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.

Same-sex couples: your super rights explained

Same sex super rights

The Australian parliament has decided that it was not the right time to allow same sex couples to marry, and more recently we have elected a Prime Minister who has publicly stated that he feels uncomfortable around homosexuals. We have a new government with a leader who is personally against … [Read more...]

Why women have to save more super

Women superannuation

When we first launched SuperGuide nearly 6 years ago, I wrote an article explaining why tax-free super in retirement is a non-issue for most women. The reason for making this statement, and which remains valid 6 years later, was that women, on average, have such low super account balances that the … [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...]

Are you eligible for a Commonwealth Seniors Health Card?

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IMPORTANT: The government has indexed the income test thresholds for the CSHC, effective from September 2014. The income test thresholds will be now indexed annually from September of each year.WARNING: From 1 January 2015, new applicants for CSHC will need to include tax-free superannuation … [Read more...]

Retirement: Can Australia afford to support your lifestyle?

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Are you planning to support yourself over a 30-year or even 40-year retirement or do you think Australia can afford to finance your retirement? The superannuation industry and the federal government continues to grapple with this issue, that is, whether Australia will continue to be in a position to … [Read more...]

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 November 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...]

Four reasons to buy insurance via your super fund

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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 insurance options available within your super fund … [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...]

Salary sacrificing will not increase co-contribution entitlement

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Q: I understand salary-sacrificed super contributions must be added back in to assessable income for co-contribution purposes. Do you know anything about this?Yes, your understanding is correct. Salary sacrificed contributions count towards the co-contribution income test, and this has been the … [Read more...]

I’m retired. Can I make super contributions?

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Q: If I have retired from work and later on inherit a reasonable sum of cash, can I make a non-concessional contribution into my superannuation fund? OR is that only permitted while I am working, regardless of my age?A: For the benefit of other readers, I will first explain the meaning of a … [Read more...]