based pension and tax free income of $60,000 per annum from a $1,200,000 investment Jim and Robyn had $1,200,000 in investment assets. Henderson Maxwell recommended making tax-free contributions to super and setting up an account-based pension. Jim and Robyn were able to derive an annual tax-free income stream of more than $60,000 per annum from a $1,200,000 investment and their investments were free of capital gains tax and tax on earnings.

DAVID AND SUE 

$52,500 retirement income stream with $750,000 in assets magnifi ed by Centrelink strategy David and Sue had combined assets of $750,000. Henderson Maxwell recommended contributing the majority to superannuation to ensure a tax-free income stream. We also assisted them to apply for a Centrelink age pension that gave them a further $8,000 per annum plus the lowincome pension card. They were also eligible for the Commonwealth Seniors Health Card. The additional value was around $12,500 per annum in addition to their tax-free income stream of around $40,000 per annum providing them with a total benefi t of more than $52,500 per annum.

TONY AND MARGARET 

Transition to Retirement Income Stream (TRIS) – reduce tax and increase your super Tony was 55 and Margaret was 53. Tony earned $150,000 per annum and paid $46,000 a year in tax and has $600,000 in super; also paying 15% tax on his earnings and 10% capital gains tax. Henderson Maxwell recommended establishing a Transition to Retirement Income Stream (TRIS) with his $600,000 and salary sacrifi cing his maximum concessional amount to super that was $50,000. Tony was able to save $12,500 in income tax and a further $5,000 per annum in superannuation taxes whilst having no affect on his cash flow.

JOHN AND PATRICIA 

Capital gain tax savings of $24,000, tax-free investment and tax-free income stream John and Patricia had more than $3,000,000 in assets and wanted to sell a property worth $750,000 bought in 1992 to boost their superannuation and fund their retirement. Henderson Maxwell recommended selling the property after they retired and before they turned 65 maximising their concessional contributions and utilising their ability to make substantial tax-free contributions to super. Henderson Maxwell saved John and Patricia $24,000 in capital gains tax and ensured their investments remained tax-free in the future, whilst providing them with a tax-free income for life.

PAUL AND DIANA 

An actively managed account for their SMSF portfolio Paul and Diana have been running a self managed super fund for the past 10 years and had the funds managed by a fi nancial planner. The planner was employing a “set and forget strategy” where he would only look at the shares and managed funds once a year and told them to do nothing and sit tight. Henderson Maxwell recommended an actively managed account that is managed daily by our professional portfolio managers and able to be altered to maximise opportunities as share markets fl uctuate, providing better returns. Paul and Diana were able to have more control over income and could travel around Australia without having to worry if someone was watching their portfolio as closely as they would. They also had 24/7 access to their accounts providing maximum transparency of their investments.