Gemma Dale

speaker
925 appearances 2 recordings 2 series first heard Jun 2026 last heard 18 Jun

Gemma Dale’s voice in public audio — every appearance, attributed to the second.

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recordings per month · last 12 months
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Recordings per month over the last 12 months — 2 in all, peaking in Jun 2026 with 2.

Appearances

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The Money Puzzle · What women need to know about super · 4 Jun 2026 podcast
And one of you has $6 million and one of you has nothing.
That doesn't make any sense.
Yeah.
So equalization is way back in vogue.
It also made much more sense from an estate planning perspective, but we'll leave that because it's quite a complicated subject.
So a couple of things you can do.
One is prioritize contributions to the lower holding spouse, which tends to be the woman.
You can do splitting of your contributions.
So you can split 85% of the contributions.
That's the after-tax amount because remember we pay 15 cents in the dollar to the ATO for a pre-tax contribution that goes in.
You can split that to your spouse's account.
So you could, if you're a man,
having your $30,000 a year going in, split 85% of that to just the post-tax amount over to your spouse's account.
And so you're therefore building up her account to equalize and it benefits both of you over time if you're coming closer to those thresholds and the transfer balance caps and all the other limits now that are
Yeah, really reducing the attractiveness for people who are trying to get very large balances.
And there's also a spouse contribution at the very low end where you get a $550 or $540 tax offset, which is not going to change anyone's life, but for a contribution.
I think maybe... Everyone wants $540 back from the tax office, so it's fine.
You could try that too.
But you have a very low-income earning spouse again in that scenario.
Yeah, there was a period of about 10 years where everyone decided, maybe longer actually, you know, the equalization just wasn't that important because it was tax-free super once you hit 60 and you could make tax-free withdrawals and there were just no limits.
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