Welcome to Australia’s independent super website
We regularly receive emails from readers concerned their employer has not paid their superannuation entitlements into their super fund, or wondering what they can do because their employer has gone broke.
The general rule when making super contributions is, if you are an employee, you can take advantage of the concessional (before-tax) contributions rules by salary sacrificing, while if you’re self-employed, you can take advantage of the concessional contributions rules by making tax-deductible super contributions.
A popular question from SuperGuide readers is: what is the best-performing super fund in Australia? Using the term ‘best’ is dangerous in any field because it involves some level of personal judgement...
The dilemma facing every government is managing what is known as ‘bracket creep’. In Australia, average income earners are rapidly moving into higher tax brackets due to wage increases reflecting cost of living adjustments, rather than wage increases (beyond inflation) that are generally linked to promotions or productivity increases.
How super works
Covers the most popular questions on how superannuation works, including how to find lost super, how much money is enough, and simple step-by-step superannuation guides.
Comparing super funds
Which super fund is most suitable for you? Find out how to compare funds, where to find the latest information on fund performance, and discover the important features of super funds.
Best performing super funds
Superannuation and Tax
Find out how your super is taxed, including what happens if you retire before the age of 60, how the earnings on your super savings are taxed, how your super contributions are taxed, and much more.
SMSFs (Self-managed super funds)
This section is for Australians running self-managed super funds, covering the current issues facing SMSF trustees, setting up, running and investing in your SMSF.
Retirement planning covers how much super is enough, planning for retirement, boosting your super, starting an income stream, claiming the Age Pension, and lots more.
Boost your super
Find out how much your employer must pay into your super fund, how much you can contribute, the tax-free bonus the Government gives you and other contribution strategies.
Superannuation contributions guides
Find out how to legally access your super, including what happens before the age of 60, or you move overseas, or you want to withdraw your super to cover your mortgage or other bills.
The must-read section of SuperGuide. These popular and compelling columns generate debate about issues affecting Australians planning for retirement, or living in retirement.
- Cashing in on the co-contribution rules (2016/2017 year) December 7, 2016
- Super concessional (before-tax) contributions: 2016/2017 survival guide December 7, 2016
- Your 2016/2017 guide to non-concessional (after-tax) contributions December 7, 2016
- Unpaid super: Should the ATO chase more slack employers? December 6, 2016
- Non-concessional contributions: 10 facts about new $100,000 cap December 6, 2016
- Anti-detriment payments banned from July 2017 December 6, 2016
- New $100,000 cap: Cut to non-concessional contributions cap December 5, 2016
- Superannuation contributions: Wearing two caps for 2016/2017 year December 5, 2016
- Bring-forward rule: 10 super facts you should know December 5, 2016
- Burden for retirees: Monitoring $1.6 million transfer balance cap December 5, 2016
- Super opportunity: Catch-up concessional contributions from July 2018 December 4, 2016
- Concessional contributions caps to be slashed from July 2017 December 4, 2016
- Superannuation death benefits and the $1.6 million transfer balance cap December 1, 2016
- Summary: 2016 Federal Budget superannuation changes now law December 1, 2016
- Financial advice: Only 78 independent financial advisers in Australia December 1, 2016