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Estate planning

A final thing to remember is that any changes to your super strategy may have a knock-on effect for your estate planning.

If you move assets out of the pension phase to stay under the $1.6 million transfer balance cap, then you’ll need to think about what will happen to these assets after you pass away.


For example, you might have to put a binding death nomination on money moved back to the accumulation phase, or else update your will to account for any assets you take out of super.


Your financial adviser can review your estate plan while updating your super arrangements, to make sure any changes are accounted for.

 

Disclaimer
Colonial First State Investments Limited ABN 98 002 348 352, AFS Licence 232468 (Colonial First State) is the issuer of super, pension and investment products. This document may include general advice but does not take into account your individual objectives, financial situation or needs. You should read the relevant Product Disclosure Statement (PDS) carefully and assess whether the information is appropriate for you and consider talking to a financial adviser before making an investment decision. A PDS for Colonial First State’s products are available at colonialfirststate.com.au or by calling us on 13 13 36.