Earlier this month, the Gillard Government announced some key changes to Superannuation. Note these changes have not yet been passed by law, only released to the public.
Following are

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the Superannuation changes that were announced:

1. Earnings from superannuatin pensions/annuities:
– earnings above $100,000 a year will no longer be tax free and instead attract a 15% tax rate
– Assuming a rate of return of 5%, this will only affect individuals with more than $2 million in assets supporting an income stream of $100,000 a year.

2. Concessional contributions cap
– an increased $35,000 concessinal cap on superannuation contributions to apply to people aged 60 and over from July 1, 2013, and those aged 50 and over from July 1, 2014.
– General concessional cap to reach $35,000 from July 1, 2018. this is the amount that can be added to super accounts each year before penalty taxes apply.
– the Government had previously planned to increase the cap to $50,000 for people aged 50 or older with total super balance below $500,000. It no longer plans to

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increase the cap to $50,000 for some people, saying it would be too difficult to administer.

3. Excess contributions
– Currently, concessional contributions in excess of annual cap are taxed at top marginal tax rate of 46.5% rather than normal rate of 15%, penalising individuals with income below the top marginal tax rate.
– Government plans to tax excess concessional contributions at the individual’s marginal tax rate, plus an interest charge.

4. Deeming rules
-standard pension deeming arrangements to apply to new superannuation account-based income streams assessed under the pension income test rules after January 1, 2015.
– all products held by pensioners before this date to be assessed under existing rules for the life of the product.

5. Lost Superannuation
– as previously announced, interest will be paid on lost superannuation accounts reclaimed from the ATO.
– but the account balance threshold at which accounts must be transferred to the ATO

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will increase to $2,500 from December

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31, 2015, and to $3,000 from December 31, 2016.


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