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  • SMSFsAs if superannuation wasn’t complex enough, when you have a self-managed superannuation fund (SMSF) you take on considerably more responsibility, and it’s essential therefore to have a comprehensive understanding of the current super and SMSF rules. In this section you will find detailed explanations of the SMSF rules and the responsibilities for SMSF trustees. SMSFs for beginners SMSF administration SMSF checklists SMSF compliance SMSF investment SMSF pensions SMSF strategies SMSF Q & As As a first step, the following are key articles that describe how SMSFs work.
    • SMSF for beginnersLearn how to set up and run an SMSF.
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    • SMSF investingBuild and manage your SMSF investments.
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July 2026 Super booster newsletter

Super fund performance: Annual returns to June 2026
Super funds have now returned more than 9% for four financial years running, capping off another strong year to June 2026. Read more.
Super fund performance: Annual returns to June 2026
Super funds have now returned more than 9% for four financial years running, capping off another strong year to June 2026. Read more.
Best performing super funds: Growth category (61–80%)
The difference between holding your super savings in a leading fund compared to a lemon can make a big difference to your retirement outcome, so it pays to keep an eye on which funds perform well consistently over the long term as well as the past year. Read more.
Best performing super funds: Growth category (61–80%)
The difference between holding your super savings in a leading fund compared to a lemon can make a big difference to your retirement outcome, so it pays to keep an eye on which funds perform well consistently over the long term as well as the past year. Read more.
Super fund performance: Monthly returns to June 2026
Super funds capped off the financial year with a fourth consecutive year of returns above 9%, defying tensions in the Middle East and lingering inflation worries. Read more.
Super fund performance: Monthly returns to June 2026
Super funds capped off the financial year with a fourth consecutive year of returns above 9%, defying tensions in the Middle East and lingering inflation worries. Read more.
Understanding risk and your super investment options
Performance matters when you’re building a healthy super balance for your retirement, but so does the level of risk you are comfortable with along the way. Read more.
Understanding risk and your super investment options
Performance matters when you’re building a healthy super balance for your retirement, but so does the level of risk you are comfortable with along the way. Read more.
What’s your super risk profile? (Quiz)
Have you ever wondered if your super option is too risky for comfort, or too ‘safe’ to meet your retirement goals? Take our quiz to find the right investment ‘fit’… Read more.
What’s your super risk profile? (Quiz)
Have you ever wondered if your super option is too risky for comfort, or too ‘safe’ to meet your retirement goals? Take our quiz to find the right investment ‘fit’… Read more.
Does your super reflect your values?
A review of 15 major super funds found $89 billion invested in issues of concern, from fossil fuels to human rights. Most funds make it hard to find out what… Read more.
Does your super reflect your values?
A review of 15 major super funds found $89 billion invested in issues of concern, from fossil fuels to human rights. Most funds make it hard to find out what… Read more.
SuperGuide news for July 2026
Budget borrowing ban and CGT changes, Labor blocks teenage super push, Super fund call centre failures, ASIC warns investors and super membersThe balance that decides retirement, Most pre-retirees aren’t prepared. Read more.
SuperGuide news for July 2026
Budget borrowing ban and CGT changes, Labor blocks teenage super push, Super fund call centre failures, ASIC warns investors and super membersThe balance that decides retirement, Most pre-retirees aren’t prepared. Read more.

Downsizer contributions

Thursday 20 August 2026 at 11:00 am AEST

What you need to know to get the best outcomes with Downsizer contributions, including how the eligibility rules operate, the relevant timing requirements, Centrelink outcomes and your overall strategy considerations.

We will also look at the effect of recent superannuation tax law changes and why these changes need to be considered by those considering making a downsizer contribution.

Find out more

IN CASE YOU MISSED IT: Watch our previous webinar, Making the most of your SMSF in FY27

Q: Regarding the FHSS scheme, I understand that each financial year you are limited to counting $15,000 in super contributions towards your FHSSS releasable amount, and the total contributions counted towards the release can’t exceed $50,000. How is the carry-forward contribution (i.e unused cap of earlier years) treated in relation to this $15,000 cap for each financial year? Will carry forward contribution be eligible to be released as well considering it represents different financial year contribution?

A: No, additional carry forward contributions do not increase the amount that can be counted towards a FHSS release from a financial year.

Although the contributions may be utilising a prior year’s contribution cap, it is when they are received by your super fund that determines the financial year they are included in for the purposes of FHSS.

If you’re eyeing a new super fund, make your move seamless with 5 simple steps.

Important: 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.

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.

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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Retirement is a long way off

Key guides

  • Best performing super funds
  • Carry-forward (catch-up) contributions
  • Bring-forward rule
  • Spouse contribution splitting
  • Super fund performance

Nearing retirement

Key guides

  • How much super do I need to retire?
  • When can I access my super?
  • How to plan for your retirement
  • How much super should I have?
  • Boost your super before retirement

In retirement

Key guides

  • Age Pension calculator
  • Super recontribution strategy
  • Making contributions after age 60
  • Maximise your Age Pension
  • Make your super last longer

SMSF trustees

Key guides

  • SMSF setup and running costs
  • SMSF investment strategy
  • How to start a pension in your SMSF
  • Managing CGT in your SMSF
  • SMSF tax-saving strategies

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Bondi Junction, NSW 2022

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1800 955 753

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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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