Retirement planning

Retirement planning covers how much superannuation is enough, planning for retirement, starting an income stream, claiming the Age Pension, making contributions while receiving a pension from a super fund, estate planning and looking after your family.


Below are some of our key Retirement Planning articles:

Set out below are all SuperGuide articles explaining Retirement planning.

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.

Superannuation rates and thresholds for 2014/2015 year   Super Guide

For the 2013/2014 year, the concessional contributions caps for over-60s has jumped to $35,000, while the concessional cap for everyone else remains at $25,000.

Temporary concessional contributions cap expanded to 50 somethings from July 2014   Super Guide

In July 2013, the federal government introduced a temporary concessional contributions cap of $35,000 for over-60s which has been expanded to 50-somethings from July 2014.

Q: Where do I go to find a calculator that helps me work out how much co-contribution I will be entitled to, and how much super I need to contribute to get that co-contribution?

Higher concessional contributions cap applies to over 50s from July 2014   Super Guide

Q: Do you need to be 60 at July 1 or could you turn 60 any time in 2013/2014 to take advantage of the new $35,000 cap?

Cashing in on the co contribution rules (2014/2015 year)   Super Guide

The federal government is giving away money to anyone who makes a non-concessional (after-tax) contribution to their super fund, and who earns less than $49,488 a year (for the 2014/2015 year). The tax-free giveaway is officially called the co-contribution scheme.

Super concessional contributions: 2014/2015 survival guide   Super Guide

Superannuation contributions can be divided into two types — concessional (before-tax) and non-concessional (after-tax). Each type of super contribution is subject to a contributions cap.

Your 2014/2015 guide to non concessional (after tax) contributions   Super Guide

Non-concessional contributions are more popularly known as after-tax contributions. Such contributions are subject to a contributions cap, which sets a limit on the amount of after-tax contributions that you can make in one year.

Australian income tax rates for the 2014/2015 year, (and for 2013/2014 year)   Super Guide

The tax rates applicable for the 2014/2015 year and future years are set out in the tables below. We have also included the tax rates for the 2013/2014, 2012/2013 and 2011/2012 years (including the low-income threshold for the Medicare levy) at the end of the article, for your reference and convenience.

Double contributions tax for high income earners   Super Guide

Anyone earning more than $300,000 (including rental property losses and other items) now pays 30% tax on concessional contributions paid into a super fund, doubling the super tax bill for high-income earners. The regular contributions tax is a flat rate of 15%.