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How much super do I need?

Set out below are all SuperGuide articles explaining How much super do I need?.

Super health check for beginners: 10 tips for your 2016/2017 retirement planning

Note: This article is current for the 2016/2017 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 2016/2017 super resolutions. … [Read more...]

Latest retirement deal! Lose Age Pension, receive Seniors Health Card

The stricter Age Pension assets test has now become law, although the changes won’t take effect until January 2017. The federal government predicts that more than 300,000 Australians will be worse off under the harsher assets test starting from 1 January 2017, with nearly 100,000 Australians losing … [Read more...]

Age Pension: More Australians entitled since September 2016, but lose from January 2017

In March, July and September of each year, the federal government changes the rules for claiming the Age Pension… for the better! Currently, the Age Pension income test and the Age Pension assets test are adjusted three times a year in line with increases in the Consumer Price Index.Effective … [Read more...]

Age Pension income test: Deeming rates and deeming thresholds

Note: This article explains the latest deeming rates and the deeming thresholds for the Age Pension income test. If you are seeking information about the latest increases in the thresholds for the Age Pension income test and Age Pension assets test see SuperGuide article Age Pension: More … [Read more...]

Age Pension: September 2016 rates now apply (until March 2017)

Note: This article explains the latest Age Pension rates, applicable until 19 March 2017. The Age Pension rates are indexed twice-yearly, with the next adjustment taking effect from 20 March 2017. If you are seeking information on the changes to the Age Pension assets test rules taking effect from … [Read more...]

Age Pension: Assets test thresholds applicable since September 2016

Note: This article explains the latest Age Pension assets thresholds, applicable from 20 September 2016. If you are seeking information on the latest Age Pension rates, see SuperGuide article Age Pension: September 2016 rates now apply (until March 2017). If you’re looking for information on the Age … [Read more...]

New income test rules mean less Age Pension

Note: This article explains the current Age Pension income test rules. (If you are seeking information on the changes to the Age Pension asset test rules taking effect from January 2017, then see the SuperGuide article Age Pension: 300,000-plus Australians to lose entitlements from January … [Read more...]

Age Pension: Income test thresholds applicable since September 2016

Note: This article explains the latest Age Pension income test thresholds, applicable since 20 September 2016. If you are seeking information on the latest Age Pension rates see SuperGuide article Age Pension: September 2016 rates now apply (until March 2017). If you’re looking for information on … [Read more...]

Superannuation Guarantee rate 9.5% for 2016/2017 year, and for 2017/2018 year

The Superannuation Guarantee rate remains at 9.5% for the 2016/2017 financial year, and again remains at 9.5% for the 2017/2018 financial year. The Superannuation Guarantee rate first increased to 9.5% from 1 July 2014 (the 2014/2015 year), and remained at 9.5% for the 2015/2016 year.Based on … [Read more...]

Superannuation Guarantee: 10 facts about your SG entitlements

Note: The Superannuation Guarantee rate for the 2016/2017 year is 9.5% (from 1 July 2016 to 30 June 2017). Effective since 1 July 2014, the SG rate increased to 9.5% (from the 9.25% that applied for the 2013/2014 year). The SG rate will now remain at 9.5% from 1 July 2014 through to 30 June 2021, … [Read more...]

Introducing SuperGuide’s Retirement Reckoner

Over the years, we receive many requests from readers seeking the magic lump sum amount needed to finance a worry-free lifestyle in retirement. In the many articles we have published on the topic, we have assumed certain rates of return, different retirement ages, different life expectancies, and in … [Read more...]

Investment returns after retirement matter: Understanding the 10/30/60 Rule

When Reserve Bank governor Glenn Stevens said ultra-low global interest rates were causing problems for people’s retirement planning, he wasn’t exaggerating. But few realise quite how big the problem is – especially for those already in retirement.Record low global interest rates and low … [Read more...]