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SuperGuide – Superannuation and retirement planning information

Supercharge your retirement savings

Join thousands of Australians who are taking control of their superannuation and making their retirement goals a reality.

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Latest features

Consider these two risks before you start a super pension

Consider these two risks before you start a super pension

Market volatility and economic uncertainty can wreak havoc with retirement plans, so it’s important to develop strategies to ensure your savings last the distance.
Your 2024 SMSF calendar

Your 2024 SMSF calendar

Forewarned is forearmed, as they say, so why not download our 2024 SMSF calendar to ensure you don’t miss any crucial dates, deadlines or opportunities in the year ahead.
Super fund performance: Monthly returns to October 2023

Super fund performance: Monthly returns to October 2023

Super funds suffered a third straight month of negative returns in October, but Chant West estimates the median growth fund will return around 6.5% in calendar 2023. That would be a pleasing result given the current investment environment.
Super news for November 2023

Super news for November 2023

ASIC ramps up compliance action, AustralianSuper to vote against Origin offer, and super balances less than comfortable.
Super funds of the year awards: Best super funds for 2023–24

Super funds of the year awards: Best super funds for 2023–24

UniSuper continued its award-winning run, winning Fund of the Year for the eighth time in a little over a decade at the recent SuperRatings awards night.
Pension funds of the year 2023–24: What makes a winner?

Pension funds of the year 2023–24: What makes a winner?

Innovation has been slow at the retirement end of superannuation, which makes it even more important to search for a pension fund that will make your retirement as smooth as possible. Awards aren’t everything, but they do put a spotlight on industry best practice.
The sprint finish: How to boost your super before retirement

The sprint finish: How to boost your super before retirement

If you’ve left building retirement savings a little late, these four options could provide the boost you need to get your balance on track.
How lump sums can reduce your transfer balance account

How lump sums can reduce your transfer balance account

If you are considering taking more than the minimum amount from your super pension account, the way you do it counts.
Super news for October 2023

Super news for October 2023

The Federal Government has opened consultation on payday super and introduced draft legislation for its new super tax.

How super works

Your tax guide to accessing your super under age 60

Your tax guide to accessing your super under age 60

Superannuation rule changes from July 2023 (and previous years)

Superannuation rule changes from July 2023 (and previous years)

How superannuation is taxed: Super for beginners guide

How superannuation is taxed: Super for beginners guide

Your tax guide to accessing your super over age 60

Your tax guide to accessing your super over age 60

Making superannuation contributions: Super for beginners guide

Making superannuation contributions: Super for beginners guide

In your 50s? The super rules that apply to you

In your 50s? The super rules that apply to you

Superannuation Guarantee contributions rate and rules

Superannuation Guarantee contributions rate and rules

How superannuation works: Super for beginners guide

How superannuation works: Super for beginners guide

Transfer balance cap (TBC) for super pensions: How it works

Transfer balance cap (TBC) for super pensions: How it works

Super rules Contributing to super Accessing super Super and tax Super tips and strategies
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Becky Soans

“An excellent source to use for retirement planning.”

Rick McClusky

“High quality, in-depth analysis and guidance on superannuation strategies.”

David Moroney

Super funds

Super fund performance: Monthly returns to October 2023

Super fund performance: Monthly returns to October 2023

Super and pension fund performance: Where does your fund rank?

Super and pension fund performance: Where does your fund rank?

Super funds of the year awards: Best super funds for 2023–24

Super funds of the year awards: Best super funds for 2023–24

10 points to check on your annual super fund statement

10 points to check on your annual super fund statement

Best performing pension funds: Balanced category (41–60%)

Best performing pension funds: Balanced category (41–60%)

Super fund performance over 31 financial years (to June 2023)

Super fund performance over 31 financial years (to June 2023)

Super fund fees and charges you need to know about

Super fund fees and charges you need to know about

How to read a super fund PDS

How to read a super fund PDS

How super fund fees impact your net returns

How super fund fees impact your net returns

Super investing strategies Best performing super funds Best performing pension funds

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 not funded by a financial organisation or the government, so have no hidden agenda. You can trust our unbiased guides to help you maximise your retirement savings.

We’re experts

Our team of superannuation 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 exhaustive library of over 500 fact-checked resources and articles, SuperGuide has everything you need to navigate the complexities of superannuation and retirement.

SMSFs

Your 2024 SMSF calendar

Your 2024 SMSF calendar

SMSF investment: 20 most popular Australian shares

SMSF investment: 20 most popular Australian shares

SMSFs: What advice can your accountant provide?

SMSFs: What advice can your accountant provide?

Writing your SMSF investment strategy (including templates)

Writing your SMSF investment strategy (including templates)

SMSF compliance: What are trustees’ responsibilities?

SMSF compliance: What are trustees’ responsibilities?

SMSFs: How to start a pension

SMSFs: How to start a pension

SMSF reporting and record-keeping requirements

SMSF reporting and record-keeping requirements

SMSF annual admin checklist

SMSF annual admin checklist

Which asset classes are popular with SMSFs?

Which asset classes are popular with SMSFs?

SMSF for beginners SMSF investing SMSF pensions SMSF strategies SMSF checklists

Retirement planning

How to plan for your retirement

How to plan for your retirement

What age should I retire?

What age should I retire?

Financial advice through super funds: What’s on offer?

Financial advice through super funds: What’s on offer?

How much super do I need to retire?

How much super do I need to retire?

How a transition-to-retirement pension works

How a transition-to-retirement pension works

What to consider if you plan to retire this year and start a super pension

What to consider if you plan to retire this year and start a super pension

What to do if the market tanks and you’re retired, or close to it

What to do if the market tanks and you’re retired, or close to it

Countdown to retirement: Tips to help kickstart your retirement plans

Countdown to retirement: Tips to help kickstart your retirement plans

Is $500,000 in super enough to retire on?

Is $500,000 in super enough to retire on?

Getting started Retirement planning strategies Case studies Retirement calculators Preparing for retirement

Make your retirement goals a reality

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In retirement

What concession cards are available for seniors and pensioners?

What concession cards are available for seniors and pensioners?

Commonwealth Seniors Health Card: Eligibility and how to apply

Commonwealth Seniors Health Card: Eligibility and how to apply

Age Pension calculator (September 2023 update)

Age Pension calculator (September 2023 update)

Age Pension rates (September 2023 to March 2024)

Age Pension rates (September 2023 to March 2024)

How does your super affect the Age Pension?

How does your super affect the Age Pension?

Starting a pension from your super

Starting a pension from your super

Minimum pension drawdown rates and calculator

Minimum pension drawdown rates and calculator

Am I eligible for the Age Pension?

Am I eligible for the Age Pension?

How to maximise your Age Pension

How to maximise your Age Pension

Income from super Age Pension Work and other income Seniors concessions Estate planning

Popular features

  • Calculators & reckoners
  • Video
  • How-to guides
  • Strategies
  • Webinars
  • Q&As
Age Pension calculator (September 2023 update)

Age Pension calculator (September 2023 update)

Deeming rates (and calculator) for the Age Pension income test

Deeming rates (and calculator) for the Age Pension income test

How to take advantage of the increased Transfer Balance Cap (including calculator)

How to take advantage of the increased Transfer Balance Cap (including calculator)

Minimum pension drawdown rates and calculator

Minimum pension drawdown rates and calculator

Income tax calculator (2023-24 and 2022-23)

Income tax calculator (2023-24 and 2022-23)

Super to income reckoner

Super to income reckoner

How to choose a pension fund

How to choose a pension fund

How to use the Moneysmart Retirement Planner

How to use the Moneysmart Retirement Planner

SMSF pensions: Planning your pension properly

SMSF pensions: Planning your pension properly

What is a Longevity Plan, and how do they work?

What is a Longevity Plan, and how do they work?

How can you plan your income needs in retirement?

How can you plan your income needs in retirement?

Financial advisers give tips on preparing for retirement

Financial advisers give tips on preparing for retirement

How do tax-deductible superannuation contributions work?

How do tax-deductible superannuation contributions work?

How myGov can help you keep track of your super

How myGov can help you keep track of your super

How to read a super fund PDS

How to read a super fund PDS

How to compare super funds in 7 easy steps

How to compare super funds in 7 easy steps

How to boost your spouse’s super

How to boost your spouse’s super

How to find your lost super

How to find your lost super

Transition-to-retirement strategies

Transition-to-retirement strategies

Saving for retirement outside super

Saving for retirement outside super

The sprint finish: How to boost your super before retirement

The sprint finish: How to boost your super before retirement

How much super do I need if I don’t own a home?

How much super do I need if I don’t own a home?

Women and super part 2: Strategies to boost your super in the lead up to retirement

Women and super part 2: Strategies to boost your super in the lead up to retirement

How to measure the financial impact of delaying retirement

How to measure the financial impact of delaying retirement

SuperGuide members Q&A: December 2023

SuperGuide members Q&A: December 2023

Navigating the aged care system

Navigating the aged care system

Transition-to-retirement pensions: Strategies and benefits

Transition-to-retirement pensions: Strategies and benefits

SuperGuide members Q&A: September 2023

SuperGuide members Q&A: September 2023

Women’s super: Closing the gap

Women’s super: Closing the gap

An introduction to SMSFs

An introduction to SMSFs

Q&A: What to consider with unused concessional contribution tax claims?

Q&A: What to consider with unused concessional contribution tax claims?

Q&A: Can I do contribution splitting if I live overseas?

Q&A: Can I do contribution splitting if I live overseas?

Q&A: What are the pros and cons of starting an account-based pension vs investing outside super?

Q&A: What are the pros and cons of starting an account-based pension vs investing outside super?

Q&A: I have over $3m in super so should I now consider a recontribution strategy?

Q&A: I have over $3m in super so should I now consider a recontribution strategy?

Q&A: What are the pros and cons of entering pension phase with accumulated losses for capital gains?

Q&A: What are the pros and cons of entering pension phase with accumulated losses for capital gains?

Q&A: Can I benefit from the increased transfer balance cap if I’ve already started a pension?

Q&A: Can I benefit from the increased transfer balance cap if I’ve already started a pension?

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SuperGuide is Australia’s leading superannuation and retirement planning website.

Superguide Pty Ltd ATF Superguide Unit Trust as a Corporate Authorised Representative (CAR) is a Corporate Authorised Representative of Independent Financial Advisers Australia, AFSL 464629.

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All information on SuperGuide is general in nature only and does not take into account your personal objectives, financial situation or needs. You should consider whether any information on SuperGuide is appropriate to you before acting on it. If SuperGuide refers to a financial product you should obtain the relevant product disclosure statement (PDS) or seek personal financial advice before making any investment decisions.

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