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.

Super housekeeping tips for EOFY

The end of the financial year is a good time to get your super house in order. Check our tips to make the most of your opportunities.
What’s the Carer Payment and am I eligible?

If you care for an ill or disabled person full time, you may be eligible for regular income support payments.
What are the super and Age Pension rules for same-sex couples?

Now that same-sex couples are equal under super and tax laws, it’s important to understand what that means for your retirement savings and Centrelink benefits.
What’s the Carer Allowance and am I eligible?

If you’re retired and caring for an ill or frail partner or family member, the government’s Carer Allowance can provide some useful extra income.
How carry-forward (catch-up) super contributions work

If you haven’t used all your concessional contributions cap in recent years you can use them to play catch-up and get a handy tax concession to sweeten the deal. We explain how.
Estate planning when your child has a disability: What can I do?

Planning financial support for your children after you die is tricky, but a child with disability makes the task even harder. How do you ensure your child is cared for and financially secure?
How long you can expect to live and what it means for your super

While none of us knows exactly how long we will live, you can narrow the possibilities with these life expectancy projections based on Australian numbers.
How sequencing risk affects your retirement

Sequencing risk can ruin even the most carefully planned retirement. Losses and low returns just as you move into retirement mean you will have much less to spend.
Victorian Seniors Card: Benefits, discounts and how to apply

Everyone loves a bargain, but once they turn 60 many Victorians forget to grab one of the best deals on offer – their Victoria Seniors Card.
QLD Seniors Card: Benefits, discounts and how to apply

Everyone loves a bargain, but once they turn 60 many Queenslanders forget to grab one of the best deals on offer – their QLD Seniors Card, Seniors Card+go or Seniors Business Discount Card.
ACT Seniors Card: Benefits, discounts and how to apply

Everyone loves a bargain, but many older people in the ACT forget to grab one of the best deals on offer – the ACT Seniors Card.
Tasmanian Seniors Card: Benefits, discounts and how to apply

Everyone loves a bargain, but once they turn 60 many Tasmanians forget to grab one of the best deals on offer – their Tasmania Seniors Card.
NT Seniors Card: Benefits, discounts and how to apply

Everyone loves a bargain, but once they turn 60 many people in the Northern Territory forget to grab one of the best deals on offer – their NT Seniors Card.
SA Seniors Card: Benefits, discounts and how to apply

Everyone loves a bargain, but once they turn 60 many people in South Australia forget to grab one of the best deals on offer – their SA Seniors Card.
WA Seniors Card: Benefits, discounts and how to apply

Everyone loves a bargain, but many older West Australians forget to grab one of the best deals on offer – their WA Seniors Card.
NSW Seniors Card: Benefits, discounts and how to apply

Everyone loves a bargain, but once they turn 60 many people in NSW forget to grab one of the best deals on offer – their NSW Seniors Card or Seniors Savers Card.
Reversionary pensions: What they are and how they work

If you want your partner to continue receiving your super pension when you die, a reversionary pension can make the process easy for them at what can be a difficult time.
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.