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id="firstNet-online-portal" class="cmp-title"> <h2 class="cmp-title__text text--center colour-- h2">Latest news</h2> </div> </div> <div class="accordion panelcontainer aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2"> <div data-cmp-is="cfsAccordion" data-deeplinking="true" data-placeholder-text="false" id="accordion-80a6f88d2d" class=" Accordion Accordion--heading-alignment-center Accordion--theme-light Accordion--style-plus_right "> <div class="Accordion__ItemList"> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-80a6f88d2d-item-2bf400d9d4-header" data-title="29/1/2025 - General transfer balance cap will increase to $2M from 1 July 2025"> <div class="Accordion__ItemHeaderIcon"> <i class="iconfont-chevron-up" aria-hidden="true"></i> <i class="iconfont-chevron-down" aria-hidden="true"></i> </div> <div class="Accordion__ItemHeaderTitle p2">29/1/2025 - General transfer balance cap will increase to $2M from 1 July 2025</div> </button> <div class="Accordion__ItemPanel" id="accordion-80a6f88d2d-item-2bf400d9d4-panel" role="region" aria-labelledby="accordion-80a6f88d2d-item-2bf400d9d4-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="two-column-container-2bf400d9d4" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--8 aem-Grid--default--8 aem-Grid--phone--8 "> <div class="responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--6 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div class="aem-Grid aem-Grid--6 aem-Grid--default--6 aem-Grid--phone--12 "> </div> </div> <div class="responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--6 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div class="aem-Grid aem-Grid--6 aem-Grid--default--6 aem-Grid--phone--12 "> </div> </div> <div class="text aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12"> <div id="text-89f757b7b9" class="cmp-text"> <p> </p> <table width="100%" cellspacing="0" cellpadding="0" border="0"><tbody><tr><td><table width="100%" cellspacing="0" cellpadding="0" border="0"><tbody><tr><td><table width="100%" cellspacing="0" cellpadding="0" border="0"><tbody><tr><td><table width="100%" cellspacing="0" cellpadding="0" border="0"><tbody><tr><td>The December quarter CPI figure of 139.4 <a href="https://update.colonialfirststate.com.au/collect/click.aspx?u=OVMxbithRFVPQXI3Qzkzd1A1MnpUUXZXQU5QL0JuTHlRL1UyeGZBR05tdHozMUQ2dFg1bnZsVEN3YzVhaTdrd3pvQ2gxQU4rQUVPRmJFZWdYRDhOUUlGaXF6MTBqQUE0aDN4N0ttakFuZjFFNmlRbGdrbkpySUZWRE9ac2MvVzhRNmxLbWVtTTNndUExM0xjT2RSbEF0ZzhYUzhyL3BhWDJWdDdEMmZ4cG9Jbjg0ZXVMY01WdEtic1VjSXdjVjR0&ch=2e49cf30d15bb0a2d7af723a4bb667ac531bee37">released today</a> confirms that the general transfer balance cap (currently $1.9 million) will increase to $2 million on 1 July 2025. </td></tr></tbody></table> </td></tr></tbody></table> </td></tr></tbody></table> </td></tr><tr><td><img src="https://cecollect.com/tl/space.gif" width="1" height="15" alt=""/></td></tr></tbody></table> <table width="100%" cellspacing="0" cellpadding="0" border="0"><tbody><tr><td><img src="https://cecollect.com/tl/space.gif" width="1" height="15" alt=""/></td></tr><tr><td><table width="100%" cellspacing="0" cellpadding="0" border="0"><tbody><tr><td><table width="100%" cellspacing="0" cellpadding="0" border="0"><tbody><tr><td><table width="100%" cellspacing="0" cellpadding="0" border="0"><tbody><tr><td>This increase means that clients commencing their first retirement phase income stream in 2025–26 will start with a personal transfer balance cap of $2 million. Clients who already have a personal transfer balance cap that they have not fully utilised at any time in the past will see their cap increase on 1 July 2025 by a smaller amount (than the general cap increase) due to proportional indexation. Further information about the general and personal transfer balance cap can be found in section 21 of the <a href="https://update.colonialfirststate.com.au/collect/click.aspx?u=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&ch=2e49cf30d15bb0a2d7af723a4bb667ac531bee37">FirstTech Super and Retirement Income Streams Guide</a>.<br /> <br /> The increase in the general transfer balance cap also impacts other super rules and concessions in 2025–26 as follows:</td></tr></tbody></table> </td></tr></tbody></table> </td></tr></tbody></table> </td></tr><tr><td><img src="https://cecollect.com/tl/space.gif" width="1" height="15" alt=""/></td></tr></tbody></table> <table width="100%" cellspacing="0" cellpadding="0" border="0"><tbody><tr><td><img src="https://cecollect.com/tl/space.gif" width="1" height="15" alt=""/></td></tr><tr><td><table width="100%" cellspacing="0" cellpadding="0" border="0"><tbody><tr><td><table width="100%" cellspacing="0" cellpadding="0" border="0"><tbody><tr><td><table width="100%" cellspacing="0" cellpadding="0" border="0"><tbody><tr><td><table width="100%" cellspacing="0" cellpadding="0" border="0"><tbody><tr><td><table width="100%" cellspacing="0" cellpadding="0" border="0"><tbody><tr><td> </td><td>- A member’s total super balance at 30 June 2025 must be less than $2 million to access the standard non-concessional contributions cap. Note that the two lower total super balance thresholds that govern access to the non-concessional cap bring-forward rule in 2025–26 (currently $1.66 million and $1.78 million) are not yet known as they also depend on average weekly ordinary time earnings (AWOTE) data that will not be released until late February.</td></tr></tbody></table> </td></tr><tr><td><img src="https://cecollect.com/tl/space.gif" width="1" height="6" alt=""/></td></tr></tbody></table> </td></tr><tr><td><table width="100%" cellspacing="0" cellpadding="0" border="0"><tbody><tr><td><table width="100%" cellspacing="0" cellpadding="0" border="0"><tbody><tr><td> </td><td>- A member’s total super balance at 30 June 2025 must be less than $2 million to access the Government co-contribution.</td></tr></tbody></table> </td></tr><tr><td><img src="https://cecollect.com/tl/space.gif" width="1" height="6" alt=""/></td></tr></tbody></table> </td></tr><tr><td><table width="100%" cellspacing="0" cellpadding="0" border="0"><tbody><tr><td><table width="100%" cellspacing="0" cellpadding="0" border="0"><tbody><tr><td> </td><td>- For a client to receive a spouse contribution tax offset, the receiving spouse’s total super balance at 30 June 2025 must be less than $2 million.</td></tr></tbody></table> </td></tr><tr><td><img src="https://cecollect.com/tl/space.gif" width="1" height="6" alt=""/></td></tr></tbody></table> </td></tr><tr><td><table width="100%" cellspacing="0" cellpadding="0" border="0"><tbody><tr><td><table width="100%" cellspacing="0" cellpadding="0" border="0"><tbody><tr><td> </td><td>- The defined benefit income cap (currently $118,750) will increase to $125,000.</td></tr></tbody></table> </td></tr></tbody></table> </td></tr></tbody></table> </td></tr></tbody></table> </td></tr></tbody></table> </td></tr><tr><td><img src="https://cecollect.com/tl/space.gif" width="1" height="15" alt=""/></td></tr></tbody></table> <table width="100%" cellspacing="0" cellpadding="0" border="0"><tbody><tr><td><img src="https://cecollect.com/tl/space.gif" width="1" height="15" alt=""/></td></tr><tr><td><table width="100%" cellspacing="0" cellpadding="0" border="0"><tbody><tr><td><table width="100%" cellspacing="0" cellpadding="0" border="0"><tbody><tr><td><table width="100%" cellspacing="0" cellpadding="0" border="0"><tbody><tr><td><b>Further information</b></td></tr></tbody></table> </td></tr><tr><td><img src="https://cecollect.com/tl/space.gif" alt="" width="1" height="15"/></td></tr></tbody></table> </td></tr><tr><td><table width="100%" cellspacing="0" cellpadding="0" border="0"><tbody><tr><td><table width="100%" cellspacing="0" cellpadding="0" border="0"><tbody><tr><td>FirstTech will provide in an in-depth analysis in the coming weeks once the AWOTE data becomes available in late February.</td></tr></tbody></table> </td></tr></tbody></table> </td></tr></tbody></table> </td></tr><tr><td><img src="https://cecollect.com/tl/space.gif" width="1" height="15" alt=""/></td></tr></tbody></table> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-80a6f88d2d-item-e64355469d-header" data-title="18/12/2024 - Government releases MYEFO for 2024-25"> <div class="Accordion__ItemHeaderIcon"> <i class="iconfont-chevron-up" aria-hidden="true"></i> <i class="iconfont-chevron-down" aria-hidden="true"></i> </div> <div class="Accordion__ItemHeaderTitle p2">18/12/2024 - Government releases MYEFO for 2024-25</div> </button> <div class="Accordion__ItemPanel" id="accordion-80a6f88d2d-item-e64355469d-panel" role="region" aria-labelledby="accordion-80a6f88d2d-item-e64355469d-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="two-column-container-e64355469d" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--8 aem-Grid--default--8 aem-Grid--phone--8 "> <div class="responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--6 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div class="aem-Grid aem-Grid--6 aem-Grid--default--6 aem-Grid--phone--12 "> </div> </div> <div class="responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--6 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div class="aem-Grid aem-Grid--6 aem-Grid--default--6 aem-Grid--phone--12 "> </div> </div> <div class="text aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12"> <div id="text-7f15bf4e06" class="cmp-text"> <p> </p> <p>The Government has <a href="https://aus01.safelinks.protection.outlook.com/?url=https%3A%2F%2Fbudget.gov.au%2Fcontent%2Fmyefo%2Findex.htm&data=05%7C02%7Ckim.guest%40cfs.com.au%7C2ceffb98e2e24d592fb908dd1f041479%7C7384b0a5f18a43f48d60f71b7ba245b5%7C0%7C0%7C638700824569193551%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&sdata=vQS16eybSqP4CoEFjfjhoadi7ohZ3SX%2F1HY8u48s2U0%3D&reserved=0">released</a> the Mid-Year Economic and Fiscal Outlook (MYEFO) for 2024–25.</p> <p> </p> <p>The mid-year update restated a number of previously announced measures, including:</p> <p> </p> <ul><li>5 year window to commute legacy pensions</li><li>Introduction of payday super from 1 July 2026</li><li>Reforms to the retirement phase of super </li></ul> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-80a6f88d2d-item-f361116939-header" data-title="14/12/2024 - Legacy pension commutations: Government announcement on social security treatment"> <div class="Accordion__ItemHeaderIcon"> <i class="iconfont-chevron-up" aria-hidden="true"></i> <i class="iconfont-chevron-down" aria-hidden="true"></i> </div> <div class="Accordion__ItemHeaderTitle p2">14/12/2024 - Legacy pension commutations: Government announcement on social security treatment</div> </button> <div class="Accordion__ItemPanel" id="accordion-80a6f88d2d-item-f361116939-panel" role="region" aria-labelledby="accordion-80a6f88d2d-item-f361116939-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="two-column-container-f361116939" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--8 aem-Grid--default--8 aem-Grid--phone--8 "> <div class="responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--6 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div class="aem-Grid aem-Grid--6 aem-Grid--default--6 aem-Grid--phone--12 "> </div> </div> <div class="responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--6 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div class="aem-Grid aem-Grid--6 aem-Grid--default--6 aem-Grid--phone--12 "> </div> </div> <div class="text aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12"> <div id="text-7be01cbdff" class="cmp-text"> <p> </p> <p>The Assistant Treasurer, Stephen Jones issued a <a href="https://aus01.safelinks.protection.outlook.com/?url=https%3A%2F%2Fministers.treasury.gov.au%2Fministers%2Fstephen-jones-2022%2Fmedia-releases%2Fpathway-out-legacy-retirement-products%3Futm_source%3DASSISTANT%2BTSR%2B-%2BJones%26utm_campaign%3D81b8c1e169-EMAIL_CAMPAIGN_2024_12_13_05_23_COPY_02%26utm_medium%3Demail%26utm_term%3D0_-d4b4f615da-494266653&data=05%7C02%7Ckim.guest%40cfs.com.au%7Ca2f9cb3a30a74dbdf26608dd1e2bd085%7C7384b0a5f18a43f48d60f71b7ba245b5%7C0%7C0%7C638699895713060324%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&sdata=0MmPPEsECPXQH6ytgSTXmrUiBvkI51o0RlGNOHYRtNQ%3D&reserved=0">media release</a> on 14 December 2024 titled ‘A pathway out of legacy retirement products’.</p> <p> </p> <p>Regarding the social security treatment of legacy pension commutations, the media release states:</p> <p> </p> <p>“… social security treatment will not be preserved for those who choose to transition out of their legacy retirement product. However, no debts will arise from the re‑assessment of these products’ asset values for the period before conversion.</p> <p> </p> <p>Individuals who want to exit their legacy retirement product should consider seeking financial advice before taking action.”</p> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="textandbuttons aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2"> <div class=" TextAndButtons TextAndButtons--alignment-center"> <div class="container"> <div class="wrapper"> <div class="TextAndButtons__Buttons"> <div class="TextAndButtons__Button"> <a data-tracker-locationid="See all Latest News" href="/content/cfs-winged/au/en/adviser/firsttech/latest-news.html" data-theme="blue" class=" Button Button--theme-blue Button--type-outline "> <span class="Button__Label"> See all Latest News </span> </a> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> 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