Planning to retire at 65? What you need to consider
At 65 retirement is beckoning, but you probably have lots of question you need answered about your super and the assistance available to retirees.
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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.
At 65 retirement is beckoning, but you probably have lots of question you need answered about your super and the assistance available to retirees.
Take this 10-question quiz to test your knowledge on the superannuation responsibilities for employers.
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.
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 2022-23.
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.
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.
High-income earners pay extra tax on their concessional super contributions, so it’s important to understand the rules.
As your Total Super Balance impacts your eligibility to make certain super contributions, it’s vital to monitor it regularly when considering your options.
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.
In the early years of your career, there’s a lot competing for your hard-earned dollars. But your super is important too, so here’s the lowdown.
When you reach your 60s, the rules around making contributions and withdrawals from super start to change, so it’s important to know what’s what.
If you’re still adding to your retirement savings in your 70s, it’s important to know the super rules, as making contributions becomes tougher after age 75.
Working out termination and super payments for a departing employee can be confusing, but be careful not to provide them with financial advice.
Tax deductions are a valuable sweetener for employers when making super contributions for their staff, but which payments can you claim?
As if employers don’t have enough to do, they also need to notify the ATO of any reportable employer super contributions they make for their employees.
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.
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.
All super funds pay the same tax rate, but there are differences in the ability of SMSFs and large super funds to manage their tax liabilities for the benefit of members.
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