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 44 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 monkeys stop women creating a financially secure retirement   Super Guide

For so many women, the needs of other people usually come first — children, partner, parents, friends and even workmates.

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, 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: 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.

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

Financial advice: Only 44 independent financial advisers in Australia

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Note: This article is updated regularly when new financial advisers join the independence club (latest update December 2014). 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 … [Read more...]

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

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Q: I am trying to understand how my super is taxed and it seems that it is taxed at every turn. Can you please explain when, and how, a super benefit is taxed? A: If it were not for tax, superannuation wouldn’t exist. You would simply invest in your own name. Superannuation is taxed at lower … [Read more...]

Super monkeys stop women creating a financially secure retirement

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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. Too dramatic, perhaps? I don’t think so. The … [Read more...]

Super for beginners, part 22: How do you speak ‘superannuation’ (… in 20 words)?

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Many Australians find the stodgy language of superannuation confusing. The terminology associated with superannuation is a barrier to self-education and may deter some Australians from taking early steps to plan for retirement. Millions of Australians care about their super account even though they … [Read more...]

Super for beginners, part 14: Save tax – Supply TFN to your super fund

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Here’s a tip that can potentially save you thousands of dollars. Check that your super fund has your tax file number. If you joined a super fund before July 2007, or started your current job before July 2007, then your fund may not have your TFN. Effective since 1 July 2007, when you give your … [Read more...]

Super health check for beginners: 10 tips for your 2014/2015 retirement planning

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Note: This article is current for the 2014/2015 financial year. Near the start of each financial year, SuperGuide publishes an updated super checklist for beginner readers. More advanced checklists will follow in coming months. Use this list as a kick-start for your 2014/2015 super resolutions. … [Read more...]

Super for beginners: 8 steps to super success

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Merely thinking about your super means you’re straddling the first major hurdle that most Australians face when planning (or not) for their retirement and looking into your future. As an employee, you have your employer helping you with your retirement plans by making compulsory super … [Read more...]

Super for beginners: Top 10 must-know facts

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Nearly six years ago, in January 2009, we launched the SuperGuide website, and in March 2009 we published the first monthly SuperGuide newsletter. Since that time we have received thousands of questions, from our millions of visitors, on different aspects of superannuation. We try to represent as … [Read more...]

Accessing super early: 14 legal reasons to cash your super

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Many Australians are facing hard times, especially with structural change transforming our economy. The harsh reality is that mortgage repayments and everyday living expenses continue even when you when suffer redundancy, illness or other forms of misfortune. We receive hundreds of emails from … [Read more...]

Super for beginners, part 24: Do I have to withdraw my super when I turn 65?

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Q: I retired, sold my large house, downgraded, invested spare money and one month after I invested, I lost $50,000 just like that. I would like to know whether I can keep my super going beyond age 65, maybe to age 67 to help recoup my losses on my outside investment? A: I’m very sorry to read … [Read more...]