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SuperGuide – Superannuation and retirement planning information

Supercharge your retirement

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

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Latest features

    Super or mortgage: Where should I put my extra savings?

    Super or mortgage: Where should I put my extra savings?

    It’s a common question with no simple answer; you will need to do your own sums. We show you how.
    Super fund performance over 32 calendar years (to December 2024)

    Super fund performance over 32 calendar years (to December 2024)

    Super funds went above and beyond in 2024, with the median Growth fund up 11.4% and even the most conservative investment options performing strongly.
    Super fund performance: Monthly returns to December 2024

    Super fund performance: Monthly returns to December 2024

    Despite a late stumble, super funds delivered double-digit returns in 2024 for members in growth options and solid returns for those in more conservative options.
    Super news for January 2025

    Super news for January 2025

    Support for payday super, Double digit super returns, Cash here to stay, Unlisted asset valuations
    How to measure the financial impact of delaying retirement

    How to measure the financial impact of delaying retirement

    If you are weighing up whether you can afford to retire sooner rather than later, it’s worth calculating some different scenarios before you pull the plug on your working life. We show you how.
    2024 year in review, 2025 year in preview

    2024 year in review, 2025 year in preview

    For the second year running, investors had a surprisingly good year in 2024 thanks to moderating inflation, economic growth holding its head above water, falling interest rates (just not in Australia) and buoyant share markets.
    Super news for December 2024

    Super news for December 2024

    Legacy pensions legislation, Super retirement reforms, Call to stop abusers inheriting victim’s super, Fallout from Cbus payout delays, Super tops $4 trillion mark
    Your super after death: How to get your savings into the right hands fast

    Your super after death: How to get your savings into the right hands fast

    With the news that super funds have taken a year or more to pay families after a member dies, what can you do to protect your loved ones?
    Can you be your own SMSF accountant?

    Can you be your own SMSF accountant?

    One way to lower your costs as an SMSF trustee, if you have a head for numbers and infinite patience, is to lodge your SMSF accounts yourself.

Make the switch to a top performing super fund

Compare more than 50 Australian super funds for free, including multi-year returns and fees

Compare super funds

How super works

When can I access my super? All conditions of release explained

When can I access my super? All conditions of release explained

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

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

How superannuation works: Super for beginners guide

How superannuation works: Super for beginners guide

Making superannuation contributions: Super for beginners guide

Making superannuation contributions: Super for beginners guide

How to make the most of your super contributions

How to make the most of your super contributions

Key superannuation rates and thresholds for 2024-25

Key superannuation rates and thresholds for 2024-25

Superannuation rule changes from July 2024 (and previous years)

Superannuation rule changes from July 2024 (and previous years)

Superannuation Guarantee contributions rate and rules

Superannuation Guarantee contributions rate and rules

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

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

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

YOUR TRUSTED, INDEPENDENT SUPERANNUATION GUIDE

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    “The go-to resource for all superannuation and retirement information.”

    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 over 32 calendar years (to December 2024)

Super fund performance over 32 calendar years (to December 2024)

Super fund performance: Monthly returns to December 2024

Super fund performance: Monthly returns to December 2024

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 2024-25

Super funds of the year awards: Best super funds for 2024-25

10 points to check on your annual super fund statement

10 points to check on your annual super fund statement

Super fund fees and charges you need to know about

Super fund fees and charges you need to know about

Balanced, Growth, Defensive: What’s in a name?

Balanced, Growth, Defensive: What’s in a name?

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

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

Insurance inside super: A definitive guide

Insurance inside super: A definitive guide

Best performing super funds Best performing pension funds Super investing strategies

SMSFs

What are the setup and running costs for an SMSF?

What are the setup and running costs for an SMSF?

Your SMSF calendar for 2025

Your SMSF calendar for 2025

Real DIY super: How to keep SMSF costs super low

Real DIY super: How to keep SMSF costs super low

How do SMSFs invest?

How do SMSFs invest?

SMSF investment: 20 most popular Australian shares

SMSF investment: 20 most popular Australian shares

SMSF setup guide: 9 steps you need to follow

SMSF setup guide: 9 steps you need to follow

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 for beginners SMSF investing SMSF pensions SMSF strategies SMSF checklists

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 long you can expect to live and what it means for your super

How long you can expect to live and what it means for your super

Can I get free financial advice?

Can I get free financial advice?

How much can I afford to spend in retirement?

How much can I afford to spend in retirement?

Why it can pay to put as much as possible into super

Why it can pay to put as much as possible into super

Planning to retire this year and start a super pension? Here’s what to consider

Planning to retire this year and start a super pension? Here’s what to consider

How a transition-to-retirement (TTR) pension works

How a transition-to-retirement (TTR) pension works

How much super do I need to retire?

How much super do I need to retire?

What is the cost of living in retirement in Australia?

What is the cost of living in retirement in Australia?

Retiring soon? Here are 5 questions you need to answer first

Retiring soon? Here are 5 questions you need to answer first

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

Make your retirement goals a reality

Join SuperGuide, Australia’s most trusted guide to superannuation and retirement planning

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In retirement

How to maximise your Age Pension

How to maximise your Age Pension

Commonwealth Seniors Health Card: Eligibility and how to apply

Commonwealth Seniors Health Card: Eligibility and how to apply

Can I return to work after I access my super?

Can I return to work after I access my super?

Minimum pension drawdown rates (2024–25) and calculator

Minimum pension drawdown rates (2024–25) and calculator

Age Pension calculator (September 2024 update)

Age Pension calculator (September 2024 update)

How does your super affect the Age Pension?

How does your super affect the Age Pension?

Managing retirement income with a bucket strategy

Managing retirement income with a bucket strategy

Retirement cost of living: 10 tips to boost your finances

Retirement cost of living: 10 tips to boost your finances

Have you got an exit plan? The importance of estate planning

Have you got an exit plan? The importance of estate planning

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

Popular features

  • Webinars
  • Calculators
  • How-to guides
  • Q&As
Webinar: Estate planning and superannuation

Webinar: Estate planning and superannuation

Webinar: Super strategies for 2025

Webinar: Super strategies for 2025

Webinar: SuperGuide members Q&A (December 2024)

Webinar: SuperGuide members Q&A (December 2024)

Webinar: Advice options for planning your retirement

Webinar: Advice options for planning your retirement

How to boost your spouse’s balance and make the most of super caps (including calculator)

How to boost your spouse’s balance and make the most of super caps (including calculator)

Minimum pension drawdown rates (2024–25) and calculator

Minimum pension drawdown rates (2024–25) and calculator

How the government co-contribution scheme works (including calculator)

How the government co-contribution scheme works (including calculator)

Lifetime estimator calculator

Lifetime estimator calculator

How to boost your spouse’s balance and make the most of super caps (including calculator)

How to boost your spouse’s balance and make the most of super caps (including calculator)

How do tax-deductible superannuation contributions work?

How do tax-deductible superannuation contributions work?

How to make your super more socially aware

How to make your super more socially aware

How myGov can help you keep track of your super

How myGov can help you keep track of your super

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

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

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: I’m over 75. Can I make a super contribution?

Q&A: I’m over 75. Can I make a super contribution?

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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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Disclaimer

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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