All recent articles Below you can find all recent SuperGuide articles. SMSFs: What are the lump sum withdrawal rules? May 12, 2021 What is the Pension Loans Scheme, and how does it work? May 11, 2021 Work test: Making super contributions over 67 May 11, 2021 Pension fund rankings: All Growth category (96–100%) May 10, 2021 Pension fund rankings: High Growth category (81–95%) May 10, 2021 Pension fund rankings: Growth category (61–80%) May 10, 2021 Pension fund rankings: Balanced category (41–60%) May 10, 2021 Pension fund rankings: Conservative category (21–40%) May 10, 2021 Super fund rankings: High Growth category (81–95%) May 10, 2021 Super fund rankings: Growth category (61–80%) May 10, 2021 Super fund rankings: Balanced category (41–60%) May 10, 2021 Super fund rankings: Conservative category (21–40%) May 10, 2021 Target retirement income: The 66–80% rule of thumb May 7, 2021 Estate planning and SMSFs: What it is and why it matters May 3, 2021 List of Australian independent financial advisers April 26, 2021 Is $500,000 in super enough to retire on? April 21, 2021 How much super do I need to retire? April 21, 2021 How much super do I need to retire on $50,000 a year? April 21, 2021 Super advice: How to find a suitable financial adviser April 20, 2021 Super fund performance: Monthly returns to March 2021 April 20, 2021 SMSF investment rules: What every trustee should know April 15, 2021 Age Pension rates (March 2021 to September 2021) March 26, 2021 Retirement cost of living: How much does a comfortable lifestyle cost? March 15, 2021 Case studies: How is the Age Pension assessed? March 12, 2021 Capital gains and super: Using super contributions to reduce your CGT bill March 10, 2021 Asset sector performance: Returns over 1 to 15 years (to December 2020) March 10, 2021 Age Pension calculator: How much could you be eligible for? March 9, 2021 Am I eligible for the Age Pension? March 9, 2021 Age Pension income test limits (March 2021 to July 2021) March 9, 2021 Age Pension assets test limits (March 2021 to July 2021) March 9, 2021 Definitive guide to the Transfer Balance Cap March 5, 2021 8 warning signs of a bad financial adviser March 3, 2021 What is MySuper, and which super funds have MySuper products? February 26, 2021 Super fund fees: Do lower fees mean better net returns? February 19, 2021 Super and pension funds with the lowest fees February 16, 2021 Pension fund performance to December 2020 February 16, 2021 Best performing pension funds: All Growth category (96–100%) February 15, 2021 Best performing pension funds: High Growth category (81–95%) February 15, 2021 Best performing pension funds: Growth category (61–80%) February 15, 2021 Best performing pension funds: Balanced category (41–60%) February 15, 2021 Best performing pension funds: Conservative category (21–40%) February 15, 2021 Best performing super funds: All Growth category (96–100%) February 15, 2021 Best performing super funds: High Growth category (81–95%) February 15, 2021 Best performing super funds: Growth category (61–80%) February 15, 2021 Best performing super funds: Balanced category (41–60%) February 15, 2021 Best performing super funds: Conservative category (21–40%) February 15, 2021 Tax in SMSFs and regular super funds: Which is better? February 11, 2021 Getting financial advice? What your adviser needs to provide February 11, 2021 The importance of asset allocation February 10, 2021 10 common ‘myth-conceptions’ about retirement income February 10, 2021 Retirement planning case study: Couple aged 58 and 60 January 22, 2021 Retiree reflections: If I had my time over, when would I retire? January 21, 2021 Super funds with the lowest fees for life and TPD insurance January 20, 2021 Super funds with the lowest fees for income protection insurance January 20, 2021 Super fund performance over 28 calendar years (to December 2020) January 19, 2021 Annual super fund performance Reckoner: Annual returns for 5 investment categories January 19, 2021 Income protection insurance through super: A definitive guide January 18, 2021 Insurance inside super: A definitive guide January 18, 2021 Life insurance through super: A definitive guide January 18, 2021 Guide to SMSFs and insurance January 14, 2021 How your super fund works and who’s who in your fund January 4, 2021 Your SMSF calendar January 4, 2021 What is the retirement age in Australia? January 4, 2021 Super funds of the year awards: Best super funds for 2020/21 December 9, 2020 Super for beginners: How superannuation is taxed December 3, 2020 How much super do you need to set up an SMSF? December 3, 2020 Reverse mortgages: What are they and how do they work? December 2, 2020 What does it cost to run an SMSF? December 2, 2020 What age should I retire? December 1, 2020 Quiz: Employer super responsibilities December 1, 2020 Your home: The foundation of retirement planning November 24, 2020 SMSF investment: 20 most popular Australian shares November 16, 2020 How to create an effective salary sacrifice arrangement with your employees November 13, 2020 Checklist for employers: 7 tips to help you master your super responsibilities November 13, 2020 Employer’s guide to Superannuation Guarantee (SG) contributions: Which employees are eligible? November 13, 2020 Choosing a default fund for your employees November 13, 2020 Calculating your employees’ SG contributions? The rules to help get it right November 13, 2020 Super and pension fund performance: Where does your fund rank? November 12, 2020 Accessing super: Reaching preservation age and retiring October 9, 2020 Super tips and strategies if you are in your 20s October 6, 2020 Super tips and strategies if you are in your 30s or 40s October 6, 2020 Super tips and strategies if you are in your 50s October 6, 2020 Super tips and strategies if you are in your 60s or 70s October 6, 2020 What age can I access my super (Preservation Age)? October 6, 2020 Accessing super: Ceasing employment after 60 October 6, 2020 Accessing super: Reaching age 65 October 6, 2020 What to do if the market tanks and you’re retired, or close to it October 1, 2020 How to compare super funds in 7 easy steps October 1, 2020 Super investing for beginners October 1, 2020 The easy way to find and consolidate your lost super October 1, 2020 How super works: A beginner’s guide to superannuation October 1, 2020 How to maximise your Age Pension September 17, 2020 What are lifecycle super funds, and how do they perform? September 16, 2020 Financial advice through super funds: What’s on offer? September 15, 2020 Can I get free financial advice? September 15, 2020 10 points to check on your annual super fund statement September 2, 2020 Selecting your super fund: Can I make the choice? September 2, 2020 What government services are available for older Australians? September 1, 2020 Your simple guide to Superannuation Guarantee (SG) contributions September 1, 2020 How the Division 293 tax works: Super surcharge for high earners September 1, 2020 How does SAPTO work? (Senior Australians and Pensioners Tax Offset) August 11, 2020 How to evaluate whether an SMSF is right for you August 11, 2020 How to create an SMSF investment strategy (including example documents) August 6, 2020 Top 10 Balanced super funds ranked by risk and return August 4, 2020 What is a growth asset? Time to set some standards August 3, 2020 Balanced, Growth, Defensive: What’s in a name? August 3, 2020 Early release of super due to COVID-19 (coronavirus) July 23, 2020 Your tax guide to accessing your super under age 60 July 16, 2020 Your tax guide to accessing your super over age 60 July 16, 2020 What super contributions are best for me? July 8, 2020 How to make super contributions after you’ve retired July 8, 2020 What to do if you exceed your super contributions caps July 8, 2020 What is a re-contribution strategy and how can I use it with my super? July 6, 2020 Contributing to your super in your late 60s: What are the rules? July 3, 2020 Video: Wellbeing in retirement July 1, 2020 Deeming rates (and calculator) for the Age Pension income test July 1, 2020 A super guide to understanding the bring-forward rule July 1, 2020 How carry-forward (catch-up) super contributions work July 1, 2020 Contribution splitting: How to boost your spouse’s super July 1, 2020 Superannuation rule changes: Your guide for 2020/21 June 30, 2020 SMSF trustee housekeeping checklist for 2020/21 June 29, 2020 Key superannuation rates and thresholds for 2020/21 June 29, 2020 Non-concessional super contributions guide (2020/21) June 26, 2020 Concessional super contributions guide (2020/21) June 22, 2020 How a government co-contribution can help boost your super savings June 19, 2020 How LISTO works (Low Income Superannuation Tax Offset) June 17, 2020 Starting a new business in retirement June 12, 2020 How do I arrange a Home Care Package? June 11, 2020 Video: We need to talk about Mum and Dad June 9, 2020 Retiring at 55? Your super simple guide to 12 common questions June 3, 2020 Retiring at 65? Your super simple guide to 12 common questions June 3, 2020 Finding a good financial adviser and making financial advice work for you June 1, 2020 Countdown to retirement: Tips to help kickstart your retirement plans June 1, 2020 Why it can be a good idea to put as much into super as possible June 1, 2020 Guide to the ATO SMSF supervisory levy June 1, 2020 What are the SMSF residency requirements? June 1, 2020 The SMSF trustee declaration explained June 1, 2020 How much does financial advice cost? June 1, 2020 Guide to SMSF trust deeds June 1, 2020 Smashing senior stereotypes May 7, 2020 Rules of Thumb: Do these popular retirement planning hacks measure up? May 7, 2020 Working in retirement: Busting the age barrier May 2, 2020 In your 70s? The super rules that apply to you May 1, 2020 In your 60s? The super rules that apply to you May 1, 2020 In your 50s? The super rules that apply to you May 1, 2020 In your 20s, 30s or 40s? The super rules that apply to you May 1, 2020 In your teens? The super rules that apply to you May 1, 2020 The Superannuation Standard Choice Form explained May 1, 2020 SMSF compliance: What are trustees’ responsibilities? May 1, 2020 SMSF annual admin checklist April 22, 2020 Top 5 mistakes SMSF trustees make with their annual returns April 22, 2020 Consider these two risks before you start a super pension April 9, 2020 Early release of super due to severe financial hardship April 4, 2020 How can you plan your income needs in retirement? April 1, 2020 Worried about your post-virus finances? 10 tips to help stretch your retirement dollars April 1, 2020 Early release of super on compassionate grounds April 1, 2020 Rise of the three-quarter life crisis April 1, 2020 SMSFs: What to do if you get a breach notification from the ATO April 1, 2020 When can I access my super? All conditions of release explained April 1, 2020 What strategies can I consider to reduce tax on my super pension? April 1, 2020 Minimum pension payments for 2020/21 (including calculator) April 1, 2020 Commuting an SMSF allocated pension April 1, 2020 List of APRA-regulated superannuation funds April 1, 2020 Starting an SMSF pension checklist March 23, 2020 Is a bucket strategy the solution for your retirement income plan? March 23, 2020 SMSFs: How to start a pension March 23, 2020 How much can I afford to spend in retirement? March 22, 2020 Guide to transition-to-retirement pensions (TTRs or TRISs) March 22, 2020 How do SMSF retirees invest? March 14, 2020 What is the value of financial advice when it comes to your retirement? March 14, 2020 How to create an investment portfolio in retirement March 13, 2020 Financial advisers give tips on preparing for retirement March 11, 2020 What are the different types of super funds? March 9, 2020 How does your super affect the Age Pension? March 1, 2020 What SMSF trustees need to know about ECPI March 1, 2020 What are the Age Pension residency rules? March 1, 2020 Choosing a super investment option February 15, 2020 Choosing a pension fund February 14, 2020 Introduction to aged care February 13, 2020 4 strategies to help fix your total super balance problem February 12, 2020 10 steps to buying a commercial property and leasing it to your SMSF February 12, 2020 How do tax-deductible superannuation contributions work? February 1, 2020 What on earth is an in-specie transfer? January 15, 2020 What concession cards are available for Seniors and Pensioners? January 15, 2020 How investing in infrastructure boosts your super account January 14, 2020 How long you can expect to live, and what it means for your super January 14, 2020 Salary sacrifice and super: How does it work? January 13, 2020 How to benchmark your super fund January 4, 2020 How to plan for your retirement January 4, 2020 Beginner’s guide to making super contributions January 1, 2020 What retirees say they would have done differently January 1, 2020 Your simple guide to the NSW Seniors Card January 1, 2020 Guide to SMSF administration, reporting and record-keeping January 1, 2020 10 hidden perks that make your super account even better January 1, 2020 Is it time to change your super investment option? January 1, 2020 How to change your investment option: 6 points to check before you switch January 1, 2020 Your simple guide to state Seniors Cards: How they can save you money January 1, 2020 What are listed and unlisted investments and why does it matter? December 16, 2019 Making downsizer super contributions: 10 things you need to know December 16, 2019 5-step guide to the different types of financial advice on offer December 14, 2019 SMSFs: What advice can your accountant provide? December 14, 2019 7-point guide to what happens when you meet a financial adviser December 13, 2019 What difference does it make that a financial adviser is independent? December 12, 2019 How to choose an investment option for your super pension December 11, 2019 Independent financial advice: Why it’s important and how to find it December 5, 2019 What is a self-managed super fund (SMSF)? December 5, 2019 How to wind up an SMSF December 4, 2019 How to set up an SMSF correctly December 3, 2019 What is the sole purpose test, and how does it work? December 1, 2019 How to grow your super: Know your risk profile December 1, 2019 How accurate are ‘retirement estimates’? 7 assumptions you need to understand November 21, 2019 10 key super fund fees: What are they and why am I paying them? November 20, 2019 Introducing My Aged Care November 14, 2019 Are you getting your slice of the Age Pension Work Bonus? November 13, 2019 Changing pace: Retiring and thriving together November 11, 2019 How to record SMSF minutes November 3, 2019 Commonwealth Seniors Health Card: What it is and how to apply October 15, 2019 How to structure your super if you’re going overseas October 11, 2019 Should I retire overseas? October 3, 2019 Financial coaching: What is it and why may you need it? October 3, 2019 What to teach your kids about super October 3, 2019 Super fees and returns calculator October 2, 2019 Falling behind with your super? How your super balance compares October 2, 2019 How to check if your mum or dad’s nursing home is up to scratch October 1, 2019 Five common financial mistakes people make just before retirement October 1, 2019 Investment indexes: 5 reasons they matter for your super October 1, 2019 How to invest in infrastructure through an SMSF October 1, 2019 Why big super funds diversify and what you can learn from it September 17, 2019 Have you got an exit plan? The importance of estate planning September 4, 2019 Multi-generational SMSFs: Benefits and pitfalls September 1, 2019 Super strategies after losing your spouse: What are the rules? September 1, 2019 5 ways sequencing risk affects your retirement September 1, 2019 Can I return to work after I access my super? September 1, 2019 Need care at home? We look at the costs August 14, 2019 How to plan your spending through the 3 stages of retirement August 10, 2019 How to navigate the different phases of retirement August 9, 2019 Retirement age calculator: When can you access your super or the Age Pension? August 7, 2019 How to read a super fund PDS August 1, 2019 Timing counts if you plan to retire this year and start a super pension July 21, 2019 Retiring overseas: Implications for your super and tax July 21, 2019 Reversionary pensions: What they are and how they work July 21, 2019 Why aged care deserves to be part of your retirement plan July 15, 2019 Retiring soon? Here are 5 questions you need to answer first July 15, 2019 Who gets your super when you die? A guide to death benefit nominations July 12, 2019 Proportioning rule and super tax: What it is and why it matters July 12, 2019 A simple guide to what tax is payable on super death benefits July 12, 2019 What are average super fund fees? July 8, 2019 What makes a financial adviser independent? July 2, 2019 Starting a pension from your super July 1, 2019 How do I apply for the Age Pension? July 1, 2019 Guide to SMSF audits June 14, 2019 Quiz: SMSFs for beginners May 10, 2019 Total Superannuation Balance: When it applies and what is included May 7, 2019 Fund Performance: SMSFs vs APRA super funds May 7, 2019 Quiz: Planning for retirement May 3, 2019 Real DIY super: Ways that SMSFs can be ultra low-cost May 2, 2019 What is the Pension Bonus Scheme? May 1, 2019 Top performing sustainable investment funds April 12, 2019 Don’t wait for a crisis – start planning your aged care now April 7, 2019 What is an anti-detriment payment? April 6, 2019 Can I access my super if I retire overseas? April 5, 2019 SMSFs and capital gains tax (CGT) April 5, 2019 Which asset classes are popular with SMSFs? April 4, 2019 The definitive SMSF guide to franked dividends April 2, 2019 Confused about aged care in the home? These 10 charts explain how it works March 21, 2019 Financial advice: What are the risks and benefits? March 19, 2019 Surely I don’t need a testamentary trust will (TTW)? March 18, 2019 Early release of super through DASP (Departing Australia Superannuation Payment) March 8, 2019 The financial and health benefits of working into retirement February 16, 2019 Adjusting to retirement: 8 factors that can help December 3, 2018 7 steps to help you choose the right home care provider February 27, 2017 Video: Industry experts respond to the Federal Budget 2021 May 12, 2021 2021 Federal Budget overview: Super, tax and aged care announcements May 11, 2021 Guide to the Low and Middle Income Tax Offset (LMITO) May 11, 2021 Personal income tax cuts (2018–2025): What it means for you May 11, 2021 How does the First Home Super Saver (FHSS) Scheme work? May 11, 2021 Case study: How does transfer balance cap indexation affect death benefits from your spouse? May 10, 2021
Employer’s guide to Superannuation Guarantee (SG) contributions: Which employees are eligible? November 13, 2020
Worried about your post-virus finances? 10 tips to help stretch your retirement dollars April 1, 2020
Case study: How does transfer balance cap indexation affect death benefits from your spouse? May 10, 2021
