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Home / Archives for Janine Mace

Articles by Janine Mace

Janine has over 25 years’ experience writing about superannuation, including a decade as Managing Editor of the ASFA’s highly respected industry magazine, SuperFunds. She has worked with a range of super funds and leading institutional investment managers.

Her work has appeared in the Australian Financial Review personal finance section and she has been a regular contributor to Money Management and Financial Planning magazines.

Premium Workforce age discrimination and what it means for your super

Workforce age discrimination and what it means for your super

May 12, 2022

If you’re still keen to work, age discrimination can seriously affect your retirement plans. We’re all being encouraged to work longer, but what if you can’t?

PremiumManaging capital gains to reduce tax and boost your super

Managing capital gains to reduce tax and boost your super

May 12, 2022

Capital gains are an investment goal, but they leave you with a tax liability, so it’s worth checking some of the strategies for cutting your CGT bill.

PremiumA super guide to the bring-forward rule

A super guide to the bring-forward rule

May 12, 2022

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.

Premium10 super housekeeping tips for EOFY 2021–22

10 super housekeeping tips for EOFY 2021–22

May 12, 2022

The end of the financial year isn’t far away, so it’s time to get your super contributions and paperwork in order with these 10 top tips.

PremiumSuper recontribution strategy: How it works

Super recontribution strategy: How it works

April 6, 2022

Re-contribution strategies can reduce the tax on your super benefit and may eliminate tax for non-tax dependant beneficiaries like your adult children.

5-step guide to the different types of financial advice on offer

5-step guide to the different types of financial advice on offer

April 4, 2022

If you’re uncertain about your finances it makes sense to get some help, but it can be difficult to don’t know who to turn to for for unconflicted advice.

PremiumHow much super should I have at my age?

How much super should I have at my age?

April 4, 2022

Saving for retirement isn’t a competition, but it’s good to know if you’re falling behind people your own age and if you need to contribute a bit more.

PremiumSuperannuation rule changes from July 2022 (and previous years)

Superannuation rule changes from July 2022 (and previous years)

April 4, 2022

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.

PremiumStrategies for boosting your super in the gig economy

Strategies for boosting your super in the gig economy

April 3, 2022

While working in the gig economy can be more flexible, it can also be a recipe for a much smaller retirement savings pot if you don’t take steps to fix it.

PremiumRetirement cost-of-living: Tips to help improve your budget

Retirement cost-of-living: Tips to help improve your budget

April 3, 2022

Inflation is affecting more and more daily essentials but bank interest rates remain stubbornly low, so it may be time to revisit your retirement income plans.

PremiumWhy super funds diversify and what you can learn from it

Why super funds diversify and what you can learn from it

April 3, 2022

Diversification is one of the key principles behind good investing and there’s a lot you can learn from how successful super funds invest their members’ money.

PremiumProportioning rule and super tax: What it is and why it matters

Proportioning rule and super tax: What it is and why it matters

April 3, 2022

If you withdraw your super before age 60 it’s important to understand the proportioning rule and how it will impact the amount of tax you pay.

PremiumHow the Home Equity Access Scheme works (formerly Pension Loans Scheme)

How the Home Equity Access Scheme works (formerly Pension Loans Scheme)

March 30, 2022

The Home Equity Access Scheme (previously known as the Pension Loans Scheme) facilitates a loan from the government against the equity in your home.

PremiumReverse mortgages: What are they and how do they work?

Reverse mortgages: What are they and how do they work?

March 30, 2022

If you’re finding it difficult to make ends meet in retirement, one way to free up some extra cash could be to take out a reverse mortgage.

PremiumHow the 15-year small business CGT exemption can help boost your super

How the 15-year small business CGT exemption can help boost your super

March 15, 2022

Small businessowners approaching retirement can take advantage of some valuable tax concessions when they sell up and then contribute the money into super.

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