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Taking a Redundancy

Where there were once jobs for life, it’s now a fact that the average person will face redundancy 3 times during their career. Along with looking for a new job or perhaps starting your own business or deciding to retire early, what do you do with the lump sum payout you receive?

Common questions to consider

Some questions you may wish to consider include:

  • What are the elements of my redundancy payment?
  • What is considered an Eligible Termination Payment (ETP)?
  • What tax concession do you receive on your ETP?
  • How is the ETP paid?
  • How do I make sure I get the most out of my payment?
  • What do I do with my super?
  • I’ve decided I want to roll over my ETP. What do I do?
  • Am I entitled to Centrelink benefits?
  • What if I want to use redundancy as an opportunity to retire early?
  • Do I need to review my insurance arrangements?

How we can help

We can:

  • Review your payout calculation.
  • Identify the tax concession components and the tax-free or tax reduced amounts – the Eligible Termination Payment components. Review your goals and identify options for how to use the money.
  • Calculate how much you can rollover into superannuation to minimise the total tax you pay.
  • Review any insurance you have through superannuation and advise if you can continue insurance cover even though you’ve left the fund.
  • Review any new insurance requirements that are necessary.
  • Estimate how long you can live on your payout based on current expenditure and plans.
  • Establish a budget to live on your payout and any other income.
  • Develop options to achieve a life change in the timeframe you want.

What to do next

If you want us to help you review your options contact us today.

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Tony Laycock

Accredited by AMP Financial Planning
PFG Financial Services Pty Ltd ABN 23 052 977 189 and PFG Global Pty Ltd ABN 50 679 416 839 trading as PFG Financial Services (Global) are Corporate Authorised Representatives and Credit Representatives of AMP Financial Planning Pty Limited ABN 89 051 208 327 Australian Financial Services Licence 232706 and Australian Credit Licence 232706. For further details including financial services we can offer you and how we are renumerated, please read the Financial Services & Credit Guide V 3.4 & PFG Global Pty Ltd Financial Services & Credit Guide V 3.2 General Advice Warning: This website contains general information only. It does not take into account your objectives, financial situation or needs. Please consider the appropriateness of the information in light of your personal circumstances.