Women and super

Women and superannuation is a special section that includes articles that women may find of special interest, or deal specifically with issues affecting women such as: how much super is enough, how long can you expect to live, divorce, retirement planning in six steps and many more topics.

Set out below are all SuperGuide articles explaining Women and super.

Four reasons to buy insurance via your super fund

Choosing the right level of insurance cover within your super fund is one of the three big decisions you make when joining a fund, along with choosing your investment options, and deciding how much you want to contribute to your fund.I explain the types of insurance options available within your … [Read more...]

No tax in retirement because you SAPTO (updated rates)

This article is updated annually with new rates, or updated periodically to highlight changes (if any) to the Seniors & Pensioners Tax Offset (SAPTO) rules. This article includes SAPTO rates for the 2015/2016, 2014/2015, 2013/2014, and 2012/2013 years, and SATO rates for the 2011/2012, … [Read more...]

Age Pension: More Australians entitled to payments since September 2015

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...]

Are you eligible for a Commonwealth Seniors Health Card?

IMPORTANT: Effective since 20 September 2015, the government again indexed the income test thresholds for the CSHC (see this article for latest thresholds). The next indexation of the CSHC income thresholds takes place on 20 September 2016. Note that since 1 January 2015, new applicants for CSHC … [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: Income test thresholds from September 2015 (until March 2016)

Note: This article explains the latest Age Pension income test thresholds, applicable from 20 September 2015 until 19 March 2016. If you are seeking information on the latest Age Pension rates see SuperGuide article Age Pension: September 2015 rates now apply (until March 2016). If you’re looking … [Read more...]

Age Pension: Does my superannuation lump sum count for income test?

Q: I’m over 65 and a member of a super fund, from which I receive an account-based pension. I need to withdraw a lump sum of $40,000 from my super, as my super is not enough to live on. I will have to apply for a part pension (Age) from Centrelink. Will my lump sum be counted as income in the … [Read more...]

Does Trish Power offer personal financial planning advice?

Q: I have met many financial planners including 3 independent ones, but they don’t seem to know much and all said different things. They don’t seem to show interest and care for my retirement. I am a 61 year-old female and have no super. I need to do something fast. I am just a piano teacher and … [Read more...]

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

Note: This ‘Super for beginners’ article is more complex than other articles in the beginner series but the topic is very important. If you work variable hours over a week, a month or a year, or you are paid per task done, or kilometres driven, then I encourage you to continue reading.Q: How can … [Read more...]