Retirees bullied and betrayed, Women and super, Financial advice, New Age Pension rates, Insurance in super
Highlights of the March 2019 edition of the SuperGuide Premium newsletter include:
- BULLYING AND BETRAYAL OF RETIREES: As we prepare for the forthcoming Federal Election, Sean Corbett reminds us how Australian retirees have been repeatedly let down and demonised by politicians on all sides.
- FINANCIAL ADVICE: The Royal Commission uncovered advice horror stories and made strong recommendations about how the industry must improve. We look at the risks and benefits of financial advice, how to find a suitable adviser, how much financial advice costs, and how you can find free or low-cost advice. One of Kenneth Hayne’s recommendations was that non-independent advisers need to disclose their lack of independence. Daniel Brammall helps us to identify what makes a financial adviser independent, and we list 129 independent advisers who operate in Australia.
- AGE PENSION: The Age Pension rates increase on 20th March. Find out the latest rates and thresholds, or use our calculator to find out how much you could be eligible for. Age Pension expert Regan Welburn also provides handy case studies to illustrate how the Age Pension is assessed, and a step-by-step guide to applying for the Age Pension, avoiding the common mistakes, and getting it right the first time.
- INSURANCE AND SUPER: Have you considered your insurance needs lately? In a suite of articles we look at how insurance operates inside super, and investigate life insurance, TPD insurance and income protection insurance in depth. Learn about the pros, the cons and the strategies you can consider.
- WOMEN AND SUPER: Women have the odds stacked against them when saving for retirement. They earn less, have more time out of the workforce, and live longer. However women do have Barbara Drury on their side, with some super strategies for women at different stages of life.
- SMSF LUMP SUM WITHDRAWAL RULES: Penny Pryor details the rules and tax implications for withdrawing lump sums from SMSFs, provides case studies to illustrate how the rules work, and reminds us about what you should consider if you have started a pension or are claiming the Age Pension.
- INDUSTRY FUNDS VS RETAIL FUNDS: The pain from Hayne continues for retail funds. Recent statistics show they now lag behind industry funds in assets under management, customer satisfaction and investment performance.
- LATEST SUPER RETURNS: 2019 has had a strong start with median growth fund gains of 2.7% in February and 2.5% in January. Learn more in our performance articles at the bottom of the email.
2019 FEDERAL BUDGET SPECIAL
This year the Federal Budget will be announced a month earlier – on Tuesday 2nd April. We will provide insights into the announcements affecting super, tax and retirement planning. Watch out for a Budget special newsletter early on April 3rd.
FEATURES
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How to benchmark your super fund
Your super is too important to set and forget, so we show you how to tell if your fund is delivering the returns, benefits and other services you need.
What are the lump sum withdrawal rules for SMSFs?
Do you know the difference between pension payments and lump sums? The process for taking a lump sum from your accumulation account or your pension account?
What is a testamentary trust and does my Will need one?
Establishing a testamentary trust can have valuable estate planning benefits. With significant amounts due to be transferred via inheritances in the coming decades, it may be worth considering one.
FINANCIAL ADVICE
How to find a super financial adviser
There are times in life when the right financial advice could prove invaluable, but it’s important to know what you are looking for and where to find it. Here’s how.
What are the risks and benefits of getting financial advice?
Quality, affordable advice can make an enormous difference to your retirement outcomes, but it pays to know how to sort the good from the bad and downright ugly practices.
How much does financial advice cost?
Many Australians who admit they need financial advice are reluctant to get it due to the perceived cost, but are they right? We look at what’s available and what it costs.
Can I get free financial advice?
If you could do with some help with your finances but can’t afford a professional adviser, all is not lost. Free financial advice and digital tools are out there if you know where to look.
AGE PENSION
Age Pension rates (from 20 September 2026)
Age Pension rates are rising again, but how much you actually get depends on your assets and income. Check the latest rates and figures.
Age Pension calculator (September 2026 update)
Our Age Pension calculator gives you an estimate of your potential Age Pension entitlements based on your situation, assets and income.
Age Pension assets test rules (from September 2026)
Age Pension assets test limits change three times a year, but your family home is never counted. Check the latest limits and what else is included.
Age Pension income test rules (from September 2026)
A common question for those nearing or in retirement is “How much can a pensioner earn before it affects the pension?”.
How do I apply for the Age Pension?
If you’re approaching your 67th birthday and planning to apply for the Age Pension, this is what you need to do.
How your super affects your Age Pension entitlements
The amount of Age Pension you are eligible to receive in retirement is means tested, with super among the assets included. This is how it’s assessed.
INSURANCE AND SUPER
Insurance in super: What to know and how to manage your cover
If you have insurance inside super but you’re not sure how it works, it’s easy to take control once you learn the basics and how to assess your needs.
Life insurance inside super: Choosing the right level of cover
Your guide to selecting an adequate and appropriate level of the right protection for your family.
TPD insurance in super: How much is enough?
Permanent disability insurance can provide financial security for you and your family if an illness or injury prevents you from going back to work.
Income protection insurance inside super: Choosing the right level of cover
Your guide to selecting protection that fits your needs and budget.
LATEST SUPER RETURNS
Super fund performance: Monthly returns to September 2026
Super funds dipped in September, with the median Growth fund down 0.4% as shares and bonds fell, but a weaker Australian dollar helped limit the loss.
Lifecycle super funds: What they are and how they perform
Lifecycle funds are designed to reduce risk as you near retirement without sacrificing returns; recent research shows many do just that but you need to know what to look for.
