SuperGuide – Superannuation and retirement planning information
Latest features
Superannuation rule changes from July 2025 (and previous years)
Navigating your way around the constant rule changes in the super system is tricky, so here’s our annual list of the modifications you need to know about.
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Division 296: How the new super tax works (including calculator)
Under Division 296, individuals with superannuation balances above $3 million will face additional tax on their investment earnings. Find out how you could be affected (now and in the future).
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Key superannuation rates and thresholds for 2025-26
A new financial year brings updated thresholds for a range of super measures. Take a look at the new numbers to check for opportunities.
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Deeming rates (2025-26) and calculator for the Age Pension income test
Under the deeming rules, you are ‘deemed’ to earn a certain annual rate of return on your financial assets, regardless of the rate of return you actually earn.
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What to do if your employer doesn’t pay your super
Chasing your unpaid super contributions can be difficult but there are things you can do to get the money you’re owed and ensure your super account keeps growing.
Downsizer super contributions: Rules and eligibility
Eligible downsizer contributions can be a great way to boost your super without falling foul of many of the rules affecting other super contributions.
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Starting a pension from your super
When you retire there’s more than one way to withdraw income from your super; we explain your options.
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Five common financial mistakes SMSF trustees make just before retirement
There’s a lot to think about when you’re on the threshold of retirement, so it’s not surprising that mistakes are made and opportunities overlooked. Here’s what to watch out for.
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What strategies can I consider to reduce tax on a super pension paid from my SMSF?
When and how you withdraw income from your super in retirement can have significant tax benefits.
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How super works
Superannuation rule changes from July 2025 (and previous years)
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Key superannuation rates and thresholds for 2025-26
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In your 50s or younger? The super rules that apply to you
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A super guide to the bring-forward rule
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Transfer balance cap (TBC) for super pensions: How it works
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YOUR TRUSTED, INDEPENDENT SUPERANNUATION GUIDE
Super funds
Super fund performance: Monthly returns to May 2025
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How super fund fees impact your net returns
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Best performing pension funds: Balanced category (41–60%)
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Super fund performance over 32 calendar years (to December 2024)
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Make the switch to a top performing super fund
Compare more than 50 Australian super funds for free, including multi-year returns and fees
SMSFs
SMSFs: How to start a pension
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TBAR: Transfer balance account reporting for SMSFs
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SMSF reporting and record-keeping requirements
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Writing your SMSF investment strategy (including templates)
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SMSFs: What are the lump sum withdrawal rules?
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SMSF investment: 20 most popular ETFs
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How to boost your SMSF balance with contributions reserving
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What makes SuperGuide different
For the last 15 years we’ve been uniquely placed to help Australians make the most of their superannuation and achieve their retirement goals
We’re independent
We’re funded by you, our members, so have no hidden agenda. You can trust our unbiased guides to help you maximise your retirement savings.
We’re experts
Our team of super and finance experts share insights and simple steps you can make to take control of your super and achieve your retirement goals.
We’re comprehensive
With an extensive library of easy-to-follow guides, SuperGuide has everything you need to navigate the complexities of super and retirement.
Retirement planning
How a transition-to-retirement (TTR) pension works
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Planning to retire this year and start a super pension? Here’s what to consider
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Retirement income rules of thumb: Do they measure up?
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How long you can expect to live and what it means for your super
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Make your retirement goals a reality
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In retirement
Minimum pension drawdown rates (2025–26) and calculator
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Starting a pension from your super
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Common ‘myth-conceptions’ about retirement income
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How to maximise your Age Pension
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Can I return to work after I access my super?
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Popular features
Webinar: The Recontribution strategy: Opportunities and strategies to get the best outcomes
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Webinar: SuperGuide members Q&A: June 2025
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Webinar: 2025 year-end superannuation tips and traps
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Webinar: When can I access my super? All conditions of release explained
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Deeming rates (2025-26) and calculator for the Age Pension income test
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Minimum pension drawdown rates (2025–26) and calculator
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How to boost your spouse’s super balance (including calculator)
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How do tax-deductible superannuation contributions work?
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How to make your super more socially aware
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Q&A: What to consider with unused concessional contribution tax claims?
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Q&A: I have over $3m in super so should I now consider a recontribution strategy?
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Q&A: What are the pros and cons of entering pension phase with accumulated losses for capital gains?
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Q&A: I’m over 75. Can I make a super contribution?
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