SuperGuide – Superannuation and retirement planning information
Latest features
How super works
![Key superannuation rates and thresholds for 2024-25](https://www.superguide.com.au/wp-content/uploads/rules_55302697_c.jpg)
![Superannuation rule changes from July 2024 (and previous years)](https://www.superguide.com.au/wp-content/uploads/2024/07/changes_375174034_c.jpg)
![Superannuation Guarantee contributions rate and rules](https://www.superguide.com.au/wp-content/uploads/2019/02/writing-2-c.jpg)
![In your 50s or younger? The super rules that apply to you](https://www.superguide.com.au/wp-content/uploads/2022/07/50s_couple_70978537_c-120x68.jpg)
![When can I access my super? All conditions of release explained](https://www.superguide.com.au/wp-content/uploads/Safe_10711566_c-120x68.jpg)
![Your tax guide to accessing your super under age 60](https://www.superguide.com.au/wp-content/uploads/2020/07/Depositphotos_4756818_original-c-120x68.jpg)
![How superannuation is taxed: Super for beginners guide](https://www.superguide.com.au/wp-content/uploads/Taxed_4354843_c-120x68.jpg)
![Making superannuation contributions: Super for beginners guide](https://www.superguide.com.au/wp-content/uploads/2020/01/Calculator_3369839_c-120x68.jpg)
![How superannuation works: Super for beginners guide](https://www.superguide.com.au/wp-content/uploads/Guide-for-beginners_2434918_c-120x68.jpg)
Super funds
![Super fund performance over 32 financial years (to June 2024)](https://www.superguide.com.au/wp-content/uploads/Results_176321678_xl-2015-c.jpg)
![Super fund fees and charges you need to know about](https://www.superguide.com.au/wp-content/uploads/maths_6660365_c.jpg)
![Super fund performance: Monthly returns to June 2024](https://www.superguide.com.au/wp-content/uploads/2021/04/super-fund-performance_198562514.jpg)
![Super funds of the year awards: Best super funds for 2024](https://www.superguide.com.au/wp-content/uploads/2024/05/super-fund-of-the-year_418246410_c-120x68.jpg)
![Best performing pension funds: Balanced category (41–60%)](https://www.superguide.com.au/wp-content/uploads/2023/10/img-best-performing-pension-funds-balanced-120x68.jpg)
![Insurance inside super: A definitive guide](https://www.superguide.com.au/wp-content/uploads/Insurance_1706183_c-120x68.jpg)
![Super and pension fund performance: Where does your fund rank?](https://www.superguide.com.au/wp-content/uploads/2021/05/super-rankings_108364106_c-120x68.jpg)
![10 points to check on your annual super fund statement](https://www.superguide.com.au/wp-content/uploads/Superguide-16-1-120x68.png)
![How to read a super fund PDS](https://www.superguide.com.au/wp-content/uploads/Superguide-6-120x68.png)
SMSFs
![SMSF setup guide: 9 steps you need to follow](https://www.superguide.com.au/wp-content/uploads/Start-SMSF_10351510_xl-2015c.jpg)
![Your 2024 SMSF calendar](https://www.superguide.com.au/wp-content/uploads/2022/12/Calendar-pins_10977033_c.jpg)
![SMSF investment: 20 most popular Australian shares](https://www.superguide.com.au/wp-content/uploads/2021/01/stockmarket-c.jpg)
![SMSFs: What advice can your accountant provide?](https://www.superguide.com.au/wp-content/uploads/Report_1098490_c-120x68.jpg)
![Writing your SMSF investment strategy (including templates)](https://www.superguide.com.au/wp-content/uploads/Drafting_11320464_c-120x68.jpg)
![SMSF compliance: What are trustees’ responsibilities?](https://www.superguide.com.au/wp-content/uploads/Compliance_38806167_c-120x68.jpg)
![SMSFs: How to start a pension](https://www.superguide.com.au/wp-content/uploads/2020/03/withdraw-c-120x68.jpg)
![SMSF reporting and record-keeping requirements](https://www.superguide.com.au/wp-content/uploads/Filing_2354265_c-120x68.jpg)
![SMSF annual admin checklist](https://www.superguide.com.au/wp-content/uploads/filing-1052529-c-120x68.jpg)
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.
Retirement planning
![How a transition-to-retirement pension works](https://www.superguide.com.au/wp-content/uploads/2020/03/rails-c.jpg)
![How much super do I need to retire?](https://www.superguide.com.au/wp-content/uploads/2022/04/retirement-planning-beginners_65950249_c.jpg)
![Why it can pay to put as much as possible into super](https://www.superguide.com.au/wp-content/uploads/2020/06/Squirrel.png)
![What is the cost of living in retirement in Australia?](https://www.superguide.com.au/wp-content/uploads/Cost-of-living_51818763_xl-2015_c-120x68.jpg)
![Retiring soon? Here are 5 questions you need to answer first](https://www.superguide.com.au/wp-content/uploads/Retiring_25954129_xl-2015-c-120x68.jpg)
![How to plan for your retirement](https://www.superguide.com.au/wp-content/uploads/2020/01/Depositphotos_9115856_xl-2015-c-120x68.jpg)
![What age should I retire?](https://www.superguide.com.au/wp-content/uploads/Retirement_5669041_c-120x68.jpg)
![Financial advice through super funds: What’s on offer?](https://www.superguide.com.au/wp-content/uploads/photodune-294546-customer-service-m-c-120x68.jpg)
![What to consider if you plan to retire this year and start a super pension](https://www.superguide.com.au/wp-content/uploads/babyboomers_10602457_cropped-120x68.jpg)
Make your retirement goals a reality
Join SuperGuide, Australia’s most trusted guide to superannuation and retirement planning
In retirement
![Minimum pension drawdown rates and calculator](https://www.superguide.com.au/wp-content/uploads/pension_cut_68921729_c.jpg)
![Age Pension calculator (July 2024 update)](https://www.superguide.com.au/wp-content/uploads/2021/09/age-pension-calculator_62954203_c.jpg)
![How does your super affect the Age Pension?](https://www.superguide.com.au/wp-content/uploads/2020/03/abacus-c.jpg)
![Managing retirement income with a bucket strategy](https://www.superguide.com.au/wp-content/uploads/Superguide-19-120x68.png)
![Retirement cost of living: 10 tips to boost your finances](https://www.superguide.com.au/wp-content/uploads/2020/04/Empty-wallet-c-120x68.jpg)
![How to maximise your Age Pension](https://www.superguide.com.au/wp-content/uploads/age-pension-maximise_249405036_ds-c-1-120x68.jpg)
![Have you got an exit plan? The importance of estate planning](https://www.superguide.com.au/wp-content/uploads/2022/03/estate-planning_6485387_c-120x68.png)
![Reverse mortgages: What are they and how do they work?](https://www.superguide.com.au/wp-content/uploads/Reverse_mortgage_154024040_c-120x68.jpg)
![How to choose a pension fund](https://www.superguide.com.au/wp-content/uploads/Choose_Pensions_27182413_c-120x68.jpg)
Popular features
![Minimum pension drawdown rates and calculator](https://www.superguide.com.au/wp-content/uploads/pension_cut_68921729_c.jpg)
![Deeming rates (and calculator) for the Age Pension income test](https://www.superguide.com.au/wp-content/uploads/2020/07/moon-c.jpg)
![Income tax calculator (2023–24 and 2024–25)](https://www.superguide.com.au/wp-content/uploads/2021/10/tax-calculator_215151740_c.jpg)
![Age Pension calculator (July 2024 update)](https://www.superguide.com.au/wp-content/uploads/2021/09/age-pension-calculator_62954203_c.jpg)
![How to take advantage of the increased Transfer Balance Cap (including calculator)](https://www.superguide.com.au/wp-content/uploads/2021/03/transfer-balance-cap_22955194_c.jpg)
![Lifetime estimator calculator](https://www.superguide.com.au/wp-content/uploads/2021/03/lifespan-calculator.jpg)
![Q&A: What to consider with unused concessional contribution tax claims?](https://www.superguide.com.au/wp-content/uploads/2023/09/carry-forward-super_124220120_c.jpg)
![Q&A: I have over $3m in super so should I now consider a recontribution strategy?](https://www.superguide.com.au/wp-content/uploads/2023/05/recontribution-176802240_c.jpg)
![Q&A: What are the pros and cons of entering pension phase with accumulated losses for capital gains?](https://www.superguide.com.au/wp-content/uploads/2023/05/capital-loss_93971612_c.jpg)
![Q&A: I’m over 75. Can I make a super contribution?](https://www.superguide.com.au/wp-content/uploads/2021/04/coins-c.jpg)
![Q&A: How can you reduce inheritance tax if you leave your super to your children?](https://www.superguide.com.au/wp-content/uploads/2023/04/inheritance_448951708_c.jpg)
![Q&A: Can I contribute to a grandchild’s super account?](https://www.superguide.com.au/wp-content/uploads/2023/04/grandchild_460947966_c.jpg)