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.

Salary-sacrificed contributions count for Family Tax Benefit

Q: I was wondering what you know about salary sacrifice super being included in Family Tax Benefit family income calculations?A: Since 1 July 2009, salary sacrificed super contributions have been included when assessing income for the Family Tax Benefit (FTB). The income test used for the FTB is … [Read more...]

Super contributions: Turning 65 part-way through the year

Q: I turn 65 in February 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 February 2016. My understanding is that because I will be under 65 for part of the 2015/2016 financial year then I … [Read more...]

Making super contributions: 20 popular Q and As

We receive many interesting questions from readers. We believe this contact with our readers makes our SuperGuide site even more useful for readers because we enhance the SuperGuide website in response to the popularity of certain articles and topics, and in response to the types of questions that … [Read more...]

Salary sacrificing will not increase co-contribution entitlement

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...]

Contributions caps relate to financial years, not calendar years

Q: I understand the three-year bring-forward rule that allows you to contribute up to $540,000 in after-tax contributions. My question is: What date does the second three-year period start? For example, if I contributed $540,000 on 28 Dec 2015, does that mean I can contribute another $540,000 on or … [Read more...]

Financial advice for super: Is it worth the money?

You don’t have to get advice when choosing super funds, or when considering making extra super contributions, or for any other financial matters. If you do want advice however, do some research on reputable advisers.Advisers deserve to be paid for providing advice but you have to decide how you … [Read more...]

Help! How can we find independent financial advice?

Q: My husband and I are looking to start a SMSF. We have been able to find sources for the set up, accounting and audit of the fund and are now looking for assistance on the investment portfolio. We have a share portfolio outside super and so we have some knowledge in the area but do not feel … [Read more...]

How to spot an independent financial adviser

Note: SuperGuide originally published this article about five years ago, but the topic remains highly relevant for readers today. We have updated the original article with information on the legal definition of ‘independence’ and the IFAAA’s version of independence.Every week I receive emails … [Read more...]

Divorce and superannuation: Who gets what?

Q: I am at the end of a divorce/property settlement. My ex has agreed to give me my share of his super. Does this have to go into a superannuation fund or can he transfer it to me in some other way? And can you please explain how super should be treated when a divorce happens, because it has been … [Read more...]

SMSFs: Is DIY super right for you?

Running your own super fund is not necessarily a difficult task but you need to keep your wits about you. You may hear a lot a noise about DIY super, and sometimes from people who know nothing about super. Your best defence against bad advice is to start with your own research.The term, DIY … [Read more...]