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.

Superannuation tax refund: 10 things you should know

NOTE: The Low Income Super Contribution for low-income earners is available until the 2016/2017 financial year (until 30 June 2017). Originally, the Coalition government planned to repeal the LISC after one year of operation, that is, it was expected to only apply for the 2012/2013 year. Due to … [Read more...]

Life insurance: One in five parents will die early, or be too sick to work

On average, Australians enjoy long lives but the flipside of that equation is that some people die young, and many of those who die young are parents.One in five parents will become too sick or injured to work, or will die before retirement age, according to a disturbing report released during … [Read more...]

SMSFs must consider life insurance needs

Q: I am a self-employed businessman with my own SMSF. I would like to know if I can arrange insurance (s), for example, death cover etc through my fund with the premiums paid from the fund. Could you recommend any companies that may supply these services?The short answer to your first question … [Read more...]

SMSFs: If I die young, will my wife pay super tax on the life insurance payout?

Q: I have a life insurance policy owned by my SMSF worth approximately $2 million. Currently there is only about $80,000 accumulated in the fund. I am 40 years old. If I die tomorrow is my wife able access an income stream from the fund tax-free? For instance, upon my death if this $2 million was … [Read more...]

Life insurance and super: 10 things you should know

One of the better deals in superannuation has only a slight connection to your life in retirement. Life insurance cover within super funds rarely makes the headlines but for many Australians they are getting cost-effective cover from their super funds.Life insurance is insurance that pays out in … [Read more...]

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...]