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A superannuation group has flagged how more than 800,000 Victorians – or one in three workers – have not received their legal super entitlement, with the value each year up around $1.4 billion.

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New analysis of ATO data by Industry Super Australia (ISA) has unveiled the scope of unpaid super in Victoria, calling it a “scandal”.

On average, it said the state’s workers are ripped off about $1,750 per year.

“This money, which workers are legally entitled to, can be the difference between a dignified retirement and one just scraping by,” ISA outlined.

It noted that while most employers do the right thing and pay employees their full entitlement, some are exploiting “legal loopholes and lax enforcement to shortchange workers”.

An outdated law means super is only required to be paid quarterly and not in line with pay cycles.

This makes it easy for payments to fall through the cracks.

ISA said that “some dodgy bosses don’t pay super at all, despite what it says on payslips”.

Holding onto workers’ super also allows unscrupulous employers to undercut their competitors who are doing the right thing, creating an unfair playing field and making it harder for good businesses to grow, the organisation outlined.

It condemned the ATO for shirking its responsibilities, saying that the government body “rarely fines directors who rip workers off” despite having the authority to do so.

The ISA also argued that the best way to end Victoria’s unpaid super shame is for the federal government to mandate all employers pay super at the same time as wages.

ISA deputy chief executive Matt Linden reiterated the call, noting “the only way to put this $1.4 billion super rip-off to an end is for the federal government to make super payable on payday”.

He said the Victorian government can add its voice to fix this problem once and for all.

“Across the state, almost a third of Victorian workers are having their super stolen, no area is immune,” he continued.

Mr Linden said, “Unpaid super blasts a hole in workers’ savings, making a huge difference to their quality of life in retirement.”

“With such little enforcement action taken against those responsible for the unpaid super scandal, it is time for Victoria’s federal and state politicians to act,” he concluded.

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A superannuation group has flagged how more than 800,000 Victorians – or one in three workers – have not received their legal super entitlement, with the value each year up around $1.4 billion.

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Industry super funds are continuing to outperform retail funds in terms of satisfaction, with the gap widening compared with the same period a year ago, according to the latest research.

Write comment (0 Comments) " ["fulltext"]=> string(2627) "

Following on from a year where median growth strategy superannuation funds delivered nearly 15 per cent growth, satisfaction across both industry and retail funds grew.

The main difference between retail and industry superannuation funds is in the distribution of profits, with retail funds being liable to shareholders, whereas industry super funds generally return profits to members. 

Results released by Roy Morgan showed that eight of the top 10 funds based on satisfaction were industry super funds.

The Superannuation Satisfaction Report showed Tasplan on 73.9 per cent, ahead of Unisuper (73.7 per cent), Cbus (73.3 per cent), First State Super (70.3 per cent), HESTA (70.2 per cent), CARE Super (67.6 per cent), AustralianSuper (67.3 per cent), Colonial First State (65.1 per cent), Mercer (64.7 per cent) and HOSTPLUS (63.2 per cent).

Roy Morgan CEO Michele Levine said Tasplan’s strong ratings growth compared with 12 months ago secured it the Industry Superannuation Fund of the Month Award.

“Of all the leading superannuation funds, Tasplan’s 8.4 per cent increase from a year ago was the highest and has placed it as the number one fund in terms of satisfied customers. Tasplan has now won four Industry Superannuation Fund of the Month Awards in 2019,” Ms Levine said.

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Industry super funds are continuing to outperform retail funds in terms of satisfaction, with the gap widening compared with the same period a year ago, according to the latest research.

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Women are the biggest recipients of the low-income super tax offset, with the number of females eligible for the tax break increasing significantly around the time they start having children, new research has found.

Write comment (0 Comments) " ["fulltext"]=> string(2007) "

Results of 174,000 customers data by AMP found that women between the ages of 18 and 54 are twice as likely to receive the low-income super tax offset than men.

The low-income tax offset effectively provides a tax refund for low-income earners straight into their super fund up to $500 per financial year, eligible for people earning under $37,000 or less saving into their super. 

John Perri, AMP’s technical strategy manager, said the results show that the tax offset is helping Aussies on a lower income get ahead.

“We know women retire with less super than men due to a range of factors. Women are more likely than men to take time out of the workforce to care for small children and often return to part-time lower-paid roles, where they haven’t had the benefit of pay increases and promotions while they’ve been on leave. 

“Although the low-income tax offset is a small amount, every little bit counts when it comes to increasing your superannuation balance.”

“Super is built on compounding interest, so the more you contribute at an early age, the more likely your balance will grow over time, subject to market fluctuations,” Mr Perri explained. 

The results also revealed younger Australians on a lower income are taking advantage of the scheme.

“It’s interesting to see Generation Z are also benefiting from the low-income tax offset. These Australians have time on their side when it comes to saving into super.” 

A $500 tax offset today could be worth significantly more when you consider the impact of compounding interest over the next four or five decades,” Mr Perri concluded.

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Women are the biggest recipients of the low-income super tax offset, with the number of females eligible for the tax break increasing significantly around the time they start having children, new research has found.

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With median dwelling values continuing to rise and the cost of credit falling to a historic low, Aussies are being told to focus on their mortgage over superannuation.

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In a research report, Morningstar analyst Chanaka Gunasekera noted that sound mortgage advice has the biggest impact on a person’s finances.

“For the average Australian, superannuation is not their largest asset, most of an average Australian’s wealth is from bricks and mortar assets, including their homes. The most important advice for these customers is how to deal with their mortgage,” Mr Gunasekera said.

Daniel Walsh, Your Property Your Wealth director and buyer’s agent, said savvy investors are able to take advantage of low interest rates to get ahead on their mortgages. 

“Investors with variable mortgages have seen interest rates tumble by 1 to 2 percentage points over the past year,” Mr Walsh said.

“Some investors have also opted to refinance now that the lending environment is more favourable to them, which has resulted in their repayments dropping even more,” he stated.

While noting the importance of paying down mortgages, Kate Browne, personal finance expert at Finder, said it is important to break down large goals such as paying off a mortgage into achievable pieces. 

“Rome wasn’t built in a day; starting a successful business or paying off the mortgage takes time. Ambitious goals like these will rarely be accomplished in a year. 

“Create smaller milestones or targets to reach every few months. This will help you stay focused and prevent resolution burnout. Think of your grand plan as a marathon, not a sprint,” Ms Brown said. 

nestegg has previously reported how taking out a home loan leads to Australians engaging with their superannuation.

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With median dwelling values continuing to rise and the cost of credit falling to a historic low, Aussies are being told to focus on their mortgage over superannuation.

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Regional and rural Australians could look at using super assets in some cases to help with any financial hardship being experienced as a result of the current bushfire and drought crises, according to an SMSF administrator.

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Practical Systems Super SMSF specialist Bob Locke told nestegg sister title SMSF Adviser that the group had seen a rising incidence of queries from clients around whether it was possible for assets within their SMSF to be used to assist with living expenses as a result of the drought or property destruction due to bushfire damage.

Mr Locke said that while there were strict rules around the use of such assets prior to retirement age, if rural clients could prove severe financial hardship, it could be possible to access a portion of super to supplement any emergency payments being received.

“Super legislation recognises that there can be legitimate situations where release of monies before the intended time may be appropriate,” he said.

“These include compassionate grounds to cover items such as medical expenses, home modifications to cater for disability and housing loan payments to prevent foreclosure; severe financial hardship for amounts up to $10,000 in any year; [and] transition to retirement, provided the person has reached their preservation age.

“As an example, farmers who may have been receiving the Farm Household Allowance benefit for at least six months may qualify for severe financial hardship.”

Mr Locke said depending on the age of a client, commencing a transition to retirement pension could also be an appropriate strategy to help rural clients through the drought season, as they could look at making additional contributions back to their super after drought conditions had passed.

“Another example may be older farmers who are cash-strapped due to ongoing fodder costs in maintaining breeding stock,” he said.

“One option for them might be to instigate a transition to retirement payment from their fund to temporarily assist with living expenses until the drought breaks. The intention would be to top up their super balances once conditions return to normal.”

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Regional and rural Australians could look at using super assets in some cases to help with any financial hardship being experienced as a result of the current bushfire and drought crises, according to an SMSF administrator.

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With many Australians concerned that they will not have enough money in their superannuation in retirement, now is a good time to make small changes that could make a substantial difference, an industry expert has suggested.

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According to Dr Nick Coates, Industry Super Australia’s head of research, boosting superannuation balances can be simple and often tax-effective.

“Check you are being properly paid super, consolidate accounts, compare funds, select the right investment mix and make small contributions,” Dr Coates advised.

Dr Coates noted that consumers worried about their superannuation balances can follow five steps to help achieve a comfortable retirement.

First, check with your fund to make sure you are getting paid all your legal super entitlements, he said.

“Unpaid superannuation impacts one in three workers, and while most bosses do the right thing, there are still some employers out there who deliberately rip workers off,” Dr Coates said.

The head of research believes that as superannuation benefits continue to grow next year, the need to ensure employers are paying the right amount will become more important.

“With the super guarantee set to rise to 12 per cent, it is even more important to make sure you are getting paid your full legal entitlement and that the fund is working for you,” Dr Coates continued.

The second tip Dr Coates suggested is to consolidate your super funds into one account, noting that lost or unpaid super is simple to track by using the Australian Taxation Office tools.

Thirdly, compare your existing super fund with others in the market to make sure it is meeting your needs, Dr Coates advised, adding that fees and investment performance are important factors to consider.

“Compare funds over five years or more. The Productivity Commission found underperforming funds can cost members up to $500,000 in savings when they retire. This could be the difference between retiring at 65 or 67,” Dr Coates continued. 

Four, making sure the investment strategy of the fund is right for you as it can have a big impact in retirement, according to the researcher. 

“Choosing your super investment strategy is like making the perfect beach cocktail – you need to get the mix right. Make sure the investment strategy matches your needs and appetite for risk – which your fund can help you with. Also, be sure to check the insurance coverage is the right fit for you and your family,” Dr Coates said.       

Five, if you get some type of windfall, consider putting it in your super fund. 

“It is a tax-effective way to make savings, and with the powers of compounding interest, a little invested in super now makes a big difference in retirement,” Dr Coates concluded.

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With many Australians concerned that they will not have enough money in their superannuation in retirement, now is a good time to make small changes that could make a substantial difference, an industry expert has suggested.

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