{"id":15095,"date":"2020-06-10T13:34:03","date_gmt":"2020-06-10T03:34:03","guid":{"rendered":"https:\/\/www.prosolution.com.au\/?p=15095"},"modified":"2020-06-10T17:54:49","modified_gmt":"2020-06-10T07:54:49","slug":"tax-planning-2020","status":"publish","type":"post","link":"https:\/\/wealthcoach.com.au\/stage\/tax-planning-2020\/","title":{"rendered":"Tax planning ideas for 2020"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"250\" data-attachment-id=\"15096\" data-permalink=\"https:\/\/wealthcoach.com.au\/stage\/tax-planning-2020\/save-tax-2020-email\/\" data-orig-file=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2020\/06\/Save-Tax-2020-Email.png?fit=1000%2C250&amp;ssl=1\" data-orig-size=\"1000,250\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Save-Tax-2020-Email\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2020\/06\/Save-Tax-2020-Email.png?fit=300%2C75&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2020\/06\/Save-Tax-2020-Email.png?fit=1000%2C250&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2020\/06\/Save-Tax-2020-Email.png?resize=1000%2C250&#038;ssl=1\" alt=\"taxable income\" class=\"wp-image-15096\" srcset=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2020\/06\/Save-Tax-2020-Email.png?w=1000&amp;ssl=1 1000w, https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2020\/06\/Save-Tax-2020-Email.png?resize=300%2C75&amp;ssl=1 300w, https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2020\/06\/Save-Tax-2020-Email.png?resize=768%2C192&amp;ssl=1 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>With the financial year coming to a close, I thought it\nwas timely to share some of the common strategies we consider when helping\nclients minimise their taxation liabilities. <\/p>\n\n\n\n<p>Of course, none of the information below should be\nconsidered personal taxation advice. I don\u2019t know your circumstances and\neveryone\u2019s situation is different. Therefore, please don\u2019t act solely on the\ninformation contained in this blog. It is best to check with an experienced and\nappropriately licensed professional. <\/p>\n\n\n\n<iframe loading=\"lazy\" src=\"https:\/\/webplayer.whooshkaa.com\/episode\/671234?theme=light&amp;enable-volume=true\" height=\"190\" width=\"100%\" scrolling=\"no\" frameborder=\"0\" allow=\"autoplay\"><\/iframe>\n\n\n\n<h3 class=\"wp-block-heading\">New work from home deductions <\/h3>\n\n\n\n<p>To accommodate the fact that the majority of people have been working from home during the Covid shutdown period, the ATO has provided a <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.ato.gov.au\/general\/covid-19\/support-for-individuals-and-employees\/employees-working-from-home\/#ShortcutMethod\" target=\"_blank\">shortcut method<\/a> to calculate these related deductions. In simple terms, employees are able to claim a tax deduction equal to 80 cents for each hour they have worked from home between 1 March and 30 June 2020. <\/p>\n\n\n\n<p>If more than one person has been working from home in\nyour family, each person is entitled to the shortcut deduction. <\/p>\n\n\n\n<p>If you use the shortcut method, you are not able to claim\nany additional work from home expenses. <\/p>\n\n\n\n<p>If you do not use this shortcut method, please refer to <a href=\"https:\/\/wealthcoach.com.au\/stage\/home-office\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">this blog<\/a> which it sets out an alternate method for calculating deductions. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">When to make additional personal super contributions <\/h3>\n\n\n\n<p>Anyone that is 65 years or younger is able to contribute\nup to $25,000 into super and claim a personal income tax deduction. Included in\nthis concessional contribution cap is any contributions made by your employer\non your behalf. This is referred to as Superannuation Guarantee Charge or SGC\ni.e. the mandatory 9.5% p.a. <\/p>\n\n\n\n<p>If you earn less than $250,000 per year, all\ncontributions are taxed at a flat rate of 15%. This means you pay less tax\noverall. If you are on the top marginal tax rate, contributing into super saves\n35% (47% versus 15%). <\/p>\n\n\n\n<p>However, if you earn over $250,000 per year,\ncontributions are taxed at a flat 30%. This is called Division 293 tax. In this\nsituation, you are still able to reduce your tax by making super contributions,\njust to a lesser extent. <\/p>\n\n\n\n<p>If your taxable income is expected to materially exceed $90,000 this financial year and you have sufficient savings, then making an additional contribution into super may be tax effective. The marginal tax rate on income between $90,001 and $180,000 is 39% so contributing into super saves you 24%. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">If you expect that your taxable income is unusually high this year<\/h3>\n\n\n\n<p>If you anticipate that your taxable income this financial\nyear is likely to be higher than next financial year (e.g. due to receiving a\nbonus or crystallising a capital gain), then you might consider whether you are\nable to use the carry-forward rule. <\/p>\n\n\n\n<p>The <a href=\"https:\/\/www.ato.gov.au\/individuals\/super\/in-detail\/growing-your-super\/super-contributions---too-much-can-mean-extra-tax\/?page=2#Carry_forward_concessional_contributions\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">carry-forward rule<\/a> allows you to access any unutilised concessional caps in previous financial years. This rule commenced on 1 July 2018. Therefore, if you did not fully utilise the $25,000 concessional cap last financial year (i.e. 2018\/19), and your super balance was less than $500,000 as at 1 July 2019, then you can access the unused portion of the cap this financial year. <\/p>\n\n\n\n<p>If you have a Self Managed Super Fund, you may also be\nable to contribute an additional year\u2019s worth of contributions this year too.\nThis is called \u2018contribution reserving\u2019 and whether you can or should avail\nyourself of this strategy is something you should discuss with your accountant\nand financial advisor. <\/p>\n\n\n\n<p>Another strategy to reduce the amount of tax you pay this\nyear is to consider paying interest in advance. This is only applicable if you\nhave investment loans (e.g. you have borrowed to invest in shares or property).\nThis strategy involves paying the next 12 months of interest in June and\nclaiming a tax deduction for it this year. Given interest rates are\nhistorically low, particularly fixed rates, it is important to ascertain\nwhether any potential tax savings are worthwhile.&nbsp; &nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">If you expect your taxable income next year to be substantially higher than\nthis year<\/h3>\n\n\n\n<p>If you expect that your income next financial year\n(2020\/21) will be materially higher than this year i.e. push you into a higher\ntax bracket, then it might be advantageous for you to not make any additional contributions\nthis financial year. Instead, you can use the carry-forward rule and make the\nadditional contributions next year (so that you maximise your tax deductions in\nthat year). <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Spousal and government co-contributions <\/h3>\n\n\n\n<p>If your spouse\u2019s income is relatively low, you may be\nable to save some tax and boost their super balance. <\/p>\n\n\n\n<p><strong>Government co-contributions<\/strong> \u2013 if your income is below $38,564 this financial year and you contribute $1,000 (as a <a href=\"https:\/\/www.ato.gov.au\/Individuals\/Super\/In-detail\/Growing-your-super\/Super-contributions---too-much-can-mean-extra-tax\/?page=3#Non_concessional_contributions\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">non-concessional contribution<\/a>) the government will make a co-contribution of $500. See <a href=\"https:\/\/www.ato.gov.au\/Individuals\/Super\/In-detail\/Growing-your-super\/Super-co-contribution\/?anchor=Eligibilityforthesupercocontribution#Eligibilityforthesupercocontribution\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">here<\/a> for all eligibility criteria. <\/p>\n\n\n\n<p><strong>Spousal contributions<\/strong> \u2013 if your spouse\u2019s income will be less than $37,000 this financial year, and you make a non-concessional contribution into their super account of $3,000, you will be entitled to a tax offset of $540. See <a href=\"https:\/\/www.ato.gov.au\/Individuals\/myTax\/2020\/In-detail\/Super-contributions-on-behalf-of-your-spouse\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">here<\/a> for all eligibility criteria.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Sell any dud investments <\/h3>\n\n\n\n<p>If you have crystallised a capital gain this year then it\nmight be wise to consider selling any dud investments that will crystallise a\ncapital loss, which you can use to reduce the capital gain.&nbsp; <\/p>\n\n\n\n<p>Capital gains are added to your taxable income in the\nyear that the Capital Gains Tax event occurred. Capital losses can only be\noffset against capital gains and not other taxable income. Therefore, if you do\nnot have any gains to offset a capital loss, you may be able to carry it\nforward to future tax years. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">There are other tactics for businesses <\/h3>\n\n\n\n<p>This blog is aimed at individuals, not businesses. There are a number of tax saving tactics for businesses including trading stock write-offs, asset instant write off provisions and so on. Contact us if you wish to discuss these measures. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Don\u2019t let tax saving measures come at the cost of building wealth <\/h3>\n\n\n\n<p>Quite often you have to spend money in order to save tax.\nHowever, it\u2019s important that you are spending on things that ultimately help\nyou build wealth and achieve lifestyle goals. There is little benefit gained\nfrom spending money just to chase a tax deduction. <\/p>\n\n\n\n<p>If you are confident that you are taking advantage of all\nopportunities to reduce your tax but are still unhappy, perhaps the best thing\nto do is focus your energy on ensuring pre and post-tax dollars are wisely\ninvested. Maybe you\u2019d feel less concerned about the taxes you pay if your\nfinancial position was advancing at a faster rate each year. <\/p>\n   ","protected":false},"excerpt":{"rendered":"<p>With the financial year coming to a close, I thought it was timely to share some of the common strategies we consider when helping clients minimise their taxation liabilities. Of&#8230;<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"__cvm_playback_settings":[],"__cvm_video_id":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"footnotes":""},"categories":[438],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v21.9.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Tax planning ideas for 2020 - some tactics to help you save tax<\/title>\n<meta name=\"description\" content=\"Tax planning ideas for 2020 - we share some of the common strategies we consider when helping clients minimise their taxation liabilities.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tax planning ideas for 2020\" \/>\n<meta property=\"og:description\" content=\"Tax planning ideas for 2020 - 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