Hi Trendee Shares are taxed at 15% in a super fund but that is offset against the 30% franking credits , cash is also taxed at 15% but no offsets....remember in an allocated pension phase there is NO tax and the full 30% f/c is refunded to your super pension account... When you take your pension a proportion that you claimed a tax deducution for / govt sponsorred portion/employer portion etc is taxed at your normal tax rate , the other component which you put in after tax dollars receives a rebate which equates to no tax on that portion... At age 60 there in no tax at all within or taken out as a pension.. I think I used a Qsuper allocated pension calculator from their site which I found very useful... In a few months time let me welcome you to the great stress free environment you will enjoy... cheers Baxter
