Super for Beginners

Superannuation for Beginners articles are a great starting point for anyone beginning their superannuation journey, or beginning their super education.

You can find the answers to questions that you may have been afraid to ask, or not known to ask. You can also ask your own questions, which helps us build the Beginners section of SuperGuide, and helps our many thousands of readers.


Below are some of our key Super for Beginners articles:

Financial advice: Only 32 (10 + 13 + 9) independent financial advisers in Australia   Super Guide

This article is updated regularly when new financial advisers join the independence club. A financial adviser does not have to be a member of the IFAAA to join the SuperGuide list, provided they can declare that they satisfy the requirements of being an independent adviser.

Super for beginners, part 2: My first job   Super Guide

Question: I am 16 years of age. I still go to school but I have just started my first part-time job. Do I get any superannuation? And if I do, where does it go?

Super for beginners: Top 10 must know facts   Super Guide

The updated Top 10 must-know facts listed in this article are a handy guide for those seeking to understand how the super rules work, and the list also serves as a refresher for those readers who may be more familiar with the super rules.

Super for Beginners: 24 Q&As   Super Guide

One of SuperGuide’s more popular initiatives has been the development of a ‘Super for Beginners’ section that answers some of the many questions that we receive from those readers who are new to superannuation and new to super’s terminology.

Super for beginners, part 3: Why aren’t my super contributions tax free?   Super Guide

Q: I checked my statement and I put an extra $10 per week into my super and each time an amount is put in, it has been taxed. Is this right? I thought that my contributions were tax-free?

Super for beginners, Part 1: I’m new to Australia – help me!   Super Guide

Q: I’m new to Australia and I have absolutely no idea where to start with my super in order to have the best outcome 40 years from now.

Monkeys* stop women taking control of super   Super Guide

For so many women, the needs of other people usually come first — children, partner, parents, friends and even workmates. Often, for a woman to think about her own needs, she has to face a health challenge, financial stress or a relationship breakdown.

Set out below are all SuperGuide articles explaining Super for Beginners.

Super for beginners, part 11: Is my super fund good enough?   Super Guide

Q: I have my super with a major financial organisation. I’m wondering, are they a good company to be dealing with? I feel that their fees are a bit high: based on an investment amount of $300,000 the MER amount is $6,600 (2.2%) plus a monthly admin fee of $8.44. What are your thoughts on this matter?

Financial advice: Only 32 (10 + 13 + 9) independent financial advisers in Australia   Super Guide

This article is updated regularly when new financial advisers join the independence club. A financial adviser does not have to be a member of the IFAAA to join the SuperGuide list, provided they can declare that they satisfy the requirements of being an independent adviser.

Super for beginners, part 23: My pay changes every week. Am I paid the right super?   Super Guide

Q: How can I tell if my husband is being paid the correct amount of super into his fund by his employer. He is a truck driver and his wage varies from week to week.

Super for beginners, part 2: My first job   Super Guide

Question: I am 16 years of age. I still go to school but I have just started my first part-time job. Do I get any superannuation? And if I do, where does it go?

Super for beginners, part 18: My employer hasn’t paid my SG. What can I do?   Super Guide

Q: What steps can I take to ensure my employer contributes all I’m owed to my super fund? I’m a non-resident who has just been refused a visa to stay longer in the country.

Super for beginners, part 19: My employer has gone broke. What happens to my SG entitlements?   Super Guide

Q: My employer has suddenly ceased trading and despite appearing on weekly pay slips, I and fellow employees find no super contributions have been made, in my case for over 12 months. What, if any recourse, do we have?

Super for beginners, part 8: What happens to my super benefits when I retire?   Super Guide

Q: I have a superannuation fund accumulating (although I am no longer making super contributions). I am 52 and I intend retiring at age 60.

Super for beginners, part 15: Super tax – as easy as 1 2 3   Super Guide

Superannuation only exists because of how super savings are taxed. Superannuation savings receive tax incentives to encourage Australians to choose super as a retirement savings option.

Women and super: A worry free financial future in 6 steps   Super Guide

I have wanted to write a practical non-technical book for women on superannuation for a long time. The first question I was asked when I told some female friends was: ‘Why does there need to be a book on super especially for women?’

Super for beginners, part 17: Four must knows about super’s tax rules   Super Guide

If it were not for tax, superannuation wouldn’t exist. You would simply invest in your own name. Superannuation is taxed at lower rates to encourage people to lock their money away for retirement.