SuperGuide

Making super contributions: Covers how much your employer must pay into your super fund, how much you can contribute, salary sacrificing, tax-deductible contributions, contributions caps and strategies.

Key articles include:

What super contributions are best for me?

2018/2019 guide to concessional contributions (before-tax super contributions)

A super guide to understanding the bring-forward rule

Salary sacrifice and super: How does it work?

What to do if you exceed your super contributions caps

2018/2019 guide to non-concessional contributions (after-tax super contributions)

Beginner’s guide to making super contributions

Put your feet up? Making super contributions after retirement

Know the rules: Contributing to super over 65

Contribution splitting: How to boost your spouse’s super

Gaining from the government: How you can score a co-contribution freebie

Carry-forward contributions: How your unused contribution limits can help you catch up

See all Making super contributions articles

Super fund performance: Discover the best-performing super funds, latest investment returns, a guide to super investing, investment choice, fees, insurance options and how to compare super funds.

Key articles include:

Super funds of the year awards: Best super funds for 2018/2019

Best performing super funds over 5 calendar years (to December 2018)

Super fund performance: Calendar years (to December 2018)

Super fund performance: Monthly returns to March 2019

Best performing super funds over 15 calendar years

Best performing super funds over 1 calendar year (to December 2018)

Best performing super funds over 1 financial year (to June 2018)

Best performing super funds over 10 financial years

See all Super fund performance articles

Super and tax: Find out how your super benefits are taxed when you retire, how super contributions are taxed, how super tax affects SMSFs and the tax implications for death benefits.

Key articles include:

Your tax guide to accessing your super under age 60

Over age 60? A simple tax guide to accessing your super benefits

The definitive SMSF guide to franked dividends

How does SAPTO work? (Senior Australians and Pensioners Tax Offset)

Income tax: Australian tax brackets and rates (2018/2019 and previous years)

Death and taxes: Guide to superannuation death benefits

How the Division 293 tax works: Super surcharge for high earners

The tax treatment of super benefits and the proportioning rule

See all Superannuation and tax articles

SMSFs: This section helps anyone running (or considering) a self-managed super fund, and includes SMSFs for beginners, costs, administration, compliance, investment, pensions, borrowing and Q&As.

Key articles include:

What are typical fees and costs for running an SMSF?

Which asset classes are popular with SMSFs?

What are the SMSF borrowing rules?

SMSFs: Trust deed health check for 2019

SMSF investment rules: What every trustee should know

How to create an SMSF investment strategy (including examples)

Guide to SMSF administration, reporting and record-keeping

Guide to SMSF trust deeds

Labor’s franking credits policy: Options for SMSF trustees

What is a self-managed super fund (SMSF)?

See all SMSF articles

Planning for retirement: Helps answer questions such as how much super is enough, when can you retire, how long will you live, will you get the Age Pension, how can you set up a retirement plan, and how to obtain financial advice.

Key articles include:

How much super do I need to retire?

Income from super Reckoner

Quiz: Planning for retirement

How much super do I need to retire on $60,000 a year?

How much super do I need to retire on $100,000 a year?

Is $1 million in super enough to retire on?

Is $1.6 million in super enough to retire on?

When should I retire?

Super advice: How to find a suitable financial adviser

How to plan for your retirement

Understanding your life expectancy

What are the different types of financial advice available?

See all Planning for retirement articles

Accessing super: Learn all the legal ways you can withdraw your super, your preservation age, the types of super benefits you can choose, about divorce and super, leaving Australia, or accessing super early.

Key articles include:

When should I retire?

Retirement age calculator: When can you access your super or the Age Pension?

What are unrestricted and restricted non-preserved super benefits?

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

What age can I access my super (Preservation Age)?

Accessing super: Ceasing employment after 60

Accessing super: Reaching preservation age and retiring

Accessing super: Reaching age 65

Early release of super due to severe financial hardship

Guide to transition to retirement pensions (TTRs or TRISs)

Did tax kill the transition to retirement magic pudding?

Early release of super on compassionate grounds

See all Accessing super articles

In retirement: Covers retirement phase topics such as taking a super lump or starting a super pension, working in retirement, CSHC, Age Pension, and what happens to super benefits when someone dies.

Key articles include:

Definitive guide to the $1.6 million transfer balance cap

Super’s rulebook: What rules apply to you at different ages?

Starting a pension from your super

Retirement cost of living: How much does a comfortable lifestyle cost?

What concession cards are available for Seniors and Pensioners?

Commonwealth Seniors Health Card: What it is and how to apply

How superannuation affects the Age Pension

Case studies: How is the Age Pension assessed?

Australian Age Pension rates (20 March 2019 to 19 September 2019)

Age Pension calculator: How much could you be eligible for?

Put your feet up? Making super contributions after retirement

Cognitive biases that can impact your retirement

Estate planning, super and SMSFs: Getting your house in order

Adjusting to retirement: 8 factors that can help

See all In retirement articles