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.

Age Pension: Deemed income falls from 1 July 2015 with higher thresholds

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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 Age Pension payment rates see SuperGuide article ‘Age Pension: March 2015 rates now apply’. If you are seeking information on the changes … [Read more...]

Age Pension: More Australians entitled to payments from 1 July 2015

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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 income test are adjusted three times a year in line with increases in the Consumer Price Index. Effective … [Read more...]

Age Pension: Income test thresholds from 1 July 2015

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Note: This article explains the latest Age Pension income test thresholds, applicable from 1 July 2015 until 19 September 2015. If you are seeking information on the latest Age Pension rates see SuperGuide article Age Pension: March 2015 rates now apply. If you are seeking information on the  … [Read more...]

Transition-to-retirement pension: Can I work full-time and what form do I fill in?

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Q: Your website says: “By starting a TRIP, you don’t have to retire to withdraw your super benefits. You can work part-time or full-time or even casually.” But on the TRIP form I have from my super fund it says I have to be permanently retired or be working part time. Which is correct? I can’t see … [Read more...]

TRIPs: 10 interesting facts about transition-to-retirement pensions

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Note: The general concessional contributions cap remains at $30,000 (for the 2015/2016 year, and also applies for the 2014/2015 year). The special $35,000 cap for over-50s continues to apply for the 2015/2016 year (or more specifically, to anyone who is aged 49 years or over on 30 June 2015). If … [Read more...]

SMSF: How much does a DIY super fund cost? (updated figures)

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Note: Article updated in June 2015, and enhanced with an extra table outlining fees for small and large SMSF account balances. This Q&A includes the latest SMSF cost data released in December 2014 by the ATO, and selected cost data released by ASIC in September 2013. The next SMSF cost update is … [Read more...]

Super contributions: Turning 65 part-way through the year

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Q: I turn 65 in January 2016. So I will be 64 years of age for a large part of the 2015/2016 financial year, but of course I turn 65 during the 2015/2016 financial year, that is, in January 2016. My understanding is that because I will be under 65 for part of the 2015/2016 financial year then I can … [Read more...]

Financial advice: Only 60 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 June 2015). 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 … [Read more...]

Are you eligible for a Commonwealth Seniors Health Card?

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IMPORTANT: Since 1 January 2015, new applicants for CSHC need to include tax-free superannuation income when assessing CSHC eligibility. Effective from September 2014, the government indexed the income test thresholds for the CSHC. The income test thresholds will be now indexed annually from … [Read more...]