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  • Super boosterGetting the most from your super means understanding how it works and knowing how to choose the right fund. Super Booster brings both these crucial areas together in one place – designed to help everyday Australians unlock smarter saving, strategic investing, and more confident decision-making.
    • Super essentials
    • Super fund essentials
    • Super investing
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    • Super and tax
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  • Retirement plannerPlanning for retirement can seem daunting but putting it off can cost you a personally fulfilling, financially secure retirement. Superguide’s range of retirement planning resources helps you to understand the key issues and provide you with valuable guidance on strategies that can improve your retirement income, including case studies. It’s never too early to start preparing for a stage of your life that could last more than three decades – a long time to regret missed opportunities. You may like to begin using the seven easy steps in how to plan for your retirement which include imagining what your dream retirement looks like and thinking about how long it may last, what it will cost, whether your savings are on track, and what you can do to close the gap. And if you need a little help tailoring strategies to your circumstances, take a look at our guide to seeking financial advice.
    • Getting startedIn this section you can learn about the fundamentals of planning for your retirement. Whether you are an absolute beginner or want to refresh your understanding of the key concepts, you can discover articles that will help you understand better how to plan for retirement and what you need to consider.
    • Retirement planning strategiesIn this section you can learn about the most critical retirement strategies you should consider when planning your retirement. There are tips and strategies to suit a range of age groups, whether you have many years left to save or need to get ready to retire in a hurry, including approaches that can help make your savings last the distance. You’ll also find planning ideas if you’re thinking of retiring overseas or own a business.
    • Case studiesHere you can find worked examples of retirement plans for a range of circumstances. These will help you see how different strategies can apply in the real world. There are also reflections from current retirees who share their lived experience and what they might have done differently.
    • CalculatorsIn this section you can discover some of the calculators and reckoners that SuperGuide have developed to make superannuation and retirement planning easier to understand. We also show you how to use some of the other retirement calculators available, review how reliable they are, and give you tips on how to choose one the right one for you. See also SuperGuide’s Investment Performance Reckoners.
    • Seeking financial adviceAustralians are generally reluctant to seek professional financial advice, despite the financial landscape (including the retirement system) becoming increasingly complex. The right financial advice can help you to get the most out of your superannuation. Advice doesn’t have to be expensive, particularly if you have simple needs. Your super fund may even be able to offer you the help you require. It’s important to know whether any financial advice you receive is independent or not. Advisers are legally required to provide you with a financial services guide that will let you know this information. Independent financial advice can be broadly defined as advice that is impartial or unbiased. It is provided without any potential for a conflict of interest. The resources here explain the value of advice, how to access it, and what to avoid.
    • Preparing for retirementIt’s nearly time! After years of saving and (hopefully) planning, retirement is just around the corner. Here you can find strategies that could help you to give your super a last-minute boost and insight into the risks that could throw your plans off the rails – and what to do about them.
  • RetireeRetirement is meant to be a reward for hard work, a time to kick back and do a bit of what you fancy. It’s all that, but it is also a time when many decisions and choices need to be made. SuperGuide’s retirement articles cover everything from taking your super as a lump sum or an income stream (also called a super pension) to what happens to your super when you die. We even have a handy calculator to help you estimate how long you can expect to live. Along the way, we also examine working in retirement, a guide to the Age Pension eligibility and payment rates and eligibility for concession cards for seniors and pensioners. And if the very thought of all these decisions makes your head spin, we have a guide to seeking independent financial advice. Set out below are the key topics in retirement: Super lump sums Super pensions Age Pension Working in retirement Life in retirement Seniors concessions and services Aged care Estate planning Super death benefits As a first step, the following are key articles that tackle the big issues in retirement.
    • Accessing superConverting your superannuation to a pension is an option if you have reached your preservation age and met a condition of release. Your preservation age is between 55 and 60, depending on your date of birth. Standard conditions of release for super pension withdrawals are: retirement, beginning a transition-to-retirement income stream, ceasing an employment arrangement after the age of 60, even if you get a job with a new employer, turning 65 years of age, becoming permanently incapacitated, being diagnosed with a terminal medical condition. Your dependants can also be entitled to access your super as a pension when you die if you have arranged for this to happen, though there are likely to be tax implications. There are six main types of super pension: Account-based pension: This is the most common type of pension. The pension is paid from a super account held in your name. Annuities: Annuity payments are purchased with a lump sum and enable fixed payments for the remainder of your life or for a defined period. The value of account-based pensions on the other hand can rise or fall depending on the market value of the underlying investments supporting them. Transition-to-retirement pension (TTR or TRIS):…
    • Managing super in retirementManaging your retirement income is about more than just drawing a regular pension payment. It involves deciding how and when to access your super, understanding how long your savings might need to last, and weighing up whether to use lump sums, annuities, or other income sources outside super. The right strategy can help reduce tax, improve Centrelink outcomes, and give you more flexibility and peace of mind
    • Age Pension and seniors concessionsThe Age Pension eligibility age in Australia is currently 66 years and 6 months, increasing to 67 from 1 July 2023. In addition to the age requirement, your eligibility for the Age Pension depends on you: Being able to satisfy the Age Pension assets test, Being able to satisfy the Age Pension income test, and Meeting Australian residency requirements. You will be eligible to receive either a full or part Age Pension provided your assets or income don’t exceed the thresholds of the respective tests, and you also satisfy both the age and Australian residency requirements. It’s important to understand that your super may be included in both your asset and income tests, and can therefore affect your potential Age Pension eligibility. It’s possible to earn up to earn up to $300 per fortnight from paid employment without this amount being included in your Age Pension income test. This is known as the work bonus. Age Pension rates for singles and couples (married or de facto) are adjusted very six months based on changes in the Consumer Price Index (CPI), Male Total Average Weekly Earnings, and the Pensioner and Beneficiary Living Cost Index. See also our seniors concessions and services…
    • Other income in retirementRetirement is a condition of release to access your super once you have reached your preservation age. Your preservation age is between 55 and 60, depending on your date of birth. Once you have made a written declaration to your super fund that you are officially retired, the contributions you can make into your super account are much more limited and depend on your age. However, it’s possible to return to work even if retirement was your condition of release. If you’re aged under 60, you can return to work provided you can prove that your intention to retire was genuine when you made it. For example, your personal circumstances may have changed since you retired. You may need to provide proof of these changed circumstances to the ATO or your super fund. However you won’t be able to access any further super benefits that you accumulate from that point in time until you meet another condition of release. You can still access what you had accumulated up to that date. A transition-to-retirement pension is also an option you can consider once you have reached preservation age. If you’re aged between 60 and 64 and retirement was your condition of…
    • Life in retirementAdvice about retirement planning is often reduced to financial targets and your superannuation account balance. And that’s a pity. While a degree of financial security is necessary to live well in retirement, it’s not sufficient. Retirees and experts alike point to the importance of your health, relationships, social connection and the pursuit of new skills and interests for a sense of wellbeing in retirement.
    • Later life planningLater life planning brings together two often overlooked but essential parts of retirement: aged care and estate planning. It covers how you want to be cared for if you’re unable to make decisions for yourself, and how your assets should be managed and distributed after your death.
  • 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 beginnersIn this section you will gain an understanding of the basics of self-managed superannuation funds (SMSFs). We’ll take you through the key responsibilities in being a SMSF trustee, help you to evaluate if a SMSF is right for you, and give you an idea of how much it might cost to run a SMSF. You can also test your understanding of SMSF basics with our quiz.
    • SMSF admin and complianceAll Self-Managed Superannuation Funds (SMSFs) must have a trust deed, a document which sets out the governing rules of that particular SMSF. Trust deeds can vary from document to document, and can also be amended over time, so it is vital that you understand and abide by the rules governing your SMSF. In addition to the trust deed, SMSFs are subject to the provision of the Superannuation Industry (Supervision) Act 1993, which imposes legal obligations on how SMSFs must be operated. These laws and regulations may, in certain circumstances, take precedence over your trust deed, so a sound understanding of the rules is a prerequisite for any SMSF trustee. In this section you’ll learn how to comply with obligations such as: residency requirements, developing an investment strategy and ensuring that all investment decisions are consistent with it, considering member insurance needs, only accepting contributions from fund members, making super benefit payments only to members who have met a condition of release, monitoring total super balance and transfer caps, administration, reporting and record-keeping requirements, appointing a registered auditor, and lodging the fund’s annual return to the Australian Taxation Office (ATO) and paying tax, to name but a few compliance and administrative…
    • SMSF investingPeople who run their own self-managed super fund (SMSF) often do so because of the control it gives them over their investments and investment strategy. With that control comes lot of responsibility. You need to understand the nature of the investments on offer, and how they fit into your overall investment strategy. It can also be instructive to see what other SMSFs are investing in. Then there is the legal requirement for SMSFs to have a documented investment strategy. This should satisfy the sole purpose test and be used to guide trustee decision-making. See also superannuation investment strategies and our section on risk.
    • SMSF pensions and lump sumsSelf-managed superannuation funds (SMSFs) can pay whatever benefits are allowable by their governing rules (trust deed). Most typically, this allows SMSFs to pay benefits as either lump sums or pensions. In addition to the different types of payments that a SMSF can make, in this section you will learn about the process of starting a pension, transitioning from the accumulation phase into the pension phase, and all the steps that are required as a SMSF trustee to commence a pension. You will learn all about the importance of exempt current pension income (ECPI) and how to ensure that you maximise this valuable benefit. You may also need to be aware of the transfer balance cap, and how to navigate these complex rules. For those who have reached preservation age and would like to commence a pension while still retaining a connection to the workforce, a Transition-to-retirement (TTR) pension might be worth considering.
    • SMSF estate planningSelf-managed superannuation funds (SMSFs) allow for a high level of flexibility in the management of a person’s superannuation benefits upon passing. Careful planning can allow your SMSF benefits (which are not automatically estate assets) to be passed onto those dependants who you wish to benefit, in the most efficient and tax effective way possible. In this section you will learn the key concepts behind robust estate planning for SMSF trustees, and how to take advantage of the greater control accorded to SMSFs in passing on wealth from an SMSF.
    • SMSF strategies and checklistsIn this section you can learn about tips and strategies you can consider for your SMSF, including multigenerational SMSFs, how to make decisions at different life stages and what are your options when you would like to wind up your SMSF. Also covered are investing strategies such as assessing passive vs active strategies, rebalancing and which assets are popular with SMSFs.
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Advertising Terms & Conditions

SuperGuide Unit Trust, trading as SuperGuide Pty Limited (ABN 96 583 886 526)

SuperGuide ( “we”) and the customer (“you”) wish to enter into an agreement regarding advertising we may supply to you for use on the SuperGuide.com.au website.

1   Overview

1.1 The agreement comprises:

(a) these Booking Terms and Conditions; and

(b) the terms of the Insertion Order(s);

1.2 This agreement constitutes the entire agreement between the parties and replaces any previous discussions, communications or other documents concerning the supply of the Services.

2   Interpretation

2.1 Definitions

In this agreement, the following words have these meanings, unless the context otherwise requires:

Advertising Copy means all advertising, marketing or other material supplied by you for publication our sites in the form and manner approved by us;

Cancellation Fee means the estimated charges and costs we would have reasonably expected to received for provision of Services but for your late cancellation including our charges for producing any Custom Materials and our Fees for publishing any Custom Materials or Advertising Copy based on the applicable Insertion Order;

Confidential Information means:

(a) this agreement; and

(b) all information of a confidential nature disclosed or communicated by the disclosing party to the recipient including any financial and pricing data; business plans; policies; suppliers; inventions; product information and information about a party’s marketing and/or promotional activities

(c) but excludes any information which the recipient can establish:

(i) is or becomes generally available in the public domain otherwise than through a breach of this agreement or any obligation of confidence owed to the disclosing party;

(ii) is or becomes known to the recipient from a source other than the disclosing party otherwise than through a breach of an obligation of confidentiality owed to the disclosing party;

(iii) is or has been independently developed or acquired by the recipient; or

(iv) is approved in writing by the disclosing party for disclosure by the recipient;

Creative Services means design, production and promotional services we provide for interactive media including without limitation creating, producing and marketing Custom Materials, advertising marketing campaigns, e-direct marketing, developing and hosting integrated offerings such as competitions and associated creative services;

Fees means our fees and chargers for the provision of Services as specified in the Insertion Order;

Indirect Losses includes losses of profits, revenue, opportunity, anticipated savings or data or any indirect or consequential loss or damage;

Insertion Order means an insertion order which specifies details of the Services we agree to provide to you;

Launch Date means the date at which we are scheduled to publish any Advertising Copy or make available any Custom Materials for publication as specified in the Insertion Order;

Order means an order for Services described in an Insertion Order which has been accepted by us in accordance with this agreement;

Rate Card means our current standard rates and charges for the provision of Services as notified to you from time to time;

Services means the services to be supplied by us to you described in any Insertion Order;

User means a person who accesses a page on our sites;

We, our or us means SuperGuide Unit Trust, trading as SuperGuide Pty Limited (ABN 96 583 886 526);

You or your means the person identified as the “Customer” in the Insertion Order; and

Value Credit means a credit we may issue to you upon your cancellation of an Order in accordance with 3.4 (b) for the supply by us of replacement services of equivalent value to the Order.

3   Services

3.1 Provision of Services

We will provide to you with, and you agree to use the Services on our sites in accordance with this Agreement.

3.2 Orders for Services

(a) You may request Services from us by completing an Insertion Order.

(b) We will not be obliged to supply you the particular Services set out in the Insertion Order until you have signed the Insertion Order.

(c) We may require you to submit a completed Credit Application Form prior to our signature of the Insertion Order.

3.3 Cancellation of Services

(a)  You may cancel an Order for any Services at any time without charge provided that you give us at least ten (10) days notice prior to the Launch Date.

(b) In the event you cancel an Order for Services on less than the notice period set out in clause 3.3 (a) we may in our discretion issue you with a Value Credit or charge you a Cancellation Fee.

(c) All Value Credits must be used within sixty (60) days of the issue date.

(d) You further acknowledge that use by you of any Value Credit is subject to the availability of replacement services and that we may in our discretion restrict your use of any Value Credit for Premium Services to the purchase of non Premium Services of equivalent value.

(e) We may cancel an Order or part Order at any time without giving you any reasons for the cancellation. If we exercise this right we will at our option:

(i)  refund to you any Fees that you already paid to us; or

(ii) issue a Value Credit; or

(iii) reschedule the Launch Date to another date within sixty (60) days of the cancellation date; and you agree that this is our sole liability to you in relation to that particular Order or part Order.

4   Advertising Copy

4.1 Form of Advertising Copy

You will ensure all Advertising Copy complies with our advertising specifications which are available on request.

4.2 Website Links

You will ensure that any url referenced in any Advertising Copy will link Users to the intended website. We may test whether the url is functional and may in our discretion link to an alternative url for any url which does not meet with our approval.

Examples of urls that would not meet our approval include pages that feature pop-ups or warning messages.

4.3 Delivery of Advertising Copy

(a) You will supply us with Advertising Copy for our approval at least five (5 days) prior to the Launch Date.

(b) If we do not receive your Advertising Copy on time we may treat this as a cancellation of the applicable Order or part thereof and we may charge you a Cancellation Fee.

5   Sales Materials

You acknowledge that any marketing slide packs, mock ups, presentations or marketing materials supplied to you concerning our Services are examples only and that we may in our discretion vary the placement of any Advertising Copy including Integration Placements within our sites.

6   Creative Services

6.1 Instructions and Materials

You will supply us with any design instructions, logos, art work or materials which we will need to carry out Creative Services for you in the manner and format we specify at the time of completion of the Insertion Order.

6.2 Approval of Custom Content

We will use reasonable endeavours to supply mock ups of all Custom Materials for your approval reasonably in advance of the Launch Date.

6.3 You must promptly check mock ups upon receipt and notify us of your approval or of any errors or amendments you require prior to the Launch Date. We may charge you additional fees for any amendments’ we estimate will take more than one business day’s work to complete.

6.4 Subject to Clause 6.2 if we do not receive your approval for mocks ups of the Custom Materials supplied to you at least two (2) days prior to Launch Date we may in our discretion treat this as a cancellation of the applicable Order or part thereof and we may charge you a Cancellation Fee.

7   Warranties

7.1 Your Warranties

You warrant to us that:

(a) you have all applicable licenses and consents necessary to enter into and perform your obligations under this agreement;

(b) you are fully authorised to act on behalf of any advertiser or client on whose behalf you are requesting Services;

(c) you have complied and will continue to comply with all applicable laws and regulations in performing your obligations under this agreement;

(d) you will not breach any agreement, arrangement or understanding with a third party as a result of entering into or performing any part of this agreement;

(e) Advertising Copy comply with all applicable laws and regulations and industry guidelines;

(f) Advertising Copy will not infringe the intellectual property rights of any person;

(g) Advertising Copy will not include or contain a link to any content that is, illegal, obscene, violent, defamatory, pornographic or mentions bitcoin or other cryptocurrencies;

(g) Advertising Copy will comply with ASIC rules in relation to SMSFs and the promotion of property investments;

(h) you will not insert any tag, code, cookie or other data tracking or collection device into the Advertising Copy without our express permission; and

(i)  you will not use or redistribute to any third party without our permission any information or reports we may supply to you other than for the purpose of evaluating the performance of our Services.

7.2 Our warranties

We warrant to you that:

(a) we have the right to supply the Services to you;

(b) we will use reasonable care and skill in supplying the Services; and

(c) we will comply with all applicable laws and regulations in supplying the Services.

7.3 Exclusion of Warranties

We exclude all implied conditions and warranties from this agreement except any conditions or warranties (such as those implied by the Trade Practices Act (1974)) which cannot by law be excluded.

8   Intellectual Property

(a) Unless otherwise agreed in the Insertion Order we or our licensors own the intellectual property in the Custom Content, our trade marks and any other material developed or provided by us under this agreement.

(b) You and your licensors own the intellectual property in any Advertising Copy, your trade marks and any other material you provide to us under this agreement.

(c) Except as authorised by this agreement, the parties agree not to reproduce the other party’s intellectual property.

8.2 Licence of Intellectual Property

(a) You grant us a limited, non-exclusive and non-transferable licence to reproduce and communicate to the public the Advertising Copy on our sites in accordance with the agreement.

(b) You grant us a limited non-exclusive right to copy, adapt, modify and otherwise use any logos or other design materials you supply to use for the purposes of supplying you with Creative Services.

9 Payment

9.1 Rates and Fees

You will pay the Fees. If no Fees are specified in the Booking Form the charges for our Services will be as set out in our current Rate Card at the time of our acceptance of the Order.

9.2 Changes to Rates

We may change our Rate Card from time to time without notice.

9.4 GST and taxes

You will pay all taxes, duties and other government charges payable or assessed in connection with this agreement including goods and services tax, other value added tax, sales or use taxes, stamp duty and turnover tax, but excluding taxes, duties and government charges assessed on our income.

9.5 Invoices

(a) We will invoice you monthly for fees and costs due under this agreement.

(b) You will pay the amounts invoiced within thirty (30) days of the date of the invoice. You may if agreed with us, make payment by electronic debit to our nominated account.

(c) If payment is not received within thirty (30) days of the date of the invoice we reserve the right to charge additional administration and interest fees.

9.6 Measurement of Advertising

We will measure advertising (including impressions delivered and clicks achieved) through our Doubleclick for Publishers advertising system. Results from third party ad-servers will not be accepted for the purposes of billing and assessment of advertising performance.

10 Confidential Information

(a) Each party must:

(i) take all action reasonably necessary to maintain the confidentiality of the other party’s Confidential Information;

(ii) not disclose the other party’s Confidential Information to any person except as permitted under paragraph (b);

(b) A party (“recipient”) may disclose the Confidential Information of the other party:

(i) to a representative of the recipient who needs to know the Confidential Information for the purposes of this agreement and subject to the recipient taking reasonable steps to ensure that any such representative is fully aware of the confidential nature of the Confidential Information of the disclosing party before the disclosure is made; or

(ii) which is required or authorised to be disclosed by any law.

11 Indemnity and liability

You indemnify us against all loss or liability we may suffer or incur arising out of any claim made against us as a result of breach of your warranties in clause 8.1 and any act or omission by you in connection with your Advertising Copy.

11.1 Limitation of Liability

(a) neither party is liable for any Indirect Loss incurred by them or by any other person arising out of or in connection with this agreement; and

(b) our liability to you for any claims made under this agreement (whether such liability arises in contract, tort (including negligence) or otherwise) is, to the fullest extent permitted by law, limited at our option to resupplying the Services or paying the cost of having the Services resupplied.

11.2 No responsibility for Advertising Copy

(a) We are not liable for any aspect of the Advertising Copy including any products or services referred to in the Advertising Copy.

(b) You are solely responsible for the content of all Advertising Copy and associated products and services, including any ancillary competitions and promotions.

11.3 Complaints

If you wish to make a claim for a Value Credit, republication or any other remedy in respect of our Services you must send the claim to us no less than fourteen (14) days after the Launch Date.

12 General

12.1 Applicable law

This agreement is governed by the laws of Victoria, Australia. Each party submits to the non-exclusive jurisdiction of the courts of that place.

12.2 Notices

A notice must be in writing to the address of the addressee as stated in the Insertion Order.

12.3 Public statements

Neither party may issue a press release or other public statement in relation to this agreement without the prior written consent of the other.

12.4 No Agency

This agreement will not create a joint venture, legal partnership, employment or agency relationship between you and us.

12.5 Assignment

Neither party may transfer or assign this agreement without the other party’s prior written consent (not to be unreasonably withheld).

12.6 Force Majeure

Neither party will be liable for its failure to perform any of its obligations under this agreement due to any contingency beyond its reasonable control.

12.7 Privacy

SuperGuide may collect your personal information to provide the Services to you and for invoicing purposes. The collection, use or disclosure of any personal information provided to us by you in connection with your use of the Services is subject to the SuperGuide Privacy Policy which is available at www.superguide.com.au/about/privacy.

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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Level 23, 520 Oxford St,
Bondi Junction, NSW 2022

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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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