Take full advantage of some of the simple tax effective strategies that are available to make the most of your money at the end of the financial year.

Get your financial affairs in order before 30 June and you may benefit from:

• Reducing your income tax
• Tax deductions
• Tax offsets
• The government co-contribution
• Cheaper insurance premiums

Here are some strategy guides to help you make the most of this financial year.

ING	Contributions splitting Splitting superannuation contributions may enable you to reduce your marginal tax rate.
ING	Personal deductible contributions Obtain a tax deduction on your personal deductible contributions to super.
ING	Government co-contribution Boost your retirement savings with help from the government’s co-contribution scheme.
ING	The Federal Government stimulus bonus Maximise the benefits from the 2009 Federal Government stimulus bonus.
ING	Insurance through superannuation Purchase insurance through your super and gain a tax benefit.
ING	Salary sacrifice Salary sacrifice to save for retirement and reduce your tax bill.
ING	Spouse contributions Contribute to your spouse’s superannuation, benefit from tax savings and save for retirement together.
ING	Transition to Retirement opportunities Retire with a better future
MLC	Smart Strategies for your Super 2009 Boost savings and minimise tax via salary sacrifice Divert cashflow from your home loan into super Grow your super without reducing your income Split your way to a better retirement Invest non-super money in super Top-up your super with help from the Government Contribute to super and offset Capital Gains Tax Purchase Life and Total and Permanent Disability insurance tax-effectively Convert business capital into tax-free retirement beneftis