At MST our financial planners see
superannuation as a long-term investment, so we've developed solutions
that can take into account your specific needs over time as well as
providing access to technical strategies and leading advisers to help
you make the most from your superannuation. Superannuation is one of
many ways to save for your retirement, and it might be one of the
biggest investments you'll ever have and the difference with this
investment though is its concessional tax treatment, with super having
a tax rate on earnings of 15% or lower and in some cases, you can even
claim a tax deduction or tax off-set on your contributions.
To get the most out of superannuation you must understand how super will work in your particular circumstances. What's more, you also have to keep up with the latest rule changes so that you can take the appropriate actions. Are you entitled to a $1500 co-contribution from the Government? Do you understand the benefits of splitting super contributions? Are you paying more in superannuation fees than you need to?
This is where an MST Financial Planner can help you. They can advise you on tax-effective strategies that assist you to achieve your retirement goals. What's more, as your needs change, a Financial Planner can ensure you remain on track to meet these goals. That makes super sense.
Find your lost superannuation online
When a member of a superannuation fund is reported as 'lost' by a fund, the details of that member are recorded on the Australian Taxation Office's Lost Members Register. MST’s online tools instantly provides possible matches for lost superannuation using your tax file number, name and date of birth. If you do find superannuation you're entitled to, let MST Active consolidate this, and other superannuation fund accounts you knowingly have
Click here for a no obligation free chat with an MST Qualified Financial Planner
We let you know what you need to do to meet what is usually the number one financial goal - having enough money for retirement. In this capacity, our planners just give the facts without value judgments. We take your cash flows and model projected results, and tell you what needs to change in order to reach retirement goals.
At MST we recognise that retirement means different things to different people, so we've developed retirement solutions that suit your individual needs. Our retirement solutions offer a regular tax-effective income as well as potential social security benefits. We also make sure you're kept informed of Government changes that could impact your retirement account so you can be confident your money is working harder each day. We regularly review our products so you can take advantage of the latest market thinking and make the most of your retirement investment.
If you're approaching retirement, you may have a number of options to boost your savings. One strategy you might consider if you are aged 55 or over and still working is a 'transition to retirement' strategy, this allows you to grow your retirement savings, without impacting the amount of money you have to live off. If you are self-employed, investing some of your business income in your super will get the strategy working, and you can also claim a tax deduction for your contribution.
When you've stopped working
When you retire you have a number of options, particularly when it comes to your super. One option is to keep your money in super by rolling over to an income stream investment like an account-based pension. Beginning an income stream investment can be a very tax-effective option. Between the ages of 55 and 59, the taxable income payments you receive will attract a pension offset, allowing you to receive thousands of dollars a year tax-free. An income stream investment could also help you access (or increase your entitlement to) the Age Pension.
Click here to have a free no obligation chat with a Financial Planner.
Recent studies show that 85% of Australians are confused
or confess to having ‘no idea’ about obtaining finance for major
purchases with 54.6% of these people finding their major purchases even
before seeking financial information. With so many options many people
just do not know where to start. At MST Active, you can be safe and sure
in the knowledge all Finance Professionals we recommend to you without
exception carry all relevant regulatory requirements and come from the
largest and most qualified lending associations, groups and regulatory
bodies in Australia. We have chosen to partner with them for not only
are they vastly adept at navigating turbulent times but they are also
committed to treating you, and keeping you as a “client for life!” all
eager to help you! At the very least we could introduce you to these
people and you can have a quick chat on the telephone in the initial
stages.
Since 2008, the Australian Commonwealth Government has decided to
regulate the credit code across the entire country, as there have been
varying degrees of regulation and licensing from State to State. This
means from 1 July 2010, all companies and individuals who deals with
credit and lending, will be required to hold a Credit License that is
recognise Australia wide. The license will be regulated by the
Australian Securities and Investment Commission, the highest level of
regulatory body in Australia. This means there is better protection and a
higher quality of professional service for you.
All MST Active Finance Professionals will have this license, and their
credit license number will be freely available for inspection on our
website. It is important that no matter which Finance Professional you
see, whether they are a Financial Planner or Mortgage Broker, when they
deal with credit then do ask them for a credit license number, and
verify that number on the ASIC website.
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You can find out more about other services we provide, just
follow the links below.
• The
banks made a swift $17 million by passing on interest rate rises faster
than they cut them?
By choosing an MST Active Finance Professional you can be sure that they are Independent and only offer advice that has your best interest in mind.
• Did
you know that 98% of all loans in Australia are now given to the major
Banks?
At MST Active we are proudly independent. You can be safe in the knowledge that our Aggregation Model means that all Finance Professional we recommend to you are not owned or dictated to by any banks. This means the advice they give to you is with your interest at heart, and we ensure that the loans we recommend to you are the best available.
• Did you know that 98% of all loans in Australia are now given to the major Banks?
At MST Active we understand that we will need to work with the banks, however we will NOT recommend their products unless it is the best value product for you, out in the market today.
• Did you know in six months since GFC, the banks had made an extra $100 billion, that is 5 times the amount in the Governments Futures Fund?
With many banking institutions, building societies and credit unions that offer fee free banking services, why pay for an account when you can have it for free? At MST Active, our Independent Financial Consultants have a range of products that you can choose from and tailor them to what you want, when you want it!
• Did you know the total value of mortgages held by the Big4 is worth $661.4 billion?
An MST Broker just doesn’t just give you an off the shelf loan package that everyone else gets! Every client we assist has an individual financial model designed specifically for them by our strictly independent finance professionals. We help you take charge and control of your financial situation by providing you with valuable expertise and knowledge as well giving you total access to the growing number of services available at MST Active that will assist both you and your family.
• Did you know that it took the major banks just 12 short months to wipe out all competition that took over 15 years to build up?
Your MST Active mortgage broker enjoys an exciting working environment that sets them apart from all other broker groups and aggregators in the mortgage industry. MST Active provide our mortgage brokers with all the right tools and support to make them more successful and more professional than they could ever have achieved alone or in any other system. The great news for you is that they have more time and all the resources they will ever need to ensure you get what you want and when you want it!
• Did you know the banks are gouging an extra $7 billion out of your pockets by not passing the full rate cuts, and increasing the rates beyond the RBA?
With many banking institutions, building societies and credit unions that offer fee free banking services, why pay for an account when you can have it for free? At MST Active, our Independent Financial Consultants have a range of products that you can choose from and tailor them to what you want, when you want it!
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