Australian Finance Podcast Q&A: Salary sacrifice, first home super, and when to use credit cards
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Sep 18, 2025 Tahli Cavagnino, a Senior Adviser at Rask Advice known for her expertise in financial planning and superannuation, joins to answer listener questions. She breaks down what occurs when super transitions into pension mode and explores tax-free investment strategies for kids. Tahli also clarifies salary sacrifice rules and details on the First Home Super Saver Scheme. Plus, she offers insight on when credit cards might benefit young investors, emphasizing the importance of understanding rewards and risks.
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How Pension Mode Makes Super Tax-Free
- An account-based pension (pension mode) makes investment earnings and withdrawals tax-free.
- You still hold investments and can choose growth, balanced or conservative options after moving to pension mode.
Review Investments Before Switching To Pension
- Review and adjust your investment mix when switching to pension phase because your withdrawal needs differ from accumulation.
- Consider moving only part of your balance to pension to manage minimum withdrawal rules and tax benefits.
Tax-Smart Ways To Invest For Kids
- Avoid triggering capital gains tax by transferring assets in your name to your child at 18; consider minor trust or purpose-built minor accounts instead.
- Use investment or education bonds to nominate transfer dates and avoid tax events if you want tax-paid structures and eventual tax-free withdrawals after 10 years.
