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Superannuation and retirement planning information

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Home / Archives for Janine Mace / Page 3

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.

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Super tips and strategies if you are in your 50s

October 6, 2020 by Janine Mace Leave a Comment

In your 50s you’ve turned the corner and are heading into the final career stretch before retirement. So now’s the time to start paying closer interest to your super and ensuring you are set up to reach your retirement goals.

Super tips and strategies if you are in your 60s or 70s

October 6, 2020 by Janine Mace Leave a Comment

In your 60s and 70s, super is still very important. There are important decisions to make and you need to keep a close eye on how your super investments are performing. Here are some tips on what to keep an eye on.

What to do if your employer doesn’t pay your super

September 18, 2020 by Janine Mace Leave a Comment

Employers are required to make SG contributions into your super account on a regular basis. But what can you do if they don’t pay?

10 points to check on your annual super fund statement

September 2, 2020 by Janine Mace Leave a Comment

Checking your annual super fund statement is important. Here are 10 key points you need to review to ensure your super fund is working hard for you.

What is the Pension Loans Scheme, and how does it work?

September 2, 2020 by Janine Mace 1 Comment

Older Aussies looking to boost their retirement income can take advantage of the government’s Pension Loans Scheme to generate a non taxable fortnightly income stream that helps pay their bills.

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Selecting your super fund: Can I make the choice?

September 2, 2020 by Janine Mace Leave a Comment

Uncertain about whether or not you can choose your own super fund? Check out our simple guide to the current fund choice rules.

Your simple guide to Superannuation Guarantee (SG) contributions

September 1, 2020 by Janine Mace Leave a Comment

The Superannuation Guarantee (SG) contributions made by your employer into your super account are the foundation of a successful retirement. So it’s worth understanding the SG rules and how they work.

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

September 1, 2020 by Janine Mace Leave a Comment

High income earners need to watch they don’t incur an extra 15% tax on their super contributions under the Division 293 rules. Here’s a simple guide to everything you need to know.

What is the maximum super contribution base for 2020/21?

September 1, 2020 by Janine Mace Leave a Comment

While your employer is required to make regular Super Guarantee contributions on your behalf, higher income earners can miss out if they earn above the quarterly maximum super contribution base (MSCB) limit.

Your tax guide to accessing your super under age 60

July 16, 2020 by Janine Mace Leave a Comment

Although you can retire and access your super if you’re under age 60, the tax man is going to want his cut, so ensure you understand the rules before acting.

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Your tax guide to accessing your super over age 60

July 16, 2020 by Janine Mace Leave a Comment

Knowing how much tax you’ll pay when you withdraw your super savings is important and the rules change once you reach age 60.

What super contributions are best for me?

July 8, 2020 by Janine Mace Leave a Comment

Working out the best mix of super contributions to grow your nest egg can be confusing. Here are some simple case studies to help show you the impact for Aussies of different ages, incomes and work situations.

How to make super contributions after you’ve retired

July 8, 2020 by Janine Mace Leave a Comment

Once you’re in retirement, making super contributions gets a lot trickier. But it’s not impossible if you understand the rules and are willing to use different types of contributions.

What to do if you exceed your super contributions caps

July 8, 2020 by Janine Mace Leave a Comment

Exceeding your annual super contributions cap can leave you with a big tax bill. So here’s a simple explainer of the process you’re likely to face.

What is a re-contribution strategy and how can I use it with my super?

July 6, 2020 by Janine Mace Leave a Comment

Re-contribution strategies are all about how to withdraw money from your super account and re-contributing it to save tax. Here’s a simple explanation and 10 points to consider before taking the plunge.

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How super works
Super for beginners
Super rules
Employers guide to super
Super contributions
Super and tax
Accessing super
Super news
Women and super
Super tips and strategies
How-to guides
Super quizzes
Superannuation Q&As
Superannuation glossary
Super funds
Best performing super funds
Super fund rankings
Best performing pension funds
Pension fund rankings
Super fund average returns
Super investing strategies
Comparing super funds
Choosing a super fund
Choosing an investment option
Super fund fees
Insurance and super
Super fund profiles
SMSFs
SMSFs for beginners
SMSF administration
SMSF checklists
SMSF compliance
SMSF investing
SMSF pensions
SMSF strategies
SMSF Q&As
Plan your retirement
Retirement planning for beginners
When should I retire?
How long will I live?
How much super do I need?
Will I get the Age Pension?
How much will I spend in retirement?
Financial advice
Retiring overseas
Preparing for retirement
Retirement planning strategies
Retirement calculators and reckoners
In retirement
Income in retirement
Super lump sums
Super pensions
Age Pension
Working in retirement
Life in retirement
Senior concessions and services
Aged care
Estate planning
Super death benefits
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