Articles by
Janine Mace
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Checklist for employers to master your super responsibilities
Getting the details right when it comes to paying employees’ super can be tricky, so use our 7-point checklist to ensure you meet your super obligations.
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Division 293 super tax explained (including calculator)
High-income earners pay extra tax on their concessional super contributions, so it’s important to understand the rules.
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Commonwealth Seniors Health Card: Eligibility and how to apply
Our updated guide which now features a thorough video explainer, detailing the main benefits, the income thresholds and tips on how to apply.
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Downsizer super contributions: Rules and eligibility
Eligible downsizer contributions can be a great way to boost your super without falling foul of many of the rules affecting other super contributions.
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3 steps to making a complaint about your super fund
When you have an issue with your super fund or its insurer, it’s important to know who to turn to and how to go about it.
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Who to turn to if you have a problem with your financial adviser
The financial advice sector has done a lot in recent years to improve the overall quality of advice, but when things go wrong there is a structured complaints process.
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Superannuation rule changes from July 2025 (and previous years)
Navigating your way around the constant rule changes in the super system is tricky, so here’s our annual list of the modifications you need to know about.
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Employee super contributions for the self-employed and micro businesses
If you’re self-employed it’s easy to forget super, but making contributions for your retirement and into the super account of any staff you have is essential.
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How carry-forward (catch-up) super contributions work
If you haven’t used all your concessional contributions cap in recent years you can play catch-up and get a handy tax concession to sweeten the deal. We explain how.
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Calculating your employees’ SG contributions? The rules to help get it right
Working out the right SG contributions for your employees can be confusing, but if you learn the rules there shouldn’t be any problems with the tax man.
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Quiz: Employer super responsibilities
Take this 10-question quiz to test your knowledge on the superannuation responsibilities for employers.
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Making superannuation contributions: Super for beginners guide
It can be confusing to understand all the different types of super contributions. But it’s worth learning the main types and what each one offers you.
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What to do if you exceed your super contributions caps
Going over your annual limits for super contributions can cause problems and cost you money, so it’s important to know what to do if you have.
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Super Guarantee Charge for employers: What is it and what are my options?
Failing to make your quarterly SG contributions on time and to the right fund will leave you with a Super Guarantee Charge bill, which can be expensive.
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Employer’s guide to Superannuation Guarantee contributions: Which employees are eligible?
Working out which employees are eligible for SG contributions can be tricky. Employers often think they know, but the ATO can have different ideas.
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What is the maximum super contribution base?
High-income earners face a quarterly cap on the amount of income on which their employer must make SG contributions. Here’s the limit for 2024–25.
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Bring-forward rule explained: How to make large super contributions
Using the bring-forward rule is a great way to put a larger contribution into your super account in a single year. Here’s what you need to know about the rules.
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What to do if your employer doesn’t pay your super
Chasing your unpaid super contributions can be difficult but there are things you can do to get the money you’re owed and ensure your super account keeps growing.
