Superannuation and Retirement Applications (SRA) case studies
Superannuation and Retirement Applications (SRA) · Put your knowledge to work in context.
The Superannuation and Retirement Applications (SRA) exam is a professional assessment for people who work with Australian superannuation and retirement outcomes - paraplanners, adviser support staff, fund administrators, and compliance officers moving into advice-facing roles. It tests whether you can apply the rules rather than merely recite them: how the regulatory architecture constrains a recommendation, how contributions and caps interact with a client's circumstances, how retirement income streams are structured and taxed, and how age pension entitlements respond to a given strategy. The seven domains are weighted unevenly, with retirement income streams and pensions carrying the largest share, followed by the accumulation phase, taxation, retirement planning application, and the framework, social security and compliance domains. Expect scenario-style multiple-choice items that require a calculation or a judgement, not just a definition. The Superannuation and Retirement Applications (SRA) case studies are 5 cases and about 2,630 words.
1The Salary Sacrifice Squeeze
Priya is 47 and earns 185,000 as a public hospital anaesthetist. Her employer contributes 12.5% of her 180,000 base salary to a defined contribution fund, and she also salary sacrifices 20,000 per year.
614 words, about 3 min2The Account-Based Pension Drawdown Dilemma
Ken is 68, single, and retired. He has 900,000 in an account-based pension and 120,000 in cash outside super.
565 words, about 3 min3The SMSF Related-Party Property Purchase
An SMSF with two members, both in accumulation, has 1.2 million in assets: 700,000 in listed shares and 500,000 cash. The trustees want to buy a 650,000 commercial warehouse from the sister of one member at market value, funded by cash plus a limited recourse borrowing arrangement.
520 words, about 3 min4The Transition to Retirement Double-Dip
Margaret is 58, still working full-time, and earns 140,000. She has 800,000 in super and wants to start a transition to retirement (TTR) income stream to 'salary sacrifice more and pay less tax'.
496 words, about 2 min5The Pensioner's Granny Flat Contribution
Ron, 74, receives the full Age Pension. He owns his home worth 650,000 and has 180,000 in the bank.
435 words, about 2 min