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.

Retiring early due to ill health? 6 steps to stay on track

Retiring early due to poor health can really have an impact on your retirement plans and finances, so here’s 7 tips on what to consider.
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.
Super fund fees and charges you need to know about

Minimising fees is an important step in maximising the returns you earn from your super, so it pays to know what to look out for.
What are the current work test rules for super contributions?

Even though the work test has been abolished for most super contributions, if you are over age 67 there is still one type of contribution that needs to pass the test.
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.
In your 50s or younger? The super rules that apply to you

When you reach your 50s, it’s time to get serious about your super, so here’s the key super rules for your age group.
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.
Rules for setting up super and choice of fund for new employees

Most employees now have the right to choose their own super fund, but employers still aren’t off the hook when it comes to offering choice of super fund.
Quiz: Employer super responsibilities

Take this 10-question quiz to test your knowledge on the superannuation responsibilities for employers.
How the 15-year small business CGT exemption can help boost your super

Small businessowners approaching retirement can take advantage of some valuable tax concessions when they sell up and then contribute the money into super.
Proportioning rule and super tax: What it is and why it matters

Before withdrawing your super, it’s important to understand the proportioning rule and how it will impact the amount of tax you will pay on your super savings.
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.
How LISTO works (Low Income Superannuation Tax Offset)

The Low Income Super Tax Offset is a government rebate that can help boost your super and make saving for retirement a little easier.
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.
A super guide to the bring-forward rule

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.
How the Division 293 tax works: Super surcharge for high earners

High-income earners pay extra tax on their concessional super contributions, so it’s important to understand the rules.
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.
In your teens? The super rules that apply to you

Your first job can be exciting, but it’s important to remember your weekly pay could come with super contributions, so here’s the rules applying in your teens.