All recent articles Healthy eating in your 70s and beyond Best performing super funds over 10 calendar years (to December 2019) Asset sector performance: Returns over 1 to 15 calendar years (to December 2019) Super fund performance over 27 calendar years (to December 2019) Monthly super fund performance Reckoner: Monthly returns for 5 investment categories Best performing super funds over the last calendar year (to December 2019) Annual super fund performance Reckoner: Annual returns for 5 investment categories Asset Sector Performance Reckoner Don’t die wondering: Apps may soon be able to predict your life expectancy, but do you want to know? The arm’s length rule for SMSFs What on earth is an in-specie transfer? What concession cards are available for Seniors and Pensioners? Super news for January 2020 What retirees need to understand about property insurance How does the First Home Super Saver (FHSS) Scheme work? How investing in infrastructure boosts your super account Which are the largest super funds? How long you can expect to live, and what it means for your super 2019 Year in Review: When risk paid dividends Your SMSF calendar Salary sacrifice and super: How does it work? How to review your super fund How to plan for your retirement 5 new year’s resolutions for your SMSF Beginner’s guide to making super contributions What retirees say they would have done differently Choosing an SMSF service provider Do you know what your super fund is invested in? What are the penalties for SMSF non-compliance? Key superannuation rates and thresholds (2019/2020 year) Guide to SMSF administration, reporting and record-keeping 10 hidden perks that make your super account even better 5-step guide to deciding if it’s time to change your investment option 3 questions to ask when choosing a responsible investment option What are the buy/sell spreads charged by my super fund? How to change your investment option: 6 points to check before you switch Your simple guide to state Seniors Cards: How they can save you money What are lifecycle super funds, and how do they perform? Super fund performance: Monthly returns to November 2019 What are listed and unlisted investments and why does it matter? Making downsizer super contributions: 10 things you need to know Super news for December 2019 5-step guide to the different types of financial advice on offer What is myGov and how do I use it? SMSFs: What advice can your accountant provide? 7-point guide to what happens when you meet a financial adviser Video: What difference does it make that a financial adviser is independent? APRA ‘heatmap’ raises the heat on underperforming super funds How to choose an investment option for your super pension How the 10/30/60 Rule can help achieve your retirement plans Mixed review of financial advice by super funds What are the key differences between SMSFs and public offer funds? Independent financial advice: Why it’s important and how to find it What is a self-managed super fund (SMSF)? How to wind up an SMSF SMSFs: Corporate or individual trustee? How to set up an SMSF correctly What is the sole purpose test, and how does it work? How to grow your super: Know your risk profile What are unit pricing and crediting rates and why do they matter? Who to turn to if you have a problem with your super or financial adviser We’re delaying major life events, and our retirement income system hasn’t caught up Find an Australian independent financial adviser Scott Morrison announces $537 million for aged care in response to royal commission How accurate is your ‘retirement estimate’? 7 assumptions you need to understand Super funds of the year awards: Best super funds for 2019/2020 How much time does it really take to run an SMSF… and what are the real costs? 10 key super fund fees: What are they and why am I paying them? How much can I afford to spend in retirement? Reverse mortgages: What are they and how do they work? Can you be your own accountant for your SMSF? Definitive guide to the $1.6 million transfer balance cap Super funds with the lowest fees for life and TPD insurance Super funds with the lowest fees for income protection insurance Super news for November 2019 Introducing My Aged Care Are you getting your slice of the Age Pension Work Bonus? Changing pace: Retiring and thriving together Innovation in super: Technology used to engage members but retirement income products the next frontier The agony of waiting: Group life insurers are pushing claimants to the brink The aged care royal commission’s 3 areas of immediate action are worthy, but won’t fix a broken system Guide to SMSFs and insurance 3 steps to making a complaint about your super fund How to record SMSF minutes The small business retirement exemption explained 10 ways myGov can help you master your super Best performing pension funds over 5 years (to September 2019) Best performing super funds over 5 years (to September 2019) Super news for October 2019 Commonwealth Seniors Health Card: What it is and how to apply How to structure your super if you’re going overseas Is a bucket strategy the solution for your retirement income plan? How does SAPTO work? (Senior Australians and Pensioners Tax Offset) Superannuation Guarantee rules for employers Should I retire overseas? Financial coaching: What is it and why may you need it? Industry funds top satisfaction awards How to teach your kids about super Super fees and returns calculator Falling behind with your super? How your super balance compares 5 questions about superannuation the government’s new inquiry will need to ask Government retirement incomes inquiry puts superannuation in the frame 7 ways your super fund manages investment risks How to check if your mum or dad’s nursing home is up to scratch Five common financial mistakes people make just before retirement SMSF options: Should you remain invested or wind it up? Investment indexes: 5 reasons they matter for your super Guide to transition to retirement pensions (TTRs or TRISs) What happens to an SMSF in the event of divorce? Guide to tax-deductible superannuation contributions How to invest in infrastructure through an SMSF Super scams: What are they and how do you avoid them? How to maximise your Age Pension What to do if the market tanks and you’re retired, or close to it Case studies: How is the Age Pension assessed? Why big super funds diversify and what you can learn from it Financial advice: We want it, but we don’t trust it Australian Age Pension rates (September 2019 to March 2020) Age Pension calculator: How much could you be eligible for? Am I eligible for the Australian Age Pension? Age Pension income test rules (September 2019 to March 2020) Age Pension assets test rules (September 2019 to March 2020) 10 points to check on your annual super fund statement Super news for September 2019 Is super better or worse than ever? Have you got an exit plan? The importance of estate planning 9 investment risks and how they can affect your super Quiz: Age Pension rules Multi-generational SMSFs: Benefits and pitfalls Super strategies after losing your spouse: What are the rules? The advantages of using MDAs in an SMSF 3 very different types of retirement 5 ways sequencing risk affects your retirement Find out about the new contribution rules that help bump up SMSF balances and reduce tax Can I return to work after I access my super? Super news for August 2019 A short guide to platforms and wraps How ‘guaranteed’ is a rise in the superannuation guarantee? Which Australian super funds accept transfers from Kiwisaver accounts? Need care at home? We look at the costs Taking your super early due to ill health? 7 tips to help The pros and cons of investing your inheritance into super Quiz: Super for beginners Single women and super: How 3 women beat the statistics Getting to know your super fund and what it can do for you How inflation affects your retirement income forecast How to plan your spending through the 3 stages of retirement How to navigate the different phases of retirement Retirement age calculator: When can you access your super or the Age Pension? What you must do to get ready for retirement if you own a business APRA warn on climate change: What does it mean for your super? Risk and returns: Getting the balance right What is the Sharpe ratio and why is it important for your super? Member direct vs SMSFs How do the ipso facto rules apply to SMSFs? Single touch payroll (STP): What are the implications for SMSF trustees? How reliable are retirement income calculators? How to select a retirement income calculator What to do if a member wants to leave an SMSF How to read a super fund PDS How the rich invest Why timing counts if you’re planning to retire this year and start a super pension Retiring overseas: Implications for your super and tax 2018/19 Year in Review Reversionary pensions: What they are and how they work Asset sector performance: Returns over 1 to 15 financial years (to June 2019) Super fund performance over 27 financial years (to June 2019) Best performing super funds over the last financial year (to June 2019) Best performing super funds over 10 financial years (to June 2019) Why aged care deserves to be part of your plan Strategies for making the most of your super in the gig economy Retiring soon? Here are 5 questions you need to answer first Age Pension deeming rates cut, at last Deeming rates for the Age Pension income test How to make your super more socially aware Legal case a lesson in proper SMSF admin and record keeping What happens to your SMSF when you go overseas? Who gets your super when you die? A guide to death benefit nominations Proportioning rule and super tax: What it is and why it matters A simple guide to what tax is payable on super death benefits What are average super fund fees? ‘Pension tax’ deemed unfair Guide to the Low and Middle Income Tax Offset (LMITO) Income tax: Australian tax brackets and rates (2019/2020 and 2018/2019) Guide to the Low Income Tax Offset (LITO) Australian personal income tax cuts from 2018/2019 year Independent Financial Adviser Declaration What makes a financial adviser independent? 2019/2020 guide to non-concessional contributions (after-tax super contributions) Protecting Your Super package: What you need to know Work test: Making super contributions over 65 What is the current Age Pension age? Your tax guide to accessing your super under age 60 2019/2020 guide to concessional contributions (before-tax super contributions) A super guide to understanding the bring-forward rule How do I apply for the Australian Age Pension? Carry-forward contributions: How your unused contribution limits can help you catch up Learn to love LISTO: Low income earners get their super tax refunded How the Division 293 tax works: Super surcharge for high earners How does superannuation affect the Age Pension? What is the Pension Loans Scheme, and how does it work? Over age 60? A simple tax guide to accessing your super benefits What is the maximum super contribution base for 2019/2020? SMSF housekeeping: Trustee checklist for 2019/2020 Gaining from the government: How you can score a co-contribution freebie When should I retire? Our ailing aged care system shows you can’t skimp on nursing care ETFs: How do I use them and what do they cost? Get real: How we delude ourselves about investments The value of clarity: Planning your long term future SMSF investors still subdued about outlook for ASX in 2019 The rules of superannuation: Your guide for 2019/2020 SMSF statistics: 1.1 million members with $747bn in super How much super do you need to set up an SMSF? SMSF compliance: A guide to trustee responsibilities Guide to SMSF audits Making SMSF decisions at different life stages How do ETFs compare to LICs and managed funds? Does the ATO do enough on unpaid super? What should the federal government’s super and retirement planning priorities be? Three retirement income priorities for the returned Morrison Government Franking credits post-election: Where to now? Means test treatment of lifetime annuities from 1 July 2019 8 warning signs that you’re with a bad financial adviser SMSF investment: 20 most popular international shares SMSF investment: 20 most popular Australian shares SMSF investment: 20 most popular ETFs SMSF investment: 20 most popular managed funds Superannuation for the self-employed What government services are available for older Australians? What is the DVA (Department of Veterans’ Affairs) Service Pension? Superannuation funds: Does size really matter? SMSFs and cryptocurrency investments Self-Managed Super Funds (SMSFs) and Reserves SMSFs: Investment property tax deduction mistakes to avoid Risk profiling and your investment choice Will the Coalition keep their Royal Commission promises to you? 2019 Federal Election: Coalition policies on super, tax and retirement Super housekeeping: 10 tips for the end of financial year What are the super and Age Pension rules for same-sex couples? What are defined benefit super funds? Quiz: SMSFs for beginners How much super do I need to retire? Super to income Reckoner Selecting your super fund: Can I make the choice? Income from super Reckoner Australian super funds (APRA regulated, June 2018) What is included in my Total Superannuation Balance, and when does it apply? Fund Performance: SMSFs vs APRA super funds TBAR – Transfer balance account reporting for SMSFs Super’s rulebook: What rules apply to you at different ages? Quiz: Planning for retirement $20 billion per year. That’s how much higher superannuation could take from wages Super tips and strategies for all ages How much super do I need to retire on $60,000 a year? How much super do I need to retire on $80,000 a year? Real DIY super: Ways that SMSFs can be ultra low-cost How much super do I need to retire on $100,000 a year? Is $500,000 in super enough to retire on? Is $750,000 in super enough to retire on? Understanding the dynamics on which your super fund invests Is $1 million in super enough to retire on? Is $1.6 million in super enough to retire on? Is $2 million in super enough to retire on? Women come out on top in the battle of the sexes for super SMSF guide to hedging What is the Pension Bonus Scheme? Quiz: Boosting your super with super contributions Video: How to use the MoneySmart Retirement Planner 2019 Federal Election: ALP policies on super, tax and retirement What super contributions are best for me? Super and pension funds with the lowest fees Top performing sustainable investment funds How to prepare financial statements for an SMSF Auditor and fill in your SMSF tax return What are typical fees and costs for running an SMSF? Retiree home ownership is about to plummet. Soon little more than half will own where they live The magic of compounding interest The Rule of 72, and how it can help you choose an investment ‘Today’s Dollars’: The impact of inflation on retirement income Don’t wait for a crisis – start planning your aged care now SMSFs: How to start a pension New powers announced for APRA and ASIC 2019 ALP Federal Budget reply: Super, tax and related announcements SMSF investment rules: Collectables and personal use assets What are the asset valuation guidelines for SMSFs? What to do if your employer doesn’t pay your super What is an anti-detriment payment? What just happened to our tax? Here’s an explanation you’ll understand Starting a pension from your super SMSFs and property: A Super Guide What are unrestricted and restricted non-preserved super benefits? Can I access my super if I retire overseas? Guide to the Superannuation Standard Choice Form How is superannuation split in a divorce? When can I access my super? All conditions of release explained Self-managed superannuation funds and capital gains tax Retirement cost of living: How much does a comfortable lifestyle cost? Which asset classes are popular with SMSFs? What type of people have SMSFs? What are the different types of super funds? Frydenberg’s budget looks toward zero net debt, but should this be our aim? Tax giveaways in Frydenberg’s ‘back in the black’ budget View from The Hill: Budget tax-upmanship as we head towards polling day New super contributions incentives ignore the bigger issues Budget 2019 boosts aged care and mental health, and modernises Medicare: Health experts respond It’s the budget cash splash that reaches back in time 2019 Federal Budget Economic Outlook: Growth forecasts revised down 2019 Federal Budget overview: Super, tax and related announcements The definitive SMSF guide to franked dividends TPD insurance through super: A definitive guide Income protection insurance through super: A definitive guide Life insurance through super: A definitive guide Older people are more digitally savvy, but aged care providers need to keep up Funding boost for policing finance sector, in budget that warns of economic softening No better than roulette. How foreign exchange trading rips off mum and dad investors Confused about aged care in the home? These 10 charts explain how it works Financial advice: What are the risks and benefits? As home care packages become big business, older people are not getting the personalised support they need Would you like to grow old at home? Why we’re struggling to meet demand for subsidised home care Surely I don’t need a testamentary trust will (TTW)? Never stand between a politician and a big pot of money: How greed is destroying super Super advice: How to find a suitable financial adviser Industry funds overtake retail funds in assets, lead in satisfaction and performance What are the Age Pension residency requirements? What age can I access my super (Preservation Age)? Re-contribution strategy: What is it and how can I use it with my super? What to do if you exceed your super contributions caps How to find low cost (or free) financial advice Accessing super: Ceasing employment after 60 SMSFs: What are the lump sum withdrawal rules? Accessing super: Reaching preservation age and retiring Accessing super: Reaching age 65 Early release of super due to having a balance below $200 Early release of super through the Departing Australia Superannuation Payment (DASP) Put your feet up? Making super contributions after retirement Know the rules: Contributing to super over 65 Insurance inside super: A definitive guide Contribution splitting: How to boost your spouse’s super Retirement planning: How much does financial advice cost? Women and super: How to beat the odds What are the SMSF borrowing rules? Explainer: What is a home care package and who is eligible? Early release of super due to temporary incapacity Early release of super due to permanent incapacity Early release of super due to a terminal medical condition What is MySuper, and which super funds are MySuper funds? Retirement income in Australia: An overview Cognitive biases that can impact your retirement Age Pension: Is it alleviating poverty? The financial and health benefits of working into retirement Gender inequality in retirement income SMSFs: Trust deed health check for 2019 Why financial literacy is vital for a good retirement SMSF investment rules: What every trustee should know Guide to minimum pension payments rules (including calculator) Early release of super due to severe financial hardship How super works: A beginners guide to superannuation What expenses can an SMSF deduct? Words that matter. What’s a franking credit? What’s dividend imputation. And what’s ‘retiree tax’? Estate planning, super and SMSFs: Getting your house in order How to create an SMSF investment strategy (including examples) Retirement planning case study: Couple aged 58 and 60 Retirement planning case study: Couple aged 47 and 48 Retirement planning case study: Single woman, aged 52 Target retirement income: An explanation of the 66-80% rule of thumb Guide to the SMSF trustee declaration Did tax kill the transition to retirement magic pudding? Revamp for super system: Financial Services Royal Commission recommends change Guide to the ATO SMSF supervisory levy Guide to SMSF trust deeds Is it possible to have two SMSFs at the same time? What are the SMSF residency requirements? Banking Royal Commission: no commissions, no exemptions, no fees without permission. Hayne gets the government to do a U-turn Royal Commission: 10 recommendations for financial advice Royal Commission: 9 recommendations for superannuation Early release of super on compassionate grounds Capital gains and super: Using super contributions to reduce your CGT bill What are annuities, and will they work for me? The easy way to find and consolidate your lost super SMSFs: Top 10 alternative investments Labor’s franking credits policy: Options for SMSF trustees How to evaluate whether an SMSF is right for you Super fund fees: Do lower fees mean better net returns? Take the Australian Life Tables with a pinch of salt How to compare super funds in 7 easy steps Super funds: Why we stick with the duds Looking good? New beauty parade for super funds with ‘best in show’ proposal Modernising the super system: Recommendations from the PC report on superannuation Key issues and findings raised by the PC report on superannuation Super’s next shake up? Productivity Commission gets tough What is the retirement age in Australia? Your simple guide to Superannuation Guarantee (SG) contributions Grey nomad lifestyle provides a model for living remotely Adjusting to retirement: 8 factors that can help How do I transfer a UK pension to an Australian super fund? Renters Beware: How the pension and super could leave you behind What is ‘quality’ in aged care? Here’s what studies (and readers) say Super for beginners: How superannuation is taxed Labor’s franking credits policy will significantly reduce income for low and middle earners SMSFs: 3 year audits policy will not benefit trustees and will add to complexity SMSFs: What are the consequences of the 3 yearly audits policy? Is $1 million really the magic number to start an SMSF? What are the Transfer Balance Account Report (TBAR) rules for SMSFs? SMSFs: 3 year audits policy undermines integrity of the system Who are the wealthy retirees targeted in Labor’s plans? Pensioners would retain cash refunds on franked dividends under Labor backdown Labor’s franking credits policy will hurt retirees Age Pension changes costs pensioners now and increases government costs in the long term Retirement income: When is the optimal time to purchase a deferred annuity? What you can expect from the Financial Services Royal Commission Longevity risk: How deferred annuities can help your savings last as long as you do Age Pension changes make retirees with more savings worse off in short-term Age Pension changes are unfair to retirees with savings between $400k and $1m Super reforms are retrospective, and rules should be grandfathered Seven steps to help you choose the right home care provider Some brain training programs are backed by evidence. Here’s how to pick them Grey dawn or the twilight years? Let’s talk about growing old Spiritual care at the end of life can add purpose and help maintain identity It’s your super, so why shouldn’t you be allowed access? Superannuation missing from the IGR’s ageing narrative Hockey looks to elderly for Australian prosperity Putting a real cost on delaying the super guarantee rise Cormann presses “pause” on FoFA changes after public pushback SuperGuide survey results: Why men see super differently to women Richest Australians to take super hit
