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.

Women and super: A worry-free financial future is possible

Before I wrote Super Freedom: A woman’s guide to superannuation, I had often discussed the need for a practical non-technical book for women on superannuation. The first question I was asked when I told some female friends that I was writing a book for women on superannuation and retirement was: … [Read more...]

Financial freedom: Retirement planning in six steps

How much money do you need in retirement to live a lifestyle free of everyday money worries? For many Australians, this means a lifestyle where you can pay your bills without financial stress, you can enjoy an occasional holiday (or many!), you can maintain your car and house, and you can buy gifts … [Read more...]

What are the super and retirement rules for over-65s?

Q: My wife (age 63) and myself (age 65) were told by a financial organisation that at 65 or over I could put money into super, pay 15% tax on the way in, and then draw it out when I wished and pay no tax. In fact I have been told to pay myself $30,000 or less and source the rest of my income through … [Read more...]

Want to make 50% return on your super money?

If you earn less than $50,000 or so a year, or your spouse or children earn less than $50,000 or so a year, then you, or your spouse, or child, have a window of opportunity within the next few weeks (by June 2016) to potentially make a 50% return on your money when you make an after-tax super … [Read more...]

SMSF basics: To DIY or not to DIY?

Q: Six months ago, my wife and I started a self-managed super fund. We pay a flat fee to have it administered on our behalf. All the assets in the fund at this stage are my rollovers. I am also in the PSS (a public sector fund) and my wife has a small amount in an industry fund, where she … [Read more...]

Financial advice: Only 76 independent financial advisers in Australia

Note: This article is updated regularly when new financial advisers join the independence club (latest update March 2016). 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...]

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...]

Age Pension: More Australians entitled to payments since March 2016

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...]